Effective Date: June 18, 2026
By using HomeInsureCalc.com, you agree to these Terms of Use. If you do not agree, please do not use the site.
All calculators, estimates, blog posts, and content on HomeInsureCalc.com are provided for informational and educational purposes only. Nothing on this site constitutes:
Insurance premiums and coverage decisions must be made in consultation with a licensed insurance agent or broker in your state.
We strive to keep our data current, but insurance rates, regulations, and construction costs change frequently. Estimates may not reflect actual premiums from any specific carrier. We make no warranty, express or implied, regarding the accuracy, completeness, or reliability of any information on this site.
HomeInsureCalc and its operators shall not be liable for any damages — direct, indirect, incidental, consequential, or punitive — arising from your use of this site. You use our calculators at your own risk.
Using HomeInsureCalc does not create an agent-client, broker-client, or fiduciary relationship. We are not an insurance agency, broker, or carrier. We do not sell insurance.
All content, code, calculations, and design elements on HomeInsureCalc.com are protected by copyright. You may not reproduce, distribute, or create derivative works without permission. You may use the calculators freely for personal, non-commercial purposes.
Our site links to third-party websites (FEMA, III, state DOI, etc.) for reference. We are not responsible for the content or practices of those sites.
We may update these Terms at any time. Continued use after changes constitutes acceptance. Check this page periodically.
These Terms are governed by the laws of the United States. Any disputes shall be resolved in accordance with applicable federal and state law.
Questions about these Terms? Contact us.