1. Acceptance of Terms
Welcome to Home Insurance Compare, a website operated by Keith Williams Insurance ("we," "us," "our," or "the Company"). By accessing or using our website at homeinsurancecompare.io (the "Site") or by contacting us by phone, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site or our services.
These Terms apply to all visitors, users, and others who access or use the Site, including residents of the State of New York seeking home insurance information or quotes.
2. About Our Services
Home Insurance Compare is an informational and lead-generation website operated by Keith Williams Insurance, a licensed insurance agency in the State of New York. We help connect New York homeowners with home insurance options from various carriers and provide quotes through licensed insurance professionals.
We do not underwrite insurance policies. All policies are issued by licensed insurance carriers, subject to their underwriting guidelines, eligibility requirements, and applicable state laws and regulations administered by the New York State Department of Financial Services (DFS).
3. Eligibility
You must be at least 18 years old and a legal resident of the United States to use our Site or request a quote. By using the Site, you represent and warrant that you meet these requirements and that all information you provide is accurate, current, and complete.
4. TCPA & Communication Consent
📞 Phone & Text Communication Consent
By submitting your phone number through our Site, requesting a quote, or calling our published phone numbers, you expressly consent to receive telephone calls, text messages (SMS/MMS), and pre-recorded or artificial voice messages from Keith Williams Insurance, our affiliates, and our marketing partners at the phone number you provided, including via automatic telephone dialing systems (autodialers).
This consent applies even if your number is on a federal, state, or internal Do Not Call list. You understand that consent is not a condition of purchase and that you may opt out at any time by replying "STOP" to any text message, by asking to be removed during a call, or by emailing us at the address below. Standard message and data rates may apply.
You also consent to receive emails about home insurance quotes, products, and related services. You may unsubscribe at any time by clicking the unsubscribe link in any email.
5. No Insurance Guarantee
Information on the Site, including premium estimates, sample rates, coverage descriptions, and the home insurance calculator, is for informational purposes only and does not constitute an offer of insurance, a binding quote, or a guarantee of coverage. Actual rates and availability are determined by individual carrier underwriting and depend on many factors including but not limited to:
- Property location, age, construction type, and condition
- Claims history and credit-based insurance scoring (where permitted by New York law)
- Coverage limits, deductibles, and endorsements selected
- Carrier-specific underwriting criteria and eligibility
Final rates and policy terms will be provided in writing by the issuing carrier prior to binding coverage.
6. Accuracy of Information
While we strive to provide accurate and current information, we make no representations or warranties about the completeness, accuracy, reliability, or suitability of any information on the Site. Insurance products, rates, regulations, and availability change frequently. Always confirm coverage details with a licensed agent before making decisions.
7. User Responsibilities
You agree to:
- Provide truthful, accurate, and complete information when requesting quotes or contacting us
- Use the Site only for lawful purposes and in accordance with these Terms
- Not engage in any conduct that could damage, disable, overburden, or impair the Site
- Not attempt to gain unauthorized access to any portion of the Site or any related systems
- Not use the Site to transmit any viruses, malware, spam, or harmful content
- Not use any automated means (bots, scrapers, etc.) to access the Site without our written consent
8. Intellectual Property
All content on the Site — including text, graphics, logos, icons, images, and software — is the property of Keith Williams Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, or publicly display any content without our prior written permission.
9. Third-Party Links
The Site may contain links to third-party websites or services that are not owned or controlled by Keith Williams Insurance. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. Your use of such sites is at your own risk and subject to those sites' terms.
10. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR FREE FROM ERRORS.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KEITH WILLIAMS INSURANCE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR USE, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR ANY RELATED SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
12. Indemnification
You agree to indemnify, defend, and hold harmless Keith Williams Insurance and its affiliates from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of another party.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in New York, and you irrevocably consent to the personal jurisdiction and venue of such courts.
14. Changes to These Terms
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last Updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.
15. Termination
We may suspend or terminate your access to the Site at any time, without notice, for any reason, including violation of these Terms. All provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
16. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely matches the intent of the original.
17. Contact Us
If you have questions about these Terms, please contact us:
Keith Williams Insurance
Phone: (866) 856-2439
Website: homeinsurancecompare.io
By using our Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.