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Terms of use

Last updated: November 7, 2026

These terms apply when you use this site, run by [Agency legal name] ("we", "us"), doing business as HomeGuard. By using the site or sending the quote form, you agree to them. Read our Privacy policy too.

Who we are

We are an independent insurance agency in Florida. Our licensed agents sell mortgage protection. This is term life insurance sized to a mortgage, sometimes with optional living-benefit riders.

• We are not your lender or mortgage servicer.
• We are not a government program, and we are not connected to one.
• Coverage does not change your loan terms. You still owe your mortgage payments.

Quotes and coverage

• Quotes are estimates. They are not an offer of coverage.
• All coverage is subject to underwriting and approval by the insurance carrier.
• Final price, benefits and terms are set by the carrier and shown in the policy.
• You have no obligation to buy.
• Read the policy carefully. Ask the agent about limits, exclusions and any waiting periods.

Consent to be contacted

When you check the consent box on our form, you agree that HomeGuard and its licensed agents may call and text you about insurance at the number you gave. This can include autodialed calls and texts, prerecorded voice and AI voice. Consent is not a condition of buying anything. You can withdraw it at any time.

SMS terms

• We send a confirmation text right after you submit the form. We may also text and call you about your quote.
• Message frequency varies.
• Message and data rates may apply.
• Reply STOP to cancel. Reply HELP for help, or call (800) 555-0123.
• Carriers are not liable for delayed or undelivered messages.
• We do not sell, rent or share your mobile phone number or SMS consent with third parties or affiliates for their marketing purposes.

Using the site

Give true and complete answers. Do not use the site for anything unlawful. Do not try to break, scrape or overload it. You must be 18 or older and live in the United States.

Site provided as is

We provide the site "as is" and "as available". We make no promise that it will always work, be error free, or be up to date. The site gives general information. It is not legal, tax or financial advice.

Limitation of liability

To the fullest extent the law allows, we are not liable for indirect, incidental, special or consequential damages from your use of the site. Our total liability for any claim about the site is limited to $100. This does not limit liability that the law does not allow us to limit. It does not change the carrier's duties under any policy you buy.

Governing law

Florida law governs these terms, without regard to conflict of law rules. Any dispute will be brought in the state or federal courts located in [County], Florida, and you agree to those courts.

Changes

We may change these terms. We will post the new version here with a new date. If you keep using the site after that, you accept the change.

Contact us

[Agency legal name]
[Address]
Email: privacy@example.com
Phone: (800) 555-0123