Terms and Conditions

These Terms and Conditions constitute a legally binding agreement between you and insuredwithbenny. They apply to all users of our website, including visitors, registered users, and customers who purchase insurance policies through our platform. We reserve the right to modify these terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of our services after such changes constitutes your acceptance of the updated terms.

By using our website, you agree to certain conditions regarding permitted and prohibited uses. You may use our website for lawful purposes only, including obtaining information about home insurance products, requesting quotes, and purchasing insurance policies. You agree not to use the website in any way that violates applicable laws or regulations, provide false or misleading information when requesting quotes or applying for insurance, attempt to gain unauthorized access to our systems or networks, interfere with or disrupt the website's functionality or security, use automated systems or software to extract data from our website without permission, transmit any harmful code, viruses, or malicious software, or impersonate another person or entity. If you create an account on our website, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

insuredwithbenny provides home insurance solutions and related services. Insurance quotes provided on our website are estimates based on the information you provide. Final policy terms and pricing are subject to underwriting approval and may differ from initial quotes. We strive to provide accurate quotes but cannot guarantee that preliminary estimates will match final policy costs. All insurance policies are subject to the specific terms, conditions, and exclusions outlined in your policy documents. You should carefully review all policy documentation before accepting coverage. Your insurance policy contract, not these Terms and Conditions, governs your insurance coverage. Claims must be submitted in accordance with your policy terms. We will make reasonable efforts to process claims promptly, but claim approval and payment timing depend on various factors including investigation requirements and policy terms. Home insurance policies have specific coverage limits, deductibles, and exclusions. Not all risks are covered. It is your responsibility to understand what is and is not covered under your policy.

As a user of our services, you have certain responsibilities. You must provide complete, accurate, and truthful information when requesting quotes, applying for insurance, or filing claims. Providing false or misleading information may result in policy cancellation or claim denial and could constitute insurance fraud. You are responsible for paying all insurance premiums on time. Failure to pay premiums may result in policy cancellation and loss of coverage. We will provide notice before canceling a policy for non-payment as required by law. You are responsible for maintaining your insured property in good condition and taking reasonable steps to prevent losses. Failure to maintain your property may affect coverage. You must promptly notify us of any changes that may affect your insurance coverage, including changes to your property, occupancy, or contact information.

All content on our website, including text, graphics, logos, images, and software, is the property of insuredwithbenny or our licensors and is protected by copyright, trademark, and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not copy, modify, distribute, sell, or lease any part of our website or content without our express written permission. The insuredwithbenny name, logo, and related marks are trademarks of our company. You may not use these trademarks without our prior written consent.

To the fullest extent permitted by law, insuredwithbenny and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services, any loss of profits, revenue, data, or business opportunities, any damages resulting from interruptions or errors in our website or services, or any damages caused by third-party content or actions. We strive to maintain our website's availability but cannot guarantee uninterrupted access. We may temporarily suspend or restrict access for maintenance, updates, or other reasons without prior notice. Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk.

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Iowa, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law. You agree to submit to the personal jurisdiction of the courts located in Iowa for any legal matters that cannot be resolved through arbitration.

We reserve the right to modify or replace these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website unless otherwise stated. Material changes will be communicated through a notice on our website or via email to registered users. We encourage you to review these terms periodically to stay informed of any updates. Your continued use of our services after changes are posted constitutes your acceptance of the revised terms. If you do not agree with the modified terms, you should discontinue using our services.

If you have any questions, concerns, or feedback regarding these Terms and Conditions, please contact us using the information below.