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\n \n \n
\nWhere we do business
\nNsureHub currently operates in Florida, Texas, and Louisiana. Homeowner's Quotes are available online for\n Florida, Texas, and Louisiana.
\nWe never know what card we are going to be dealt next in life, do we?
\n\nFrom our home and automobiles to our business, all are at risk in an uncertain, ever-changing world.
\n\nThis is where the right insurance can help you safeguard your present and future, empowering you to realize your\n dreams.
\n\n NsureHub currently operates in Florida, Texas, and Louisiana. Homeowner's Quotes are available online for\n Florida, Texas, and Louisiana.
\nYears of
Experience
Average Savings
for our clients
Rating
\nInsurance
Policies Bound
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\n \n NsureHub is a team of insurance and technology geeks that want to fix the entire insurance industry - starting\n with the time-consuming and confusing sales process.
\n\nLeveraging cutting-edge technology and upholding the trust our customers place in us, we cater to all our\n customers’\n insurance needs so they can buy the insurance they want quickly, easily, and confidently in a one-step hassle-free\n process.
\n\nOur wide range of insurance product offerings, impeccable service, enhanced capabilities, direct-to- consumer\n platform partnerships, experienced team, and simple and easy process make us the go-to choice of all.
\nTo offer an innovative, transparent, and hassle- free way for customers to buy their home insurance with\n confidence.
\nBecome the #1 easy and affordable home insurance provider, helping people live a happy and healthy life – on\n their own terms.
\nSafePoint is proud to be rated favorably by leading independent rating organizations. These companies specialize in\n reviewing, analyzing and attesting to insure companies’ financial security and their ability to deliver on promises\n made to policyholders.
\nDemotech has assigned the rating of A Exceptional to SafePoint
\nThis Financial stability rating is an indication of an insurance company’s financial strength.
\nAccording to Demotech, an A rating means Safepoint has an Exceptional ability to maintain liquidity of invested\n assets, quality reinsurance, acceptable financial leverage and realistic pricing while simultaneously establishing\n loss and loss adjustment expense reserves at reasonable levels.
\nFor details, Visit Demotech on-line here.\n
\n\nNsureHub Innovates Again and is Leading the Charge in Digital.....
\n \nNsureHub Offers Innovative, Transparent And Hassle-Free Way.....
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\n \n AD&D Accidental Death\n
\n
\n NsureHub's Basic Accidental Death & Dismemberment insurance coverage can help individuals and family members\n maintain their lifestyles in the event an insured person is involved in a covered accident.\n
\n For every NsureHub policy you purchase every customers under the age of 65, will get a $10,000 of Basic AD&D\n coverage at no cost to you, and all NsureHub customers that buy a policy from us.\n
\nThe accidents and injuries on your AD&D coverage can pay depending on your policy, accidental dismemberment might\n include not only the loss of a limb but also serious accidental trauma that prevents you from working.\n
\nBoth AD&D and ADB life insurance policies only pay out in the case of accidents. The main difference is that an\n ADB policy may only pay out for a fatal accident, while AD&D policies can also pay out for accidental\n dismemberment and certain accidental injuries. Insurers might only offer one or the other, or both.\n
\nAD&D insurance will cover only deaths and injuries from accidents—not natural causes or illnesses. Not heart\n attacks or strokes. Policies typically cover death or injuries from accidents at work, home and while traveling.\n
\nIn addition, if your death is the result of an accident while traveling on public transportation, including a\n bus, train or airplane, the payout can be double or triple the amount of your base coverage. To be covered, a\n death from an accident doesn’t have to be instant, but it usually needs to occur within a certain time frame,\n such as within a few months. The policy will outline the rules.\n
\n\nSome insurers will pay an additional benefit if you were wearing a seatbelt during an accident that led to an\n injury or death. Additional benefits might also be provided to help children pay for higher education.\n Counseling, legal and financial advising services for beneficiaries can be added benefits for a surviving\n spouse, too. These options will vary by insurer.\n
\nWhat is considered an “accident” by insurance companies isn’t as straightforward as it might seem.\n “The definition of accident could be subjective,” says Jon Voegele, agency vice president of Country Financial.\n Policies tend to have a long list of situations when death or injury won’t be covered. Those exclusions can vary\n from company to company and can depend on the state where the policy is issued.\n
\nWith NsureHub, you can get a car insurance quote in as little as four minutes from a top-rated company. That's\n all it takes to get the customized protection you need at a price that works for you. Get an auto insurance quote\n today and discover how we help you save and give you peace of mind\n
\nSnapshots: Safe driver discount.
\nAverage savings: $146 Read the associated for this Snapshot claim.
\nOur Sanpshot programme personalizes your rate based on your actual driving.\n The safer you drive, the more you can save. See more on Snapshot, or sign up for Snapshot Road Test to see what\n you could save without leaving your current insure.\n
\n\nAverage savings vary Read the associated disclosure for this claim.
\nAdding a teen driver to your policy can increase the price - offset the cost a bit with our teen driver\n discount (driver must be 18 years or under). Learn more about car insurance for teens.\n
\n\nAverage savings: 10% Read the associated disclosere for this cliam.
\nA smart student makes you a smart shopper. Add a full-time student on your policy who maintains a \"B\" average\n or better, and we'll add a car insurance discount.\n
\nAverage savings vary Read the associated disclosure for the claim.
\nIf you have a full-time students on your policy who is 22 years of age or younger and lives more then 100 miles\n from your home, you'll receive a discount - as long as the students doesn;t have a vehicle while at school.\n
\nAverage savings: nearly 10% Read the associated disclosere for this cliam.
\nYou'll get another discount simply for being a homeowner, even if your home isn't\n insured through our network of home insurers.\n
\nUnder this coverage, pays up to 25% above the value of tour car if it's totaled. to cover a loan or lease\n balance.You must purchase both comprehensive and collision coverage to buy gap insurance froim Progressive.\n
\nPays to fix or replace custom accessories you add to your car, up to $5000.\n
\nIncluded if you buy collision coverage. It pays veterinarian bills if your pet is injured in a car accident.\n
\nIf you have comprehensive and collision coverage, you can opt in to this program that reduces your\n deductibles\n by $50 every six months you're claim-free, all the way down to $0.\n
\nWith safe driving = extra saving. If you've had no tickets or accidents in the past three years, your policy\n price could average 31% less then customers who have accidents or violations.\n
\nSmall Accident Forgivness: Starting with your first policy term, we won't raise your rate on the claim less\n then $500.
\nIf you've been a customer for at least five years, remained accident and violation-free for up to five years,\n your rate won't increase if you have an accident
\nRead the associated disclosure for this claim. You can purchase additional accident forgivness benefits. When\n you buy Accident Forgivness, you may be eligible to have one accident forgivness per policy period, in addition\n to any accidents that qualify for Samll and Large Accident Forgivness.\n
\nFind & compare your best rates in 2 minutes
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\n Learn tips, tricks and get independent agent advice for at home, on the road and everything in between.
\nThis blog contains information on topics related to personal insurance to help you understand your insurance needs.\n
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\n Have questions or need to speak about other products? We make it super easy.
\nFor help with a quote, policy, service, or anything else, give us a call or chat with us during hours of\n operation or leave your info in our chat,\n and we'll be in touch.
