804Insurance

Terms of Service

Last Updated: May 12, 2026

1. Acceptance of the Terms of Service

These terms of service are entered into by and between You and 804Insurance ("Company", "we", or "us"). The following terms and conditions govern your access to and use of 804insurance.com, including any content, functionality, and services offered on or through 804insurance.com (the "Website").

Please read the Terms of Service carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Service and our Privacy Policy, incorporated herein by reference.

2. Our Services

804Insurance is an online marketplace that connects consumers with insurance carriers and agents. We do not issue insurance contracts or bind coverage ourselves. We are not an insurance company. Any insurance product you purchase will be issued by a third-party insurance carrier.

The quotes provided by our Website are estimates based on the information you provide and the rate profiles supplied by our partners. They are not guaranteed rates and do not constitute a contract for insurance. Final rates may differ.

3. TCPA Consent

By submitting your contact information on our Website, you are providing your express written consent to be contacted by 804Insurance and our insurance partners via phone calls, SMS/text messages, and emails at the phone number and email address you provided. These communications may be generated using an automated dialing system or pre-recorded messages. You understand that your consent is not required as a condition of purchasing any goods or services.

4. User Responsibilities

By using the Website, you represent and warrant that:

  • All information you submit is truthful, accurate, and complete.
  • You will maintain the accuracy of such information.
  • You are 18 years of age or older.
  • Your use of the Website does not violate any applicable law or regulation.

5. Disclaimer of Warranties

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

6. Limitation on Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE.

7. Contact Information

For questions regarding these Terms of Service, please contact us at terms@804insurance.com.