Terms and Conditions

Please read these terms carefully before using InsuredByBrittany's services and website.

Last Updated: December 20, 2025

Agreement to Terms

By accessing or using the InsuredByBrittany website and services, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access our website or use our services.

These Terms and Conditions constitute a legally binding agreement between you and InsuredByBrittany regarding your use of our website and insurance services.

Use of Our Services

InsuredByBrittany provides home insurance information, quotes, and policy management services. By using our services, you agree to:

  • Provide accurate and complete information when requesting quotes or applying for coverage
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized use of your account
  • Use our services only for lawful purposes
  • Not interfere with or disrupt the integrity or performance of our services
  • Comply with all applicable local, state, and federal laws

Insurance Policies

InsuredByBrittany acts as an insurance agent connecting customers with insurance carriers. All insurance policies are subject to:

  • Approval by the insurance carrier
  • The specific terms and conditions of the policy issued by the carrier
  • State insurance regulations and requirements
  • Underwriting guidelines and eligibility criteria

Quotes provided through our website are estimates and are not binding until a policy is officially issued by the insurance carrier. Final premiums and coverage terms may differ based on underwriting review.

Payment and Billing

By purchasing an insurance policy through InsuredByBrittany, you agree to:

  • Pay all premiums and fees as specified in your policy documents
  • Authorize automatic payments if you opt for recurring billing
  • Maintain current payment information on file
  • Understand that non-payment may result in policy cancellation

All payment transactions are processed securely through third-party payment processors. We do not store your full credit card information on our servers.

Intellectual Property Rights

The InsuredByBrittany website and its content, including but not limited to text, graphics, logos, images, and software, are the property of InsuredByBrittany or its licensors and are protected by copyright and trademark laws.

You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

User Representations and Warranties

By using our services, you represent and warrant that:

  • You have the legal capacity to enter into these Terms and Conditions
  • You are at least 18 years of age
  • All information you provide is accurate, current, and complete
  • You will maintain the accuracy of such information
  • You have not been previously suspended or removed from our services

Limitation of Liability

To the fullest extent permitted by law, InsuredByBrittany shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services.

Our liability for any claims arising from your use of our services is limited to the amount you paid for the services in question. This limitation applies to all causes of action, whether in contract, tort, or otherwise.

Indemnification

You agree to indemnify, defend, and hold harmless InsuredByBrittany and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:

  • Your use of our services
  • Your violation of these Terms and Conditions
  • Your violation of any third-party rights
  • Any false or misleading information you provide

Dispute Resolution

Any disputes arising from these Terms and Conditions or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

You agree to waive your right to a jury trial and to participate in class action lawsuits. The arbitration shall take place in Georgia, and the decision of the arbitrator shall be final and binding.

Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to:

  • Breach of these Terms and Conditions
  • Providing false or misleading information
  • Engaging in fraudulent activity
  • Non-payment of premiums

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. We will notify you of any changes by posting the new Terms and Conditions on this page and updating the "Last Updated" date.

Your continued use of our services after any modifications indicates your acceptance of the updated Terms and Conditions.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions.

Contact Information

If you have any questions about these Terms and Conditions, please contact us:

  • Email: [email protected]
  • Phone: +1 (478) 666-9321
  • Address: 409 Arrowhead Boulevard, Jonesboro GA 30236