\nHours of operation
\nMonday - Friday: 9am-6pm
\nIn most states, insurers use what’s known as a credit-based insurance score to help determine home insurance\n rates.\n
\n![\"NsureHub\"](\"../../assets/images/credit/image.png\")
\n For people with poor credit, buying a house can be challenging — and expensive. Once you find a lender that’s\n willing to offer you a mortgage, you’ll probably have a higher interest rate than someone with good credit. And\n you could also pay significantly more for homeowners insurance.\n
\nEach insurer has its own definitions of “good” and “poor” credit, but they’re generally in line with traditional\n credit score ranges. A good credit score typically falls between 690 and 719, while below 630 is considered a bad\n score.\n
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\n \n Yes, certain parts of your credit score do affect homeowners insurance rates. The credit check that your insurance\n company runs is less extensive and Prices less into your financial background than a normal credit check.\n What the insurance company looks at is your insurance score, or your credit-based insurance score. Your credit-based\n insurance score is a calculation of some (but not all) of the factors in your credit history. Insurers factor this\n in when calculating your rates because research has shown that there’s a correlation between certain credit\n characteristics and insurance losses.\n
\nIf you have good financials and a good credit score, that means you’re staying on top of your mortgage payments\n and maintaining the property — making necessary house repairs and providing upkeep when need be.\n A bad storm will probably pose less of a risk to a home that’s well taken care of and structurally sound than one\n that isn’t. And you’re also less likely to fall behind on premium payments. In the insurer’s eyes, all of these\n factors are interconnected.\n On the flip side, homeowners with a poor credit-based insurance score are more likely to have outstanding debt and\n are viewed as more likely to depend on an insurance payout in the event that something bad happens.\n
\nIt’s possible to get homeowners insurance with bad credit, but be prepared to pay higher rates than average.\n Depending on what state you live in, insurance companies may be permitted to use credit-based insurance scores as\n a factor in denying or canceling your policy, but it can’t be the sole reason.\n But if you have poor credit on top of other factors insurers consider to be “high risk” — like say you own an\n older home or you have a history of filing frequent claims — having a bad insurance score in addition to all of\n that could make it hard to get homeowners insurance on the private market. That’s where your state’s Fair Access\n to Insurance Requirements (FAIR) Plan comes in.\n
\nWhile a FICO credit score helps lenders gauge how likely you are to pay back a loan or a line of credit, a\n credit-based insurance score measures the likelihood of you filing an insurance claim. Most insurance companies\n will check your credit-based insurance score when you apply for coverage or renew your policy. There are several\n different companies that provide insurers with insurance scores, and each company calculates that number a little\n differently.\n
\nOur credit score and insurance score are different, but the ways to improve them are similar. To improve your\n credit-based insurance score, here are a few tips:\n
\nNo one wants to pay more for insurance than they have to. Make sure you’re taking advantage of opportunities to\n save on your coverage.\n
\nBecause mortgage lenders require homeowners insurance, most people tend to take out a policy with whichever\n company their real estate agent recommends. However, the best way to get an affordable policy is to compare quotes\n from several insurance providers.\n Don’t consider price alone. Look at the amount of coverage and what the policy protects. Check out the company’s\n customer reviews and how easy it is to file a claim, too.\n
\nThis is one of the easiest ways to save on your homeowners insurance premium. The higher the deductible you\n choose, the lower your premium will be. When you file a claim, your deductible is the amount subtracted from your\n insurance payout.\n As a general rule, it’s smart not to take on a higher deductible than you can comfortably spare out of pocket. If\n you’re not sure what deductible amount is appropriate for your financial situation, ask us for guidance.\n
\nMake sure you accurately value your home when choosing how much coverage to purchase. Tools are available to help\n you determine the replacement cost of rebuilding your home in the event of a claim.\n
\nPaying monthly may be more convenient, but an annual payment usually saves you the most money.\n
\nMany insurance providers offer a discount for a centrally monitored security alarm, smoke detectors, and\n dead-bolt locks. If you don’t already have a security system, ask your provider how much the discount is – the\n savings may offset the cost of installing the alarm.\n
\nMaking your home safer can also reduce your insurance bill. For example:
\nYour home changes each year, and your coverage needs may change, too. When your policy is up for renewal, take\n time to evaluate what updates you’ve made to the home, what new belongings you’ve acquired (or parted with), and\n see if you may be eligible for discounts that weren’t available to you before.\n
\nInsurers review your credit history to help determine your premium. As you might have guessed, a good credit\n score may help you nab lower home insurance rates.\n Before you apply for insurance or renew your policy, see if you can make improvements to your credit score. The\n following can have a big impact on your score:
\nIf you can, save claims for dire situations only. See if you can make small repairs yourself or enlist the help\n of a skilled friend or acquaintance. You can and should rely on your home insurance to help you avoid big\n financial burdens, not small annoyances.\n
\nSome consumer advocacy organizations have spoken out against the use of credit in setting insurance rates. They\n argue that the practice has an unfair impact on people of color, who often have lower credit scores than white\n people, as a group.\n The COVID-19 pandemic has only worsened this racial gap. Minority households were more likely to lose employment\n income and to struggle with making mortgage payments during the pandemic, according to a study from Harvard\n University’s Joint Center for Housing Studies[1]\n .\n
\nTo ease the financial impact of the pandemic, some state insurance commissioners took steps to minimize the role\n of\n credit in insuring pricing. For example, in Nevada, an insurer can’t raise your premium or deny you coverage based\n on credit score changes on or after March 1, 2020.\n In Washington, the insurance commissioner attempted to set a three-year moratorium on using credit information to\n set rates for auto, homeowners or renters insurance. However, the ban was later struck down by a judge.\n
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\nDepending on where your home is located and what you hope to protect, a flood insurance policy can be a wise\n investment. But you'll want to purchase the policy long before an impending weather event.\n
\nAs climate change brings about ever more severe weather events, including hurricanes of epic proportion\n that\n trigger torrential rainfalls and flash flooding, the question of whether to obtain flood insurance has never been\n more pressing.
\n\nAs the Federal Emergency Management Agency (FEMA) website points out, floods can happen anywhere and even\n a mere\n inch of water can cause up to $25,000 in damage.
\n\nIf you're unsure whether flood insurance makes sense for your living situation, here are some key questions and\n considerations to help sort out this important decision.\n
\n\n Flood insurance will help you to get back on your feet—but only if you have the right coverage to make the\n necessary repairs and replace your belongings. After any disaster, there are some who find you didn’t have enough\n coverage because you purchased only what the lender required, not what you truly needed.\n
\nIf you're unsure whether flood insurance makes sense for your living situation, here are some key questions and\n considerations to help sort out this important decision.\n
\nYour home's location should be a primary factor in determining whether flood insurance is a worthwhile\n investment.\n However, it's important to keep in mind that FEMA's flood maps can be outdated, meaning your home may have more or\n less flood risk than the agency's map indicates\n
\nThe monthly cost of flood insurance premiums may be another consideration for homeowners considering such a\n policy. The amount you will typically pay for a policy depends on a variety of factors including your home's flood\n risk designation, the year it was built, its elevation, and how it's constructed.\n
\nDepending on what you hope to protect, flood insurance may or may not make sense for your situation. Overall,\n flood policies are available to insure the dwelling itself, and also its contents.\n Building coverage covers your home's foundation, including electrical and plumbing systems, while contents\n coverage covers your personal property, like furniture and electronics,\n
\nAs already mentioned, climate change has intensified rainfall and flood conditions across the United States and\n the world, and this reality is increasingly worrying for Americans.\n Climate change is making hurricanes larger and more destructive, so if you live in an Atlantic or Gulf Coast\n state, it's a good idea to consider flood insurance regardless of your location in the state.\n
\nHomeowners in every state have the option to purchase flood insurance through the National Flood Insurance\n Program managed by FEMA. These policies are usually sold by private insurance companies.\n A majority of flood insurance policyholders have an NFIP policy, and most communities participate in this program,\n so you will likely be able to obtain a NFIP policy,\n
\nWhile you can’t purchase flood insurance directly from the National Flood Insurance Program, you can purchase\n flood insurance directly from NsureHub. Just apply for a flood insurance quote online – we’ll handle the rest.\n
\n \nHomeowners in Florida pay about $4,231 for home insurance.
\n\nLet's put that into perspective. The average homeowner coverage in the US is $1544. This means the residents\n of Florida pay 3 times the national average.
\n\n3X! Let that sink in.
\n\nAnd no, the tropical storms and hurricanes to wildfires aren't the only reason for the high rates. Frauds and\n litigations have led to a home insurance crisis in the state.
\n\nAt such a crucial time, NsureHub offers affordable home insurance\n coverages to\n homeowners in Florida\n to safeguard the future!
\nA standard home insurance policy in Florida provides coverage for the usual risks and perils
any home in\n the USA\n faces.
At NsureHub, we go the extra mile for you, beyond the scope of a\n standard home\n insurance
policy in Florida.
![\"NsureHub\"](\"../../assets/images/nsurehub/covericon.png\")
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n We understand that due to the climate in Florida, homeowners face an increased risk of
damage from natural\n disasters. So, we provide additional coverage to keep your home
protected from the huge costs of damages\n from climatic factors.
Here are a few endorsements you should consider for your home insurance policy:
\n\nWith its coastal location and near sea-level terrain, Florida experiences frequent flooding and water\n damage due to heavy rains and storms. You should consider adding flood coverage to your home insurance\n policy.
\nHurricane screen enclosure insurance pays to repair or replace your screen enclosure’s frame if it’s\n damaged during a hurricane. A basic homeowners' insurance policy won’t cover this damage even if it\n includes hurricane coverage.
\nIdentity theft coverage helps pay to reverse the fraud, fix your credit score, and get your identity\n back, but it does not cover direct monetary losses.
\nHaving equipment breakdown coverage with your homeowners insurance is smart. It provides additional\n protection for common home appliances, furnaces and HVAC systems in case of electrical or mechanical\n breakdown. It also helps cover extra charges to speed up repair or replacement of property damaged. But\n keep in mind that equipment breakdown insurance doesn’t cover normal wear and tear.
\nThe right coverage options may depend on various factors, including the
condition of your home and your\n location.
Reach out to the NsureHub team to discuss the best endorsements to add\n
to your home insurance policy.\n
The skyrocketing insurance costs in Florida have little to do with the foul weather in the region.
\n\nFrom AOB scams and inflated damage costs to unrequired litigation costs passed to policyholders and\n increasing reinsurance, a lot has driven the premiums north.
