Terms of Use

Last updated: April 15, 2026

Acceptance of Terms

By accessing and using hqinsuranceguide.com ("the Site"), you accept and agree to be bound by these terms. If you do not agree, please do not use the Site.

Nature of Content

The information on this Site is provided for general informational and educational purposes only. It is not insurance advice, financial advice, or a substitute for consultation with a licensed insurance agent or financial advisor.

Insurance products, rates, regulations, and availability vary by state and individual circumstances. The content on this Site may not reflect the most current laws, regulations, or rate changes in your state. Always verify information with a licensed professional before making insurance decisions.

No Insurance Sales or Solicitation

InsuranceGuide does not sell, solicit, or negotiate insurance policies. We are not a licensed insurance agency, broker, or carrier. We do not receive commissions from insurance sales.

Calculator and Tool Disclaimers

Interactive tools on this Site (such as our coverage calculator) provide estimates based on general formulas and user-provided inputs. Results are approximate and should not be used as the sole basis for purchasing insurance coverage. Actual premiums and coverage needs depend on factors these tools do not account for, including your health history, specific policy terms, and underwriting criteria.

Accuracy and Completeness

We strive to keep information accurate and up to date, but we make no warranties or representations about the completeness, accuracy, reliability, or suitability of any content. Your use of any information on this Site is at your own risk.

Third-Party Links

The Site may contain links to third-party websites. We do not control or endorse these sites and are not responsible for their content, privacy practices, or availability.

Intellectual Property

All original content on this Site, including text, graphics, tools, and design, is the property of InsuranceGuide and is protected by applicable copyright laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

Limitation of Liability

To the fullest extent permitted by law, InsuranceGuide and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on any information provided.

Changes to Terms

We reserve the right to modify these terms at any time. Changes take effect immediately upon posting. Continued use of the Site after changes constitutes acceptance of the revised terms.

Contact

Questions about these terms? Contact us at editor@hqinsuranceguide.com.