Terms of Service

These Terms of Service (“Terms”) govern your use of vacancyinsurance.com (the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1. What This Site Is (and Is Not)

The Site provides general information and a way to request insurance quotes for vacant property. We connect you with licensed insurance carriers and agents. We are not the insurance carrier and do not issue policies, bind coverage, or guarantee that coverage will be offered. Any policy is issued solely by the applicable carrier, subject to its underwriting, terms, and approval.

2. No Insurance, Legal, or Financial Advice

Content on the Site is for general informational purposes only and is not insurance, legal, tax, or financial advice. Coverage descriptions are summaries; the actual policy documents control. Consult a licensed professional and read the actual policy before relying on any coverage. See our full disclaimer.

3. Quote Requests

When you submit a quote or contact form, you authorize us to share your information with insurance carriers, agents, and partners to process your request, as described in our Privacy Policy. Quotes are estimates, are not offers of insurance, and may change based on underwriting and verification. You agree that the information you provide is accurate and complete, and that you are at least 18 years old and authorized to submit it on behalf of the property.

4. Consent to Be Contacted

By submitting a form you consent to be contacted as described in our Privacy Policy, including by phone, text message (SMS), and email. Consent to automated calls/texts is not a condition of any purchase. You may opt out at any time (reply STOP to texts; contact us to stop calls).

5. Acceptable Use

You agree not to use the Site for any unlawful or fraudulent purpose, submit false or another person's information without authorization, attempt to gain unauthorized access to or disrupt the Site, use bots or scrapers (except standard search indexing), or introduce malware.

6. Intellectual Property

The Site and its content are owned by vacancyinsurance.com or its licensors and are protected by applicable laws. You may not copy, reproduce, or distribute Site content without our written permission, except for your personal, non-commercial use.

7. Third-Party Links and Services

The Site may link to or integrate third-party sites and services (including partner tools such as Ethos). We do not control and are not responsible for their content, products, or practices.

8. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY QUOTE, RATE, OR COVERAGE WILL BE AVAILABLE OR ACCURATE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, vacancyinsurance.com AND ITS OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF THE SITE OR ANY QUOTE, CARRIER, OR PARTNER. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED USD $100.

10. Indemnification

You agree to indemnify and hold harmless vacancyinsurance.com from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your misuse of the Site or violation of these Terms.

11. Governing Law and Disputes

These Terms are governed by the laws of the State of [STATE — to be confirmed by counsel], without regard to conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in [COUNTY, STATE — to be confirmed by counsel].

12. Changes to These Terms

Changes are effective when posted with a new “Last updated” date. Your continued use of the Site means you accept the updated Terms.

13. Contact Us

Questions about these Terms? Email legal@vacancyinsurance.com or use our contact form.