\n\nWith rising rates come an increasing burden on policyholders' pockets, and therefore cancellation of\n insurance plans. The home insurance rate increases have, so, played a great role in why homeowners'\n insurances are getting canceled.
\n\nIf you’re still on the fence about your next insurance policy, a little information about the home insurance\n crisis and resulting frauds in Florida can give you a better perspective.
\nContractors submit insurance claims for new infrastructural damage based on manufactured faults.
\nCost of repairs are inflated to differ from real values, therefore resulting in insurance fraud with\n the insurer.
\nFlorida’s insurance laws are a little different. That’s why attorney adverts to sue insurance\n companies are plenty (and tempting) too, resulting in a negative impact on the insurance sphere.
\nInsurance companies need insurance too, and that’s called reinsurance. So, in a disaster-prone state\n like Florida and its insurance crisis, when policyholder premiums go up, so do reinsurance rates,\n and the cycle goes on!
\nAn additional fee by the Florida Insurance Guarantee Association is charged as a backup for the\n insured in case an insurer fails to pay for the claims requested. Consider this as extra protection,\n but of course, it comes with a price.
\nOf course, not to forget, inflation has also hit the global economy, impacting
home insurance\n coverage prices. But, this crisis of rising prices, insurance
scams, and complex litigation can be mitigated\n with a strong, customer-
centric team like NsureHub.
Getting the right policy for your home isn't always an easy or economical endeavor.
\n\nHere’s how you can get your optimal coverage at the best price!
\nDon't always settle for the first policy you see. Survey the market, and look for ease of filing,\n better prices, and maximum coverage. Go through reviews, testimonials, the Yellow Pages, and your\n own insights to choose your home insurance policy in Florida.
\nHigher deductibles at the beginning may seem heavier on the pocket, but they give great copayment\n terms in the latter years. Save up to 1/4 th of your costs (really!) by agreeing to a higher\n deductible(s) in the agreement. Also, make a note of separate deductibles.
\nA good (read: higher) credit score makes you a safer bet, and therefore eligible for lower premium\n rates. Improve your gearing, pay outstanding bills, and keep debts to a minimum to enhance your\n credit score and increase your chances of better policy rates.
\nThe best policy isn’t always one where the home insurance rate increases. Gain discounts on your\n premium by being one step ahead in your home's security. Burglar alarms, smoke detectors, or even\n sprinkler systems could get you discounts in the double digits!
\nAnything that can reduce the risk of damage to your home ultimately lowers the premium. Install a new\n or maintained roof to prevent weather damages, check your electrical wiring to reduce hazards, and\n upgrade the security of your home overall for better rates!
\nGiven its weather conditions, Florida is prone to natural disasters. Therefore, you are guaranteed by\n law to be quoted lower premiums and discounts if you have wind-mitigation processes in place. Roof\n straps and hurricane shutters can do the trick.
\nAt the end of the day, price isn’t everything.
\n\nSometimes undercutting your coverage can result in insufficient security, resulting in difficult\n claims.
\n\nMake the process easier for your home. Understand your coverage needs and invest in the right\n home insurance policy in Florida.
\n\nThe question that matters the most.
\n\nGiven the high insurance rates, ongoing cancellations, and home insurance crisis in Florida,\n investing in insurance may seem like a debatable move. But it’s not.
\n\nYes, insurance isn’t needed by law. But, if you’ve got a mortgage on your home, the lender\n might make it a necessity. Or, if you live near the coast, getting insurance merely protects you from\n exponentially costly damage that might overtake your property with one minor climate act.
\n\nSo, buying a home insurance policy in Florida is a smart move.
\nIt’s the one investment you should get emotional about
\nWhether you’ve recently bought your house, or it’s been in your family for generations, we understand the care and\n attention that goes into making it your home.\n
\nWe don’t leave you to guess the value of your home. In most instances, we send an expert NsureHub risk consultant\n to document the intricacies of your property and precious possessions, so you know you have the coverage you need.\n If you have high value contents worth over $100,000 you will benefit from our bespoke policies.\n
\nWe restore to the standard you expect, and never below. For most homes, we guarantee that we will repair or\n rebuild your home exactly as it was, even if the costs exceed your sum insured.\n
\nWe won’t force a course of action on you. In the event of covered total loss, if you decide not to rebuild, you\n can take an equivalent cash settlement of the value of your house.\n
\nFrom hotels to short-term residences, if you need a place to stay while your home is being repaired or rebuilt,\n we’ll help you find the right place based on where you’ll be most comfortable.
\nWhether you own a weekend house in the country, a holiday home in France, or have an extensive worldwide property\n portfolio, we may be able to cover all your properties under one insurance policy.\n
\nIt’s difficult to know exactly how much your contents are worth. For most homes, if the sum you’re insured for\n isn’t quite enough, we will automatically increase it by up to 25%, following approval.
\nIf a theft or burglary leaves you or your family disturbed we know how hard it is to carry on as normal. Our\n policy will cover the cost of any counselling to get you back to your old self and any upgrades in security that\n you may wish to do to your home for added peace of mind.\n
\nComfort. Security. Convenience. They’re what home is all about. However, most of us take the heart of our home –\n the critical equipment that provides heating, cooling, and electricity – for granted. If you are like most\n homeowners, you assume your home insurance policy, equipment warranties, and service contracts have you covered\n should critical equipment and systems in your home break down.
\nChances are you have a gap in coverage, and a breakdown could be surprisingly costly – as much as $6,000 or more.\n Now, for covered home equipment, you can get coverage you depend on every day by enhancing your Home or Condo\n insurance policy with Home Systems Protection coverage from NsureHub.\n
\nToday, your home equipment risks are higher.\n Today’s homes are connected. With the amount of mechanical and electric equipment found inside homes and the\n sensitive technology that drives it, breakdowns are inevitable. NsureHub Insurance's Home Systems Protection\n endorsement helps to cover the failure-incurred costs of these and more:\n
\nWarranties and service contracts aren’t enough.\n Every home depends on sophisticated equipment to keep life running comfortably. Home and extended warranties may\n offer homeowners a sense of security, but the protection they offer can be very limited and expensive. Home and\n extended warranties are intended for everyday maintenance. With NsureHub Insurance’s Home Systems Protection\n coverage, you can rest easy knowing the cost of breakdowns are covered, and life can go on comfortably.\n
\nIdentity Theft is the fastest growing crime in America. In a matter of seconds, personal information such as a\n social security number, a credit card number and/or an address can be stolen; leaving individuals to unravel the\n financial mess created by an identity thief.
\n\nMembers will have 24/7 access to Identity Theft Restoration Advocates who will provide them with comprehensive,\n personalized recovery services.
\n\nIf a member becomes a victim of identity theft, NsureHub assigns a Recovery Advocate to manage the case and\n activate\n the members of our Recovery Team (fraud investigators, legal counsel, and other experts) needed to help with the\n recovery process from beginning to end.
\n\n This includes:\n
\nA kitchen range enables you to cook the perfect meal. The HVAC system keeps your family cozy on a cold winter\n night. Your electrical system powers the lights, coffee maker, and Wi-Fi, and so much more. It's the appliances\n and systems in your home that help keep your life running smoothly. You probably don't notice your home equipment\n until it stops working.\n
\nAs today’s homes rapidly transform into smart homes stocked with high-tech equipment and systems, homeowners become\n more vulnerable. That’s why adding our homeowner’s equipment breakdown endorsement to existing homeowner policies is\n a simple, affordable and comprehensive solution to coverage gaps. Typically, homeowner policies exclude most\n electrical, mechanical and pressure system breakdowns. So when a loss occurs, the homeowner is responsible. When\n faced with the repair or replacement of these sophisticated appliances and systems, the costs could be staggering.\n
\nOur simple and straightforward coverage endorsement protects:\n
\n
Our homeowners equipment breakdown coverage is unmatched in its coverage scope and flexibility. Our endorsement\n provides coverage for the real and personal property on a home’s premise. We even include off-premises coverage,\n where we’ll pay for the loss of covered property while away from a covered location.\n
\nWe also help our their insureds by providing property loss prevention tips and other valuable information\n regarding equipment breakdown or systems failure.
