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Terms and Conditions

Last Updated: October 10, 2026

Welcome to our website. By accessing or using this website, online portal, or digital quote tools, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree, please do not use our online services.

1. No Implied Binding of Insurance Coverage

2. Accuracy of Information and Preliminary Quotes

Any premium quotes or estimates provided through this website are preliminary and non-binding. Final premiums, terms, exclusions, and availability are subject to carrier underwriting approval. You warrant that all information you provide (including driving records, property characteristics, and claim history) is complete and accurate. Providing false data may result in inaccurate quotes, policy cancellation, or denial of claims by the insurance carrier.

3. Iowa Statutory Fraud Warning

Pursuant to Iowa law, any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

4. Website Content and Intellectual Property

All logos, text, graphics, design tools, and content on this website are the property of HSEE LLC or our licensing partners and are protected by copyright and intellectual property laws. You may not copy, reproduce, or distribute website content without our express prior written permission.

5. Limitation of Liability

Our Agency shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, this website or its online quoting tools. This includes, but is not limited to, system delays, inaccuracies in third-party databases, web server downtime, or errors in transmitted text.

6. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the **State of Iowa**, without regard to its conflict of law principles. Any legal action arising from your use of this website must be filed in a court of competent jurisdiction within the State of Iowa.

7. Modifications to Terms

We reserve the right to amend these Terms & Conditions at any time without prior notice. Your continued use of the website following any changes signifies your acceptance of the updated terms.

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