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Terms & Conditions

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

1. Acceptance of Terms

By accessing or using this website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions and our Privacy Policy. If you do not agree with any portion of these terms, please discontinue use of the site immediately. These terms apply to all visitors, users, and anyone who accesses our services.

2. Nature of Our Service

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

  • We do not provide insurance advice as defined by applicable insurance laws.
  • We do not bind or issue insurance policies ourselves.
  • We connect customers with licensed agents and carriers.
  • Final coverage decisions are made solely by licensed carriers and agents.
  • We receive a referral fee for connecting you with carriers — our service is completely free.

3. No Insurance Advice

No content on this website constitutes professional insurance advice. All content is provided for general informational purposes only and does not represent a recommendation or endorsement of any specific product, carrier, or coverage. Please consult a licensed insurance professional for advice tailored to your circumstances.

4. No Liability for Third-Party Carrier Decisions

Insurance Plans Hub is not responsible or liable for decisions made by third-party carriers regarding acceptance, denial, pricing, or policy terms. Coverage availability, rates, and terms are determined exclusively by licensed carriers using their own underwriting criteria. We make no guarantees regarding the availability, suitability, or pricing of any insurance product.

5. Intellectual Property

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

6. Limitation of Liability

To the fullest extent permitted by law, Insurance Plans Hub shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this site or our services. Our total liability for any claim arising from these terms shall not exceed $100.

7. TCPA Consent

By submitting a form or calling us, you explicitly consent to receive phone calls, emails, and text messages from Insurance Plans Hub and our network of licensed carriers regarding insurance quotes and coverage — even if your number is on a Do Not Call list. Standard message and data rates may apply. This consent is not required to make a purchase, and you may opt out at any time.

8. Governing Law

These Terms & Conditions are governed by and interpreted according to the laws of the State of Florida, without regard to its conflict-of-law principles. Any dispute arising under these terms falls under the exclusive jurisdiction of the courts in Lee County, Florida.

9. Contact

For questions regarding these Terms & Conditions, please contact us at:

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