\nModern home equipment and appliances rely on embedded electronic and electrical components, including sensors. This\n increases their susceptibility to electrical loss and the need for specialized, expensive repairs.\n
\nAn oven with an electronic motherboard is one example. Its sensitive components may break down more frequently, and\n when they do, skilled repairs may cost more. This is where Equipment Breakdown coverage comes in.\n
\nWe know that when we respond to loss, we’re really working to make a house feel like home again. So if your\n policyholder’s oven breaks down tonight, or their furnace stops working on the coldest night of the year, or their\n TV goes black before the big game on Sunday, we are here to help.\n
\nEvery home depends on sophisticated equipment to keep life running comfortably. Home and extended warranties may\n offer homeowners a sense of security, but the protection they offer can be very limited and expensive. Home and\n extended warranties are intended for everyday maintenance. With NsureHub Insurance’s Home Systems Protection\n coverage, you can rest easy knowing the cost of breakdowns are covered, and life can go on comfortably.\n
\nSafe, Secure, Smart Home Discount
\nYour smart home is where your dreams grow, so it's important you keep it protected - we'll reward you for taking\n the right steps. In facts, if you've got a smart home device or home security system, you can qualify for savings\n on your policy.\n
\nClick the Icon below to Receive Discounts on Both Systems. NsureHub customers receive upto 20% discounts on Home\n Systems. Also, receive up to 15% discount on your Home Insurance Policy\n
\n![\"NsureHub\"](\"../../assets/images/home-discounts/Home)
\n ![\"NsureHub\"](\"../../assets/images/home-discounts/Vector.png\")
\n When your old video surveillance system meets AI smart technology, you get limitless possibilities and powerful\n peace of mind.\n
\n \nNot every client has the same needs, so we customize each system to solve their unique issues. Jetsons Living\n provides tailored solutions for clients and installers.\n
\n\n Simply give us a call, tell us what your needs are and we will make an AI surveillance system you will love.\n
\n\n Uniquely we provide a step-by-step process for Installers and Customers. This simplifies the buying and\n installation process as we do all the hard stuff for you.\n
\n![\"NsureHub\"](\"../../assets/images/home-discounts/smart_logo.png\"){kind=logo}
\n ![\"NsureHub\"](\"../../assets/images/home-discounts/smart_icon.png\"){kind=icon}
\n We invented Guardian after experiencing the devastating effects of water damage first hand and growing frustrated\n with the lack of smart leak prevention solutions on the market. Whatever did exist required professional\n installation or thousands of dollars in investment, making them inappropriate for most homeowners. Not anymore.\n
\n![\"NsureHub\"](\"../../assets/images/home-discounts/tools.png\")
\n Install Guardian without any tools or cutting into pipes\n
\n![\"NsureHub\"](\"../../assets/images/home-discounts/battery.png\")
\n Guardian can run for up to 12 hours on the optional battery backup\n
\n![\"NsureHub\"](\"../../assets/images/home-discounts/extrem.png\")
\n Leak Detectors can be placed up to 1,000 from the Valve Controller
\n![\"NsureHub\"](\"../../assets/images/home-discounts/standalone.png\")
\n No hubs or other 3rd party products required\n
\n![\"NsureHub\"](\"../../assets/images/home-discounts/offline.png\")
\n Guardian will shut off your water during leaks even without Wi-Fi
\n![\"NsureHub\"](\"../../assets/images/home-discounts/expand.png\")
\n Add Leak Detectors + accessories around your home\n
\nGuardian was designed from the ground up to allow all home and property owners to protect themselves from water\n damage. It's easy to install, quick to act, and capable of stopping most types of plumbing leaks dead in its\n tracks.\n
\n![\"NsureHub\"](\"../../assets/images/home-discounts/image.png\")
\n ![\"NsureHub\"](\"../../assets/images/home-discounts/remotly.png\")
\n Open and close your water valve and check the status of your sensors from anywhere
\n![\"NsureHub\"](\"../../assets/images/home-discounts/Vector-1.png\")
\n Guardian will automatically shut off your water supply if a leak is detected at your property
\nGuardian is a system of Leak Detectors and a Valve Controller that work together to detect leaks and shut off\n your water automatically, preventing further damage. Guardian installs with no tools and no pipe cutting – simply\n install, connect, and protect.\n
\nAnyone can install Guardian out of the box, but first, it's important to make sure Guardian is compatible with\n your plumbing.\n
\n*Please check the box and hit Start My Quote...
\n![\"NsureHub\"](\"../../assets/images/nsurehub/howto.png\")
\n Buy online now and save time and money; no inspection or application is\n required. Your policy is\n issued instantly
\n \nLower policy premium, but aDemo complete application and home inspection are required. Home\n inspection\n costs could be up to $400 with a 15-day application processing time.
\n \n \n![\"NsureHub\"](\"../../assets/images/nsurehub/simpleandeasy.png\" "\\"Get")
\n We make the insurance quoting, purchasing, and claiming process stress and hassle-free.
\n![\"NsureHub\"](\"../../assets/images/nsurehub/high-savings.png\" "\\"Get")
\n With our affordable insurance plans and low costs, you get to make the most of your hard-earned dollars.\n
\n![\"NsureHub\"](\"../../assets/images/nsurehub/superfast.png\" "\\"Get")
\n Time is of the essence. We understand that. This is why we offer the fastest sales platform in the\n industry.\n
\n![\"NsureHub\"](\"../../assets/images/nsurehub/personalized.png\" "\\"Get")
\n You are unique with your own set of needs and budget. So are our insurance policies for you.
\n![\"NsureHub\"](\"../../assets/images/nsurehub/teamcare.png\" "\\"Get")
\n Your time and happiness matters to us. We look out for you!\n
\n![\"NsureHub\"](\"../../assets/images/nsurehub/support.png\" "\\"Get")
\n Our team is only a click and call away – available around the clock to serve you.\n
\nTalk to our agents about your insurance needs!
1-888-678-7266
![\"NsureHub\"](\"../../assets/images/nsurehub/smallCom.png\")
\n Your business, your livelihood. We keep it safe, so you can focus on growth.
\n \n \n![\"NsureHub\"](\"../../assets/images/nsurehub/Auto.png\")
\n The coverage you need when you're on the road.
\n \n \n![\"NsureHub\"](\"../../assets/images/nsurehub/Flood.png\")
\n Stay secure even when the most frequent natural disaster comes calling.
\n \n![\"NsureHub\"](\"../../assets/images/nsurehub/Motorcycle.png\")
\n Insure your ride and enjoy the freedom of open road.
\n![\"NsureHub\"](\"../../assets/images/nsurehub/Boat.png\")
\n Get sea-worthy coverage and complete peace of mind.
\n \n![\"NsureHub\"](\"../../assets/images/nsurehub/RV.png\")
\n Protect your home on wheels and go on adventures of a lifetime.
\n \n![\"NsureHub\"](\"../../assets/images/nsurehub/GolfCart.png\")
\n Protect your home on wheels and go on adventures of a lifetime.
\n \n![\"NsureHub\"](\"../../assets/images/nsurehub/Umbrella.png\")
\n Get extra coverage for the unexpected and unplanned
\n \n \n![\"NsureHub\"](\"../../assets/images/nsurehub/Home.png\")
\n Safeguard what matters most to you - your home!
\n \n \n![\"NsureHub\"](\"../../assets/images/icons/Home/life.png\"){kind=icon}
\n No medical exams means all you have to do is answer a few health questions
\n \n \nSafePoint is proud to be rated favorably by leading independent rating organizations. These companies\n specialize in reviewing, analyzing and attesting to insure companies’ financial security and their ability\n to deliver on promises made to policyholders.
\nDemotech has assigned the rating of A Exceptional to SafePoint
\nThis Financial stability rating is an indication of an insurance company’s financial strength.
\nAccording to Demotech, an A rating means Safepoint has an Exceptional ability to maintain liquidity of\n invested assets, quality reinsurance, acceptable financial leverage and realistic pricing while\n simultaneously establishing loss and loss adjustment expense reserves at reasonable levels.
\n![\"NsureHub\"](\"../../assets/images/nsurehub/exceptionalNsurehub.png\")
\n For details, Visit Demotech\n on-line here.
\n\n \n \n \n \n \n \n \n \n \n \n \n \n![\"NsureHub\"/](\"../../assets/images/nsurehub/logo.png\"){kind=logo}
\n \n Based on National Hurricane Center's predicted path of Tropical Storm Nicole, \n effective today, Tuesday, October 8, 2022 at 09:00 AM EST, 08:00 AM CST, binding restrictions are \n instituted for the state of Florida.\n
\nThe cease to bind applies to NsureHub new business as well as increases in limits, increases in coverage and deductible changes for all policy forms.
