Terms & Conditions

You must be at least 18 years old and a resident of the United States to use our services. By using this site, you represent that you meet these requirements. Some insurance products may have additional eligibility criteria determined by state law and underwriting guidelines.

To access certain features, you may need to create an account. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. Notify us immediately of unauthorized use. We are not liable for any loss from unauthorized access.

Any quotes or estimates provided are for informational purposes only and do not constitute a binding offer. Final premiums, coverage, and terms are determined upon application review and underwriting. Quotes may be based on information you provide and are subject to verification.

If you purchase a policy, you agree to pay all applicable premiums, fees, and taxes. Payments are processed through secure third-party gateways. Recurring billing may apply. You authorize us to store payment methods and charge them according to your selected plan.

You may cancel your policy at any time by contacting us. Refunds, if any, are calculated based on the terms of your specific policy and state regulations. Unearned premiums will be returned as required by law. Some fees may be non-refundable.

Our services are provided "as is" without warranties of any kind. To the fullest extent permitted by law, EraQuotes disclaims all warranties, express or implied. We are not liable for indirect, incidental, or consequential damages arising from your use of our site or services. Some jurisdictions may not allow certain limitations, so they may not apply to you.

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the American Arbitration Association rules. The arbitration shall take place in New York, NY, unless otherwise agreed.