Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the Insurance Coverage Now website and the request-matching service we provide. By using this site or submitting a request, you agree to these Terms.

1. What we are — and what we're not

Insurance Coverage Now is an independent quote-matching platform. We are not an insurance company, agent, broker, or underwriter, and we do not sell, bind, issue, or guarantee any insurance policy. When you submit a request, we pass your information to one or more third-party licensed agents or carrier partners, who may contact you directly about coverage.

2. Eligibility and accuracy

• You must be at least 18 years old to submit a request through this site.
• You agree to provide accurate, current information when requesting a quote or contact.
• Any quotes, rates, or coverage estimates shown or discussed are illustrative only; actual rates, terms, and eligibility are determined solely by the underwriting carrier or licensed agent.

3. Consent to contact

By submitting a request, you consent to be contacted by Insurance Coverage Now and/or participating licensed agents or carriers by phone (including autodialed or prerecorded calls), text message, and email, using the contact information you provide, even if that number is on a do-not-call list. Message and data rates may apply. This consent is not a condition of purchasing any product or service.

4. No guarantee of coverage

Submitting a request does not guarantee that you will receive a quote, be matched with an agent, qualify for coverage, or receive any particular rate. Final approval, pricing, and policy terms are decided entirely by the licensed carrier or agent you work with.

5. Referral compensation

We may receive a referral fee or other compensation from a carrier or agent when a request submitted through our site results in a connection or a completed policy. This does not add any cost to you.

6. Acceptable use

You agree not to use this site to submit false information, to impersonate another person, to attempt to disrupt or interfere with the site's operation, or to use any automated means to access or scrape the site without our permission.

7. Intellectual property

The content, design, and branding on this site belong to Insurance Coverage Now or its licensors and may not be copied, reproduced, or used without permission. Carrier names and logos referenced on this site belong to their respective owners and are used for identification purposes only; their appearance does not imply endorsement or a direct business relationship unless stated otherwise.

8. Third-party links and partners

This site may link to, or connect you with, third-party agents, carriers, or websites that we do not control. We are not responsible for the content, practices, or products of those third parties.

9. Disclaimers and limitation of liability

This site and the matching service are provided "as is" without warranties of any kind, express or implied. To the fullest extent permitted by law, Insurance Coverage Now is not liable for any indirect, incidental, or consequential damages arising from your use of the site or from any interaction with an agent or carrier we referred you to.

10. Changes to these Terms

We may update these Terms from time to time. Continued use of the site after changes are posted means you accept the revised Terms.

11. Governing law

These Terms are governed by the laws of the State of Alaska, without regard to conflict-of-law principles, except where a different law is required by your state of residence.