\nPlease contact us at:\n 1-888-678-7266 or revisit the site after the storm has passed the State of Florida.\n
\n\n \n \n Thank you for your interest, but we need additional information.\n
\n\n Sorry, we are unable to bind your policy at this time.\n
\n\n Sorry, we are unable to process your payment.\n
\nPlease call one of our agents at NsureHub:
\n 1-888-678-7266\n
With term life insurance in place, there's a safety net that can provide funds for paying a mortgage, sending\n kids through college or other important concerns if you were no longer around.\n
\nMaximum no-exam
coverage
Eligible ages
\nTerm lengths
available
It's generally the cheapest way to buy life insurance.\n Term life insurance policies have a specific length of\n time when your rates are locked in.\n There's no cash value in a term life insurance policy.\n
\nLife insurance is an affordable way to protect your family financially in the event
you're not there to\n take\n care\n of them. Life insurance can help with things like paying
the mortgage, college tution, final expenses and\n more.\n
No-exam term life insurance for coverage up to $3M
\n Customize your coverage to save money on premiums
\n No policy fees and you can cancel anytime
Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance\n products issued by multiple insurers – for further details see ladderlife.com. All insurance products are governed\n by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own\n products.\n 221201-2618077\n
\nThe biggest cause for home insurance claims is acts of God, with the top\n five claims for insured homes including damage caused by wind and hail,\n water, frost, and fire, according to data from the Insurance Information\n Institute. While we can’t\n necessarily control Mother Nature, there are ways to mitigate some of the\n damage and, ultimately, prevent claims.\n
\nA tree next to the home can be aesthetically pleasing, but it can also do\n serious damage.\n While getting it removed altogether can be considered, trimming any\n branches that are touching the home or near power lines is a must.\n Getting rid of dead branches helps a tree grow stronger and healthier.\n
\nNsureHub Insurance shows that there has been an average increase of 12%\n in claims related to hail damage since 2013. Having shutters on windows is\n important to protect them, especially for those who live in an area prone\n to hailstorms.\n Have homeowners make sure storm shutters are securely fastened and in good\n shape.\n
\nA small leak in the pipes can go from a drip to a disaster before you\n know it. Thankfully with today’s technology, there are devices to help\n stop water damage before it starts. For just a few hundred dollars,\n devices allow homeowners to not only monitor the usage of water within the\n house,\n but also automatically shut off a home’s water supply when the device\n detects a change in water pressure caused by a leak.\n
\nDuring frigid months, homeowners can be reminded to let faucets served by\n exposed pipes to trickle. While it may increase the water bill slightly,\n the running water can help prevent pipes from freezing and ultimately\n bursting.\n
\nSensitive alarms, such as those triggered by cooking, can result in\n homeowners removing the batteries from their smoke alarms or dismantling\n them altogether. This can have deadly consequences in the event of a home\n fire, so regularly remind homeowners to install at least one alarm on\n every level of the home, near all sleeping areas and inside each bedroom.\n Testing them once a month is a great way to engage with homeowners and\n prevent home fire claims.\n
\nThe stats do not lie when it comes to just how important a sprinkler\n system is. According to the National Fire Protection Association’s\n Sprinkler Initiative, sprinklers lower the home fire death rate by 81% and\n reduce the average property loss rate by 71%. Less damage to the home\n means lower and fewer claims.\n
\nDid you ever wonder if your hot water heater requires routine maintenance?\n Most people don’t think much about their unit until it develops a leak or\n there is no hot water. Whether it’s a standard residential heater or a\n commercial hot water supply boiler, they need regular maintenance to operate\n efficiently and trouble-free.\n
\n![\"NsureHub\"](\"../../assets/images/loss-prevention/hotwater.png\")
\n Here are helpful tips to make sure your hot water heater is maintained properly:
\n\n Any of the following animals owed by you or kept on premises: exotic animals, or animals with vicious/dangerous\n tendencies or any animals with bit history or any of the following dog breeds: Chow Chows, Doberman Pinchers, German\n Shepherds, Great Danes, Keeshonds, Pit-Bull, Pit-Bull mixes, Presa Canarios, Rottweilers, Staffordshire Terriers,\n Wolf, Wolf Hybrid any mix of these breeds. Dogs with bite history are not eligible for coverage.\n
\n \n![\"NsureHub\"](\"../../../../../../assets/images/Vector.png\")
\n \n Any of the following animals owed by you or kept on premises: exotic animals, or animals with\n vicious/dangerous tendencies or any animals with bit history or any of the following dog breeds: Chow Chows,\n Doberman Pinchers, German Shepherds, Great Danes, Keeshonds, Pit-Bull, Pit-Bull mixes, Presa Canarios,\n Rottweilers, Staffordshire Terriers, Wolf, Wolf Hybrid any mix of these breeds. Dogs with bite history are\n not eligible for coverage.\n
\n\n I understand that the insurance policy for which I am applying excludes Liability and Medical Payments to Others coverage for losses resulting from any animals I own or keep, including temporary supervision, by me or any insured, resident, tenant, or guest whether or not the injury or damage occurs on the “residence premises” or elsewhere. This means that the company will not pay for any amounts I may become liable for resulting from alleged injury or damage caused by any animals I own or keep, including temporary supervision, by me or any insured, resident, tenant, or guest whether or not the injury or damage occurs on the “residence premises” or elsewhere. This exclusion does not apply to animals as covered under the Animal Liability Buyback Endorsement\n\n
\n\n Your policy provides coverage for a catastrophic ground cover collapse that\n results in the property being condemned and uninhabitable otherwise, your\n policy does not provide coverage for sinkhole losses.\n
\nX
\n\n The insurance policy for which I am applying excludes Liability and Medical Payments to Others coverage for losses\n resulting from recreational vehicles I own. This means that the company will not pay for any amounts I may become\n liable for resulting from any recreational vehicles in my possession or owned by me.\n
\nNote: You will be redirected to the carrier’s payment portal to further process your payment.
\n\n I understand that the insurance policy for which I am applying excludes Liability and Medical Payments to Others\n coverage for losses resulting from recreational vehicles I own. This means that the company will not pay for any\n amounts I may become liable for resulting from any recreational vehicles in my possession or owned by me.\n
\nNote: You will be redirected to the carrier’s payment portal to further process your payment.
\n\n The insurance policy for which I am applying excludes Liability and Medical Payments to Others coverage for losses\n resulting from the rental or holding for rental of any part of the insured location, regardless of the total\n annual\n compensation. This means that the company will not pay for any amounts I may become liable for resulting from the\n rental or holding for rental of any part of the insured location.\n
\nNote: You will be redirected to the carrier’s payment portal to further process your payment.
\n\n I understand the insurance policy for which I am applying excludes Liability and Medical Payments to Others\n coverage for losses resulting from the rental or holding for rental of any part of the insured location,\n regardless of the total annual compensation. This means that the company will not pay for any amounts I may become\n liable for resulting from the rental or holding for rental of any part of the insured location.\n
\nNote: You will be redirected to the carrier’s payment portal to further process your payment.
\nWe've applied automatic Windstorm Mitigation credits to your policy based on your location\n and age of\n dwelling/roof. You\n may reduce your policy premium with additional credits by submitting the Uniform Mitigation Verification\n Inspection\n Form.
\nNote: You will be redirected to the carrier’s payment portal to further process your payment.
\n\n Infutor’s integration with the AWS Data Exchange enabled NsureHub to benefit from simple, secure, and privacy-compliant access to consumer data\n
\n![\"NsureHub](\"../../../../../assets/images/nsurehub/congratulationsImg.png\")
\n {{localDCResponse}} your\n policy ({{policyNumber}}) is bound. We have sent your application to your email for signature. Please sign\n your\n\n application to avoid cancellation of this policy.\n\n
\n \nEverything we do is driven from our love of animals and our commitment to pet health. We offer one\n budget-friendly pet insurance plan that covers vet visits for new accidents and illnesses. It makes it easy to\n help protect you and your pet with a pet insurance plan this easy to understand.
\nAlthough humping in dogs can sometimes be sexual in nature, that isn’t always the reason. Luckily, there are\n several ways to discourage your dog from doing \"the deed\". Here’s why your dog might be inclined to hump, and tips\n to stop the embarassing habit.
\n![\"NsureHub\"](\"../../assets/images/pet-anusha.png\")
\n Being a pet parent comes with a lot of joy, and some unavoidable realities. But pet insurance — an enhancement to\n your pet’s wellness, your peace of mind, and your bank account — shouldn’t add any unexpected twists or turns.\n
\nFounded by pet parents unable to find a pet insurance option that fit our diverse lifestyles, NsureHub was born.\n Our\n innovative experience is designed around real people and real scenarios, taking insurance out of its overly complex\n & unrelatable world and into the homes of everyday pet parents.\n
\nWith less barriers, and added benefits that go beyond insurance, NsureHub fits into your lives, not the other way\n around.\n
\n![\"NsureHub\"](\"../../assets/images/pet-icon/caps.png\"){kind=icon}
\n We don’t cap claaim payments by condition type, so you can maake the most of your annuaal benefits.
\n![\"NsureHub\"](\"../../assets/images/pet-icon/cover.png\"){kind=icon}
\n We may cover pre-existing conditions considered curable if they show no signs or symptoms within 12 months of\n treatment.\n
\n![\"NsureHub\"](\"../../assets/images/pet-icon/fast.png\"){kind=icon}
\n Less waiting, $$ quicker than ever. On average, most claims close in just 2.6 working days.\n
\n![\"NsureHub\"](\"../../assets/images/pet-icon/power.png\"){kind=icon}
\n Stay on top of yearly exams & more with preventative coverages.
\n![\"NsureHub\"](\"../../assets/images/pet-icon/live.png\"){kind=icon}
\n Free 24/7 access to a licensed veterinary professional. Here for you during emergencies, no matter when they\n happen.\n
\n![\"NsureHub\"](\"../../assets/images/pet-icon/tag.png\"){kind=icon}
\n Synced to your Pet Cloud. Helps reunite you and your pet if they go missing.
\nOur love for pets is immeasurable and celebrated across our diverse and dynamic NsureHub team.
\nUnlike some competitors, every member of our US-based customer experience team is P&C licensed, so they are\n qualified to give expert advice on which policy is right for you and your pet.\n
\nAnd as you may have guessed, we are all obsessed with our pets.
\n\n ![\"NsureHub\"](\"../../../assets/images/policy.png\")
\n Privacy Policy
\n\n NsureHub is a insurance solution allowing you to purchase home insurance online. We at NsureHub appreciate the\n trust you place in us and are committed to protecting your nonpublic personal information and respecting your\n boundaries.\n Therefore, NsureHub provides this privacy policy (“Privacy Policy”) to describe the information we collect, how we\n use it and when and with whom we share it with. This Privacy Policy applies to information that we collect and use\n about you when you access or use our website located at NsureHub.com (the “Website”) or any product or service\n made available through the Website (together with the Website, the “Services”), including when you call or write\n to us.\n This Privacy Policy is made on February 2022.\n
1. Acceptance of Privacy Policy
\n By accessing the Website or using the Services, you agree to this Privacy Policy. NsureHub may amend this Privacy\n Policy from time to time, at its sole discretion. It is our policy to post any changes we make to our Privacy\n Policy on this page. The date of the most recent revision to the Privacy Policy is identified above. You are\n responsible for periodically visiting our Website and this Privacy Policy to check for any changes.\n
2. Information Collection
\n We obtain information about you through the means discussed below when we provide the Services. Please note that\n we need certain types of information to provide the Services to you. If you do not provide us with such\n information, or if you ask us to delete that information, you may no longer be able to access or use certain\n Services.\n Information you provide directly to us\n We may collect information that you provide directly to us:
\n • When you use our Services, e.g. when you create an account on the Website;
\n • When you fill out forms or respond to requests for information;
\n • When you request a quote for insurance or other products;
\n • When you register for promotions;
\n • When you transmit user content to us;
\n • When you request customer support and/or technical assistance;
\n • When you provide information to us via email, telephone or text message.
\n • When you otherwise communicate with us or other users through the Services;
\n The information you provide directly to us may concern you or others and may include, but is not limited to:
\n • Identifiers and Contact Information; We may collect identifiers and other contact information from you, such as\n your name, email address, phone number, date of birth, address, and driver’s license and any other information\n while creating an account.
\n • Property Information: We may collect information about your house or other property, e.g. the roof type, year\n built, or construction material.
\n • Financial Information: You may provide us or our service providers with financial information such as your\n income, credit score, insurance information, identity verification information, and/or financial account or credit\n card account information.
\n\n You are not required to provide us with such information, but certain features of the Services may not be\n accessible or available, absent the provision of requested information.\n Information from affiliates and non-affiliated third parties
\n\n We may obtain information about you from affiliates and non-affiliated third parties, which may include, but is\n not limited to:
\n • Consumer Reports: We may request information about your credit and claims history from a consumer reporting\n agency. By accessing the Services, you authorize us to request your consumer report.
\n • Property Information: We may obtain information about your house or other property from third parties, including\n third party vendors specializing in collecting data about property insurance risks.
\n • Information Provided for Payment Processing. When you make a payment through the Website, your payment will be\n processed by ACI XXXX or another payment processing vendor authorized by us. In processing such orders, ACI XXX or\n the applicable vendor will collect certain Personally Identifiable Information, including your name, telephone\n number, e-mail address, billing information (credit card number, CVV codes, and expiration date, bank routing\n numbers, and checking account numbers and billing address). NsureHub expressly disclaims any liability, financial\n or otherwise, associated with your interaction with any payment vendor.
\n We may combine information that we collect from you through the Services with information that we obtain from such\n third parties and information derived from other products or services we provide.\n
Information we collect automatically
\n We may collect information that does not individually identify you, such as information about your internet\n connection, the equipment that you use to access our Services, and how you use our Services. We may aggregate such\n information into non-personal, statistical information about your use of the services, which we refer to as ‘Usage\n Information.’ This information allows us to optimize the Services to the internet connections and equipment that\n are used to visit the Website. For instance, in order to make the Services better, we may collect information on:\n how long you use the Services; whether you have used the Services before and on how many occasions; how frequently\n you use the Services; and at which point you exit the Services. We collect this information directly from you when\n you provide it to us and automatically as you navigate through and interact with our Services. Information\n collected this way includes: (a) details of your visits to our Services, including traffic data, location data,\n logs, other communication data, and the resources that you access and use on the Website; and (b) information\n about your computer and internet connection, including your IP address, operating system, and browser type. The\n technologies we use for automatic data collection of information\n
from our Services may include:
\n • Cookies (or browser cookies): A cookie is a small file placed on the hard drive of your computer. We use session\n cookies to keep track of your login information. You may refuse to accept browser cookies by activating the\n appropriate setting on your browser. However, if you select this setting you may be unable to access certain\n Services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue\n cookies when you use the Services.
\n • Pixel Tags / Web Beacons:\n Pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as\n clear gifs, pixel tags and single-pixel gifs) that permit us, for example, to count users who have visited those\n pages or opened an email. We may also use these web beacons for other related Website statistics (e.g., recording\n the popularity of certain content and verifying system and server integrity).
\n • Device identifiers: When you use a mobile device like a tablet or phone to access our Services, we may access,\n collect, monitor, store on your device, and/or remotely store one or more “device identifiers.” Device identifiers\n are small data files or similar data structures stored on or associated with your mobile device, which uniquely\n identify your mobile device. A device identifier may be data stored in connection with the device hardware, data\n stored in connection with the device’s operating system or other software, or data sent to the device by us.
\n
3. Information Use
\n We use your information for business and commercial purposes, such as:
\n • To provide you with the Services, including to register you for an account and process transactions, or to\n process your application for insurance or other Services;
\n • To respond to your questions or inquiries, including to provide customer support and troubleshooting\n assistance;
\n • To communicate with you, including to send you emails or other communications about products and services that\n may interest you;
\n • To manage and remember your preferences and personalize the Services;
\n • To analyze and improve the Services or any other products and services we provide;
\n • To administer surveys or promotions;
\n • To verify your identity;
\n • To comply with our legal obligations or as permitted by law;
\n • To protect the safety and/or integrity of our users, employees, third parties, members of the public, and/or our\n Services;
\n • To prevent fraud and enforce our legal terms;
\n • To administer and troubleshoot the Services; and
\n • To show you online advertising for our products and services based on your interests on the Website or on other\n web sites. To display these advertisements, NsureHub or its third-party marketing partners may use technologies\n such as retargeting, cookies, cookie-less technologies, cross-device tracking, and digital audience\n targeting.
\n We may combine information that we collect from you through the Services with information that we obtain from\n affiliated and nonaffiliated third parties, and information derived from any other products or services we\n provide.
\n We may aggregate and/or de-identify information collected through the Services. We may use de-identified or\n aggregated data for any purpose, including without limitation for research and marketing purposes and may also\n share such data with any third parties.
\n
4. Disclosure of Information
\n We may share or disclose information in the following ways:
\n • Your Consent: We may disclose your Personal Information to nonaffiliated third parties based on your consent to\n do so.
\n • Service Providers: We may disclose your Personal Information to contractors, partners, service providers, and\n other third parties we use to support our business, all of whom are bound by contractual obligations to keep\n Personal Information confidential and use it only for the purposes for which we disclose it to them.
\n • Business Transfers: In the event that NsureHub is involved in a merger, divestiture, restructuring,\n reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or\n as part of bankruptcy, liquidation, or similar proceeding, your Personal Information held by us may be among the\n assets transferred.
\n • Law and Harm: Notwithstanding anything to the contrary in this Privacy Policy, we may disclose or share your\n Personal Information as (we reasonably believe) is required by applicable law or regulation, including in order to\n comply with any court order, law, or legal process, including to respond to any government or regulatory request,\n or if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of NsureHub,\n our customers, or others. This includes exchanging information with other companies and organizations for the\n purposes of fraud protection and credit risk reduction.
\n • Enforcement: We may disclose your Personal Information in order to enforce or apply our Terms and other\n agreements, including for billing and collection purposes.
\n • Disclosed when Collected: For any other purpose disclosed by us when you provide the information.
\n • Protection of Rights: If we believe disclosure is necessary or appropriate to protect the rights, property, or\n safety of NsureHub, our customers or others. This includes exchanging information with other companies and\n organizations for the purposes of fraud protection and credit risk reduction.
\n • We may disclose usage Information and aggregated information about our users without restriction. This\n information cannot be used to personally identify our users.
