Effective Date: July 31, 2026
Welcome to the website of Proper Coverage Insurance Group, LLC ("Proper Coverage Insurance Group," "we," "our," or "us"). By accessing or using www.propercoverageins.com (the "Website"), you agree to be bound by these Terms and Conditions. If you do not agree with these Terms, please do not use this Website.
1. Use of the Website
You agree to use this Website only for lawful purposes. You may not:
- Use the Website in any way that violates applicable laws or regulations.
- Attempt to gain unauthorized access to any portion of the Website or its systems.
- Introduce viruses, malware, or other harmful code.
- Interfere with the operation or security of the Website.
- Use the Website in a manner that could damage or impair our services.
We reserve the right to restrict or terminate access to the Website at our discretion.
2. No Insurance Coverage Is Created
The information provided on this Website is for general informational purposes only.
Submitting a quote request, completing a contact form, sending an email, or communicating through this Website does not:
- Bind insurance coverage.
- Modify an existing policy.
- Reinstate coverage.
- Cancel coverage.
- Guarantee the availability of any insurance product.
Insurance coverage is effective only after all underwriting requirements have been satisfied, the application has been accepted by the insurance carrier, and confirmation of coverage has been provided in accordance with applicable laws and carrier guidelines.
3. Quotes and Coverage Information
Insurance quotes displayed or provided through this Website are estimates based on the information submitted.
Actual premiums, coverage, deductibles, eligibility, and policy terms may differ following underwriting review.
Coverage availability varies by state, carrier, underwriting guidelines, and other eligibility requirements.
4. Accuracy of Information
You agree to provide complete, truthful, and accurate information when requesting quotes or communicating with us.
Providing false or incomplete information may affect your eligibility for insurance coverage or result in the denial or cancellation of coverage by an insurance carrier.
5. No Professional or Legal Advice
Information on this Website should not be considered legal, tax, accounting, or financial advice.
Insurance recommendations are based upon the information available at the time of consultation. You should consult the appropriate licensed professional regarding legal, tax, or financial matters.
6. Intellectual Property
All Website content, including but not limited to:
- Logos
- Graphics
- Text
- Images
- Branding
- Designs
- Icons
- Website layout
is owned by or licensed to Proper Coverage Insurance Group, LLC and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, or use Website content without prior written permission.
7. Third-Party Websites
Our Website may contain links to third-party websites or services.
These links are provided solely for your convenience. We do not control, endorse, or assume responsibility for the content, privacy practices, or availability of third-party websites.
8. Electronic Communications
By contacting us through this Website, you consent to receive communications from us by email, telephone, or text message regarding your inquiry, quote request, policy servicing, or other business-related matters.
You may opt out of marketing communications at any time. Transactional or service-related communications may still be sent when necessary.
9. Limitation of Liability
To the fullest extent permitted by law, Proper Coverage Insurance Group, LLC shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising