Terms of Use

Home Insurance Depot is a marketing and call-routing service: we publish educational content about homeowners insurance and connect homeowners who want quotes with licensed insurance agents by phone. We are not an insurance company, we do not underwrite or issue policies, we do not process claims, and we are not your agent of record. Any policy you buy is a contract between you and an insurer, arranged through the licensed agent you speak with.

Rates, statistics, home values, and city figures on this site are estimates drawn from published market data. They exist for guidance and comparison, may be inaccurate for any particular property, and are reviewed and updated periodically — not in real time. Nothing on this site is an offer of insurance, a quote, a rate promise, or a statement of your eligibility.

Verify every figure with a licensed agent before making coverage decisions. The number that matters is the one quoted for your address, your roof, and your history — and only an insurer can produce it.

Our guides and data pages are educational. They describe how homeowners insurance generally works, not how your policy works, and they are not insurance, legal, tax, or financial advice. Policy language controls over anything written here; read your own declarations page and ask a licensed professional about your situation.

The questionnaire is a routing tool, not an application or an offer of insurance. Completing it does not produce a quote, and answering it does not bind, alter, or guarantee coverage. Rates and eligibility are determined by the insurer after a licensed agent reviews your property and history.

Phone numbers on this site connect you with licensed insurance agents, and calls are routed through call-tracking numbers so the agent answering has the context of your visit. Calls may be recorded or monitored by the answering agency subject to their own disclosures. Standard carrier rates from your phone plan apply; you are never charged by us for a call.

Joining the newsletter subscribes the email address you provide to occasional email from Home Insurance Depot — typically once or twice a month. You can unsubscribe at any time using the link in any issue, and the Privacy Policy describes exactly what we hold and how to have it deleted.

You may use this site for personal, non-commercial purposes. You may not scrape, bulk-download, or republish its content; misrepresent your identity to the questionnaire or the newsletter; interfere with the site’s operation or its spam protections; or use the site in violation of any law. We may suspend access that breaks these rules.

The content, design, and branding of this site belong to Home Insurance Depot or its licensors. Linking to our pages is welcome; copying them is not. Third-party marks and photography remain the property of their owners.

The site links to third-party sources and websites we do not control and have not reviewed in full. Those links are provided for reference, not endorsement, and your use of any third-party site is at your own risk under that site’s own terms.

The site and its content are provided "as is" and "as available", without warranties of any kind, express or implied — including accuracy, completeness, availability, merchantability, and fitness for a particular purpose. We work to keep the site accurate and online; we do not promise either.

To the maximum extent permitted by law, Home Insurance Depot and its operators are not liable for any indirect, incidental, consequential, special, or punitive damages — including lost profits, lost savings, or coverage decisions made in reliance on the site — arising from your use of, or inability to use, the site. Using the site is free, and our total aggregate liability for any claim relating to it is limited to the greatest extent the law of your jurisdiction allows.

We may revise these terms; the date at the top reflects the current version, and continued use of the site after a change is acceptance of it. Material changes will be reflected here before they take effect.

These terms are governed by the laws of the State of Georgia, USA, without regard to conflict-of-law rules, and any dispute relating to them belongs in the state or federal courts located in Georgia.

Questions about these terms: email quotes@homeinsurancedepot.com. If something here seems to conflict with what the site actually does, tell us — the site is supposed to match its terms, not the other way round.