Terms of Service

Last updated: August 2026

These Terms of Service ("Terms") govern your use of FamInsurances.com (the "Website") and our phone-based consultation service (the "Service"). By accessing the Website or calling the phone number displayed on it, you agree to these Terms. If you do not agree, please do not use the Website or the Service.

1. Nature of the Service

Our Service consists of telephone consultations in which a representative may discuss general auto and home insurance topics with you. Any insurance products discussed are offered, priced, and administered solely by the relevant insurance providers, subject to their own terms, conditions, exclusions, and state availability.

2. Eligibility

The Website and Service are intended for individuals who are at least 18 years old and residents of the United States. By using the Service, you represent that you meet these requirements.

3. No Professional Advice

All content on this Website and all information shared during phone consultations is provided for general informational purposes only. Nothing on the Website or discussed by phone constitutes insurance, financial, legal, or tax advice, and nothing should be treated as a recommendation to purchase, keep, or cancel any specific insurance product. Always review official policy documents and consult appropriately licensed professionals before making insurance decisions.

4. No Guarantees

• We do not provide binding quotes and do not guarantee any specific rates, premiums, discounts, or savings.
• We do not guarantee that any particular insurance product will be available to you, as availability varies by state and by provider.
• We do not guarantee any particular outcome from a consultation call.

5. Telephone Communications

By calling (888) 602-0596, you consent to speak with our consultation team. Calls may be recorded or monitored for quality and compliance purposes. Standard carrier charges from your phone provider may apply depending on your plan. Calling does not obligate you to purchase any product or service.

6. Acceptable Use

You agree not to use the Website or Service for any unlawful purpose, not to interfere with the Website's operation or security, not to misrepresent your identity, and not to attempt to copy, scrape, or reverse engineer the Website or its content.

7. Intellectual Property

All content on this Website, including text, graphics, logos, and design elements, is owned by or licensed to FamInsurances.com and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without prior written permission.

8. Disclaimer of Warranties

The Website and Service are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, FamInsurances.com and its owners, operators, and personnel shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or related to your use of the Website or Service. In no event shall our total aggregate liability exceed one hundred U.S. dollars ($100).

10. Indemnification

You agree to indemnify and hold harmless FamInsurances.com and its owners, operators, and personnel from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Website or Service or your violation of these Terms.

11. Third-Party Products and Providers

Any insurance products referenced or discussed are provided by third-party insurance providers. We are not responsible for the acts, omissions, products, pricing, or policies of any third party. Your relationship with any insurance provider is governed solely by that provider's own terms and policy documents.

12. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised "Last updated" date. Continued use of the Website or Service after changes means you accept the updated Terms.

13. Governing Law

These Terms are governed by the laws of the United States and the applicable state, without regard to conflict-of-law principles.

14. Contact

For any questions about these Terms, contact us by phone at (888) 602-0596. Phone is our only point of contact.