Last updated: January 15, 2026
These terms govern your use of Insurance Coverage Packages and of any quote comparison or referral service reached through this site. By browsing, calling, or submitting a request, you accept them.
If you do not accept these terms, stop here and do not use the site. Nothing on this site obligates you to do anything you do not want to do.
You must be at least eighteen years old and able to enter a binding agreement. If you are using the site for an organization, you confirm that you have authority to act on that organization's behalf.
We run a comparison and introduction service. In practice that means we:
Important: we are not a carrier. We do not underwrite risk, issue policies, or collect premiums. We are the bridge between a consumer who wants options and a licensed party that can write the policy.
We work hard to keep information accurate, but we cannot promise that you will qualify for a given policy, limit, or rate. Eligibility and pricing are decided by the carrier using its own underwriting criteria. Anything you see here is an indication, not a quote, and a final figure may differ based on location, claims history, credit information where the law allows it, and other factors the carrier evaluates.
By using this site you agree to:
The text, layout, graphics, code, images, and design on this site belong to Insurance Coverage Packages or to parties that licensed them, and are protected by copyright, trademark, and related law.
You may view the site and use it for personal, non-commercial purposes. Copying, redistributing, modifying, publishing, or creating derivative material from it requires our written consent first.
Links to carrier and partner sites lead somewhere we do not control. We neither endorse nor take responsibility for their content, policies, or practices. Any exchange you have with them happens directly between you and them, so read their terms before you rely on them.
THIS SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ACCURATE AT ALL TIMES, OR FREE OF DEFECTS OR HARMFUL COMPONENTS.
TO THE FULLEST EXTENT ALLOWED BY LAW, Insurance Coverage Packages AND ITS OWNERS, OFFICERS, DIRECTORS, STAFF, AND AGENTS ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE, EVEN IF WE WERE TOLD SUCH DAMAGES WERE POSSIBLE.
OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THESE TERMS OR YOUR USE OF THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100).
You agree to defend and hold Insurance Coverage Packages, its officers, directors, staff, agents, and licensors harmless against claims, losses, and costs, including reasonable legal fees, arising from your use of the site, your breach of these terms, your violation of someone else's rights, or information you submit through the site.
By giving us your contact information, you agree to receive calls (including automated or prerecorded), text messages, and email from us and from the licensed partners in our network, at the details you supplied. This permission is not a condition of any purchase, standard message and data rates may apply to texts, and you may withdraw it at any time by telling us.
We may suspend or end your access at any time, with or without notice, if you break these terms, act fraudulently, or use the site in a way that harms it or other visitors. When access ends, your right to use the site ends with it.
These terms, and any dispute arising from them or from the site, are governed by the laws of the State of Colorado, without regard to conflict-of-law principles.
If something goes wrong, write to us first at [email protected]. Most problems are settled that way quickly.
If a dispute survives that step, it must be brought in a state or federal court sitting in Colorado, and you consent to the exclusive jurisdiction and venue of those courts.
We may revise these terms whenever our practices or the law require it. Revisions appear on this page with a new date at the top. Using the site after a revision is posted means you accept the revised terms, and we encourage you to read this page again from time to time.
If a court decides one provision is unenforceable, the rest of these terms stays in force. The offending provision is read as narrowly as needed to make it valid.
These terms, our privacy policy, and any other notice published on this site are the entire agreement between you and Insurance Coverage Packages regarding your use of the site. They replace earlier conversations, proposals, and understandings on the same subject.
Questions about these terms go to:
Insurance Coverage Packages
Email: [email protected]
Phone: +1 234 567 8900
Office: 1450 Market Street, Denver, CO 80202