\n • We may share information collected from you or your devices with our partners to show targeted advertising on\n our Website or other websites, and to measure the performance of our ads.
\n
5. Third-Party Service Providers and Links to Third Party Sites
\n We use third-party service providers (“Service Providers”) in order to efficiently provide our Services to you.\n Service Providers perform tasks including, but not limited to, verifying information that you provide. Some\n Service Providers will collect information directly from you and provide us with relevant data. We may use this\n information to carry out our obligations or enforce our rights. Information collected from Service Providers is\n governed by their privacy policies. You should view the privacy policies of Service Providers before providing\n information to them. If you interact with a third-party, the third-party may have access to your Personal\n Information, even though we do not disclose your Personal Information for these purposes without your\n consent.
\n The Website may include links to pages on third party websites, such as our social media pages etc, that we think\n will be of interest to you and are not operated by us. These third party websites have separate data collection\n and privacy practices independent from ours, and we are not responsible for the policies or activities of such\n other websites, including the handling of information you provide, once you leave the Website by linking to\n another site. Please contact such third parties directly if you have questions about their privacy policies.
\n
6. Choices about How We Use and Disclose Your Information
\n We strive to provide you with choices regarding the information you provide to us.
\n Actions you may take on your own
\n • Tracking Technologies: You can set your browser to refuse all or some browser cookies, or to alert you when\n cookies are being sent. If you disable or refuse cookies, please note that many parts of the Website and Services\n may be inaccessible or will not function properly.
\n • Profile Information: You can update your profile information by accessing your Account.
\n • Account Safety
\n The safety and security of your information also depends on you.\n Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are\n responsible for keeping this password confidential.\n We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet\n is not completely secure.\n Although we do our best to protect your personal information, we cannot guarantee the security of your personal\n information transmitted to our Website.\n Any transmission of personal information is at your own risk.\n We are not responsible for circumvention of any privacy settings or security measures contained on the Website.\n You must also seek to protect against unauthorized access to any information that you use in connection with the\n Website, and you should remember to close the browser when you step away from your computer and when you have\n completed your activities on the Website.\n If you choose to create an account on the Website (an “Account”), you must treat your user name, password, or any\n other piece of information related to your Account (“Account Information”) as confidential, and except as\n otherwise stated herein, you must not disclose Account Information to any other person or entity.\n You also agree to ensure that you exit from your Account at the end of each session.\n When accessing other parts of the Website, you should use particular caution when logging into and viewing your\n Account, and when submitting Personal information through the Website using public or shared computers so that\n others are not able to view or record your password or other information on your Account or otherwise. In the\n event that we determine that there has been a security breach resulting in the unauthorized disclosure of Personal\n information to a third party, we will notify individuals whose personal information has been so disclosed as\n required by law.\n Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure.\n As a result, while we strive to protect personal information you submit to us, we cannot ensure or warrant the\n security of any information you transmit to us, and you do so at your own risk.\n NsureHub disclaims any liability, financial or otherwise, associated with the loss or misappropriation of your\n personal information due to authorized access that is beyond our.
\n\n Requests you may make to NsureHub to limit sharing
\n You may limit NsureHub sharing of each of the following by making a request via telephone, email, or mail to the\n Contact Information listed below:
\n • Credit Information: You may limit NsureHub sharing of Personal Information for NsureHub affiliates’ everyday\n business purposes by sending a request to NsureHub.
\n • Marketing: You may limit NsureHub sharing of Personal Information with affiliates and nonaffiliates to market to\n you by sending a request to NsureHub.
\n • Email Communications: If you do not wish to have your email address used by NsureHub to promote our own services\n or third parties, you may opt out of receiving promotional messages by sending a request to\n aortiz@safepointins.com or clicking on the opt out link in any email you receive. However, if you are a NsureHub\n customer you must provide an up-to-date and accurate email address for NsureHub to communicate with you regarding\n your insurance policy or any related claims.
\n Requests related to consumer reports
\n You are entitled to receive a free copy of your consumer report directly from the consumer reporting agency we\n utilize.
\n To receive your report, contact:
\n LexisNexis Consumer Center P.O. Box 105108 Atlanta, GA, 30348
\n To dispute your report, contact:
\n LexisNexis Consumer Center P.O. Box 105108 Atlanta, GA, 30348
\n\n
7. Correcting Your Information
\n You may send us an email at NsureHub to request access to, correct, or delete any Personal Information that you\n have provided to us. We may not accommodate a request to change information if we believe the change would violate\n any law or legal requirement, the terms of your applicable insurance policy, or cause the information to be\n incorrect.\n
8. Data Security
\n We take commercially reasonable measures to protect against the loss, misuse, and unauthorized access or\n disclosure, alteration and destruction of your Personal Information by aiming to maintain appropriate physical,\n procedural, and electronic safeguards to protect your personal data, including:
\n • Restricting access to personal data to our employees or Service Providers on a “need to know” basis;
\n • Enforcing policies and procedures for our employees in their handling of personal data; and
\n • Using technologies designed to safeguard data during its transmission, such as SSL encryption for the data you\n provide on our Website.
\n The safety and security of your information also depend on you. Where we have given you (or where you have chosen)\n a password for access to certain parts of our Website, you are responsible for keeping this password confidential.\n We ask you not to share your password with anyone.
\n Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best\n to protect your personal information, we cannot guarantee the security of your personal information transmitted to\n our Website. Any transmission of personal information is at your own risk. We are not responsible for\n circumvention of any privacy settings or security measures contained on the Website.
\n
9. Children Under Age 18
\n Our Services are not intended for children under 18 years of age. No one under the age of 18 may provide any\n Personal Information on the Website or through the Services. We do not knowingly collect Personal Information from\n children under 18. If you are under 18, do not use or provide any information on the Service. If we learn we have\n collected or received Personal Information from a child under 18 without verification of parental consent, we will\n delete that information. If you believe we might have any information from or about any child under 18, please\n contact us at NsureHub.
\n
10. Contact Information
\n To make any requests, ask questions or comment about this Privacy Policy and our privacy practices, contact us:\n 1-888-678-7266
\n\n
11. Governing Law and Jurisdiction
\n If any provision of this Privacy Policy is deemed invalid by a court of competent jurisdiction, the invalidity of\n such provision shall not affect the validity of the remaining provisions of this Privacy Policy, which shall\n remain in full force and effect, provided, however, that in such event this Privacy Policy shall be interpreted so\n as to give effect, to the greatest extent consistent with, and permitted by applicable law, to the meaning and\n intention of the excluded provision as determined by such court of competent jurisdiction.\n This Privacy Policy shall be governed by the laws of the United States, without respect to its conflict of laws\n principles. We each agree to submit to the personal and exclusive jurisdiction of the courts located in United\n States, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.\n\n
\nSubject to the limitations as contained under Section 626.9541(1)(m), the Florida Statutes or any other\n applicable law enforced for the time being, the Company may, in its sole discretion, offer to an insured or\n prospective insured, a Store Gift Card equivalent to the value of $50 or any other amount subject to a\n maximum limit of $100 per year, which may be used by such insured or prospective insured to get from the\n Company, a Home Inspection Service or any other loss mitigation service as may be offered by the Company\n from time to time. The Store Gift Card shall only be allowed to be redeemed within a period of 90\n days/months for the above-mentioned purpose and the same shall not be allowed to be encashed or exchanged in\n any other manner whatsoever. Moreover, the Store Gift Card shall not be construed or deemed as an Unlawful\n Rebate as provided under Section 626.572, the Florida Statutes, nor shall it be considered as an inducement\n or investment of any form. The Company disclaims any liability that may arise as a result of relying on the\n opinion given by a representative or agent of the Company during or after the Home Inspection Service or any\n other loss mitigation service. The Company reserves the right to discontinue issuing Store Gift Cards any\n time without notice or intimation.
\nThis Disclaimer is signed between the NsureHub Insurance Agency and the Client. The client by reading this\n disclaimer acknowledge and agree that;
\nI ACKNOWLEDGE that NsureHub Insurance Agency under their legal right is offering a promotional gift or rebate\n of $50 towards anyone who has to get a home inspection to get insurance.
\nI ACKNOWLEDGE I am voluntarily participating in the Promotional Gift offer/Rebate of the NsureHub Insurance\n Agency. I further acknowledge that “Insurance advertising gifts lawfully permitted under s. 626.9541(1)(m).\"\n State v. Rubio, 917 So. 2d 383, 393 (Fla. Dist. Ct. App. 2005). “Section 626.572 appears to allow agents to\n lawfully rebate a portion of their commission if the rebate satisfies the criteria set forth under that\n section; however, subsection (1)(d) allows an insurer to prohibit their agents from rebating commissions.\"\n Butler v. State, Dept. of Ins. Co., 680 So. 2d 1103, 1105-06 (Fla. Dist. Ct. App. 1996)
\nTHEREFORE I HEREBY, for myself, my heirs, executors, administrators, assigns, or personal representative\n (hereinafter collectively, \"Release,\" \"I\"' or \"me\", which terms shall also include Releasor's parents or\n guardians if Releasor is under 18 year of age), knowingly and voluntarily enter into this DISCLAIMER and\n hereby waive all rights, claims or causes of action of any kind arising out of my participation in the said\n activity with NsureHub Insurance Agency.
