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Terms & Conditions

Last Updated: January 1, 2026 · Governing Law: Florida

1. Acceptance of Terms

By visiting or using this website, you confirm that you have read, understood, and agreed to these Terms & Conditions and our Privacy Policy. If you do not agree with any part of these terms, discontinue use of the website. These terms apply to every visitor, user, and person who accesses or uses our services.

2. Nature of Our Service

Insurance Plans Hub is an independent insurance quote comparison platform and authorized retailer. We are not an insurance company, insurance agency, or insurance underwriter. Specifically:

  • We do not provide insurance advice as defined by applicable insurance laws.
  • We do not bind coverage or issue insurance policies directly.
  • We connect consumers with licensed insurance agents and carriers.
  • Licensed insurance carriers and agents make all coverage decisions.
  • We receive a referral commission for connecting consumers with carriers—our service is free to you.

3. No Insurance Advice

Nothing on this website is professional insurance advice. All material is provided for general informational purposes only and is not a recommendation or endorsement of a particular insurance product, carrier, or coverage type. Consult a licensed insurance professional for guidance tailored to your circumstances.

4. No Responsibility for Third-Party Carrier Decisions

Insurance Plans Hub is not responsible for decisions made by third-party insurance carriers concerning acceptance, denial, pricing, or policy terms. Coverage availability, rates, and terms are determined solely by licensed carriers under their underwriting standards. We do not guarantee the availability, suitability, or price of any insurance product.

5. Intellectual Property

This website and its original content, features, and functionality are owned by Insurance Plans Hub and protected by applicable intellectual property laws. Third-party trademarks referenced here, including Bristol West®, remain the property of their respective owners. Their appearance does not indicate affiliation or endorsement.

6. Limitation of Liability

To the fullest extent allowed by law, Insurance Plans Hub is not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. Our total liability for any claim under these terms is limited to $100.

7. TCPA Consent

By submitting a form or calling our number, you expressly agree to receive phone calls, emails, and text messages from Insurance Plans Hub and our network of licensed insurance carriers about insurance quotes and coverage options, even if your number is on a Do Not Call list. Standard message and data rates may apply. This consent is not required to purchase a policy, and you may withdraw it at any time.

8. Governing Law

These Terms & Conditions are governed by and interpreted under the laws of the State of Florida, without regard to conflict-of-law rules. Disputes arising from these terms are subject to the exclusive jurisdiction of the courts in Lee County, Florida.

9. Contact

For questions about these Terms & Conditions, contact us:

Insurance Plans Hub
1047 Brea Mall #1047 Brea California, United States
Email: info@insurancecoverageplans
Phone: +1 855 754 2734
Hours: Mon–Fri, 8AM–8PM EST