Terms & Conditions

Agreement to Terms

By using our website, submitting insurance applications, or engaging with our services, you agree to comply with and be bound by these terms. If you disagree with any portion of these conditions, you must discontinue use of our platform immediately.

These terms apply to all visitors, users, and customers who access or interact with Eggert Agency services, whether through our website, telephone, email, or other communication channels.

Insurance Services and Policies

Eggert Agency provides home insurance brokerage services, connecting clients with licensed underwriters who assume policy risk. Our role includes:

• Assessing insurance needs and recommending appropriate coverage options
• Submitting applications to partner insurance carriers
• Facilitating policy issuance and documentation delivery
• Providing ongoing policy servicing and claims support
• Processing policy changes, renewals, and cancellations

All insurance policies are subject to the terms, conditions, exclusions, and limitations specified in the policy documents issued by the underwriting carrier. Eggert Agency does not guarantee policy approval or coverage availability.

Accuracy of Information

You are responsible for providing accurate, complete, and truthful information during the application process and throughout the policy period. This includes but is not limited to:

• Property details including address, construction type, age, and square footage
• Prior insurance claims history
• Occupancy status and property usage
• Safety features and security systems installed
• Financial information required for underwriting

Misrepresentation, concealment, or provision of false information may result in policy rescission, claim denial, or other legal consequences as permitted by applicable law.

Payment Terms

Insurance premiums are due according to the payment schedule outlined in your policy documents. Payment obligations include:

• Initial premium payment required before policy activation
• Subsequent payments due on specified renewal dates
• Administrative fees for payment processing
• Late payment penalties as disclosed in policy terms

Failure to remit payment by the due date may result in coverage suspension or policy cancellation. You remain responsible for premiums covering the period during which coverage was in effect, regardless of cancellation.

Cancellation and Refunds

You may cancel your insurance policy at any time by providing written notice. Cancellation procedures and potential refunds depend on your policy terms and applicable state regulations:

• Cancellation requests must be submitted in writing via email or postal mail
• Effective cancellation date may differ from request date based on carrier requirements
• Refunds are calculated on a pro-rata or short-rate basis as specified in policy documents
• Administrative fees may be deducted from refund amounts

The insurance carrier reserves the right to cancel policies for non-payment, material misrepresentation, or changes in risk that render the property uninsurable under the policy terms.

Limitation of Liability

Eggert Agency acts as an intermediary between clients and insurance carriers. Our liability is limited as follows:

• We are not responsible for coverage gaps, exclusions, or limitations contained in carrier-issued policies
• We do not guarantee claim approval or settlement amounts
• We are not liable for carrier insolvency or failure to pay claims
• Our liability for errors or omissions is limited to the amount of commission received on the affected policy

Nothing in these terms excludes or limits liability for fraud, willful misconduct, or matters that cannot be legally excluded under applicable law.

Changes to Terms

Eggert Agency reserves the right to modify these Terms and Conditions at any time. Changes become effective immediately upon posting to this page with an updated revision date. Your continued use of our services after modifications constitutes acceptance of the updated terms.

For material changes affecting existing policies, we will provide notice via email to the address associated with your account at least thirty days before the effective date.