\nI AGREED TO RELEASE NsureHub Insurance Agency its agents, servants, employees, insurers, successors and\n assigns from any and all claims, demands, causes of action, damages or suits at law and equity of any kind,\n including but not limited to claims for unlawful practice, property damage, medical expenses, loss of\n services, or any claim related to the said participation with NsureHub Insurance Agency.
\nI FURTHER AGREE to indemnify, defend and hold harmless the Releases against any and all claims, suits, or\n actions of any kind whatsoever for liability, damages, compensation, or otherwise brought by me or anyone on\n my behalf, including attorney's fees and any related costs.
\nThe undersigned has read this DISCLAIMER in its entirety and voluntarily signs this document knowing that it\n constitutes a waiver of liability. ALL CARE IS TAKEN IN THE PREPARATION OF THE INFORMATION AND PUBLISHED\n MATERIALS ON THIS SITE. NSUREHUB INSURANCE AGENCY (WE) DOES NOT MAKE ANY REPRESENTATIONS OR GIVE ANY\n WARRANTIES ABOUT ITS ACCURACY, RELIABILITY, COMPLETENESS OR SUITABILITY FOR ANY PARTICULAR PURPOSE. TO THE\n EXTENT PERMISSIBLE BY LAW, WE WANT TO GIVE $50 TOWARDS ANYONE WHO MIGHT TO GET A HOME INSPECTION TO GET\n INSURANCE SECTION 626.9541(1)(M), FLORIDA STATUTES, BY ALLOWING INSURERS AND AGENTS TO GIVE ADVERTISING AND\n PROMOTIONAL GIFTS HAVING A TOTAL VALUE OF NOT MORE THAN $100 PER INSURED OR PROSPECTIVE INSURED IN ANY\n CALENDAR YEAR. NSUREHUB DO NOT NECESSARILY APPROVE OF, ENDORSE, OR SPONSOR ANY CONTENT OR MATERIAL ON SUCH\n SITES. TO THE COMPANY'S KNOWLEDGE, NO DIRECTOR, OFFICER, KEY EMPLOYEE OR AGENT OF THE COMPANY IS SUBJECT TO\n ANY CONFIDENTIALITY, NON-DISCLOSURE, NON-COMPETITION AGREEMENT OR NON-SOLICITATION AGREEMENT WITH ANY\n EMPLOYER OR PRIOR EMPLOYER THAT COULD REASONABLY BE EXPECTED TO MATERIALLY AFFECT HIS ABILITY TO BE AND ACT\n IN HIS RESPECTIVE CAPACITY OF THE COMPANY OR BE EXPECTED TO RESULT IN A MATERIAL ADVERSE CHANGE. UNDER NO\n CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF\n THE USE OF THE SITE OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SITE. THIS $50 OFFERS WILL BE CONSIDERED\n AS PERMITTED AS ADVERTISING AND PROMOTIONAL GIFT UNDER SECTION 626.9541(1)(M) OF FLORIDA'S UNFAIR INSURANCE\n TRADE PRACTICES ACT.
\nYOUR USE OF THE SITE AND YOUR RELIANCE ON ANY INFORMATION ON THE SITE IS SOLELY AT YOUR OWN RISK.
\nIF YOU HAVE ANY CONCERNS REGARDING THE CONTENT OF THE WEBSITE, PLEASE CONTACT NSUREHUB INSURANCE AGENCY.
\nNsureHub makes it easy to bind your High-Value Home with our Self-Inspection Application.
\nWe know that finding the time for a home inspection can be tough. To help Keep the Promise® and continue to bring\n you the best insurance coverage, NsureHub is now offering Home Self-Inspections for select policyholders.\n
\nIt’s simple. All you need is a smartphone or tablet, and to follow a few easy steps for photographing the\n pertinent parts of your home. Things like the exterior, air handling units, electrical panel, and plumbing will\n all be covered in your home inspection. After that, you’ll record a short walkthrough of your main living area.\n Your photos and videos will instantly be uploaded to NsureHub Insurance for review. Quick. Simple. Easy.\n Once your NsureHub Insurance policy is written, you will receive instructions directly from NsureHub for your home\n inspection.\n
\n![\"NsureHub\"](\"../../assets/images/self-inspection/download.jpg\")
\n Self inspections are methods of allowing the insured to carry out their own inspections, sending all the required\n information directly to their carrier. This allows many benefits for efficiency, communications and savings on the\n insured's overall costs.
\n\nSelf inspection technology allows the policyholder to take pictures of smoke detectors, sinks, home exteriors and\n other insurable assets. This allows the insured to directly upload images to a cloud-based file location and\n attach to a policy within cloud insurance software. Underwriters are able to review the data collected from the\n app for approval.\n
\n![\"NsureHub\"](\"../../../../assets/images/nsurehub/logo.png\"){kind=logo}
\n ![\"NsureHub\"](\"../../assets/images/header-icon/home.png\"){kind=icon}
\n Home
\n![\"NsureHub\"](\"../../assets/images/header-icon/life.png\"){kind=icon}
\n Life
\n![\"NsureHub\"](\"../../assets/images/header-icon/auto.png\"){kind=icon}
\n Auto
\n![\"NsureHub\"](\"../../assets/images/header-icon/umbrella.png\"){kind=icon}
\n Umbrella
\n![\"NsureHub\"](\"../../assets/images/header-icon/flood.png\"){kind=icon}
\n Flood
\n![\"NsureHub\"](\"../../assets/images/header-icon/health.png\"){kind=icon}
\n Health
\n![\"NsureHub\"](\"../../assets/images/header-icon/credit.png\"){kind=icon}
\n Credit Repair
\n \nCall us to modify coverage or to receive a quote from another carrier.
\nWe deliver innovative accident and health insurance programs to meet the unique needs of today’s market. Keep\n your finances healthy when you’re too ill or injured to work. Get monthly benefits paid straight to you. Accident\n and Sickness Protection Pays you cash if you can’t work because of illness and/or injury.\n
\n![\"NsureHub\"](\"../../assets/images/sick-pay/month.png\")
\n ![\"NsureHub\"](\"../../assets/images/sick-pay/incom.png\")
\n ![\"NsureHub\"](\"../../assets/images/sick-pay/safety.png\")
\n ![\"NsureHub\"](\"../../assets/images/sick-pay/clock.png\")
\n ![\"NsureHub\"](\"../../assets/images/sick-pay/cover.png\")
\n We’ll walk you through our different plans and benefit amounts – plus the conditions we cover.
\n\n \n \n \n ![\"NsureHub\"](\"../../../assets/images/page.png\")
\n Terms of Use
\n\n Terms of service were last modified February 2022
\n Thank your visiting [www.NsureHub.com] (“Website”) which is owned and operated by NsureHub,\n together with its affiliates and subsidiary companies we are providing insurance services,\n including issuance of insurance policies, to its customers.\n These terms of service (“Terms”) govern your access to and use of NsureHub, or any product or\n service made available through the Website (together with the Website, the “Services”).\n We offer insurance Services such as Quoting and Binding Personal Lines Insurance and\n (“Services”).\n
\n Acceptance of the Terms and General Terms
\n These Terms affect your legal rights and obligations. Please read these Terms thoroughly and\n carefully. By using the Services, you agree to be bound by these Terms and by the applicable\n Privacy Policy located found here Privacy Policy (“Privacy Policy”). If you do not agree to\n these Terms or the Privacy Policy, then you may not access or use the Services.\n All references to “you” or “your,” as applicable, mean the person who accesses, uses, and/or\n participates in the Services in any manner, and each of your heirs, assigns, and successors. If\n you use the Services on behalf of another individual, you represent and warrant that you have\n the authority to bind that individual, your acceptance of the Terms will be deemed an acceptance\n by that individual, and “you” and ”your” herein shall refer to you and that individual.\n
\n you access the Services on behalf of a company, organization, or other entity, then
\n i. “You” includes you and that entity, and\n ii. You represent and warrant that you are authorized to grant all permissions and licenses\n provided in these Terms and bind the entity to these Terms, and that you agree to these Terms on\n the entity’s behalf.\n\n These Terms may not describe all of the terms, conditions, exclusions, and exceptions applicable\n to our Services. All insurance coverages are subject to the complete terms and conditions of the\n insurance policies issued. Coverages, terms, and conditions and their availability may vary by\n geographic location and individual risk circumstances. Additional terms and conditions may also\n apply to specific portions, services, or features of the Website. All such additional terms and\n conditions are hereby incorporated by this reference into these Terms.\n This Website is offered and available to users who are 18 years of age and reside in [*] or any\n of its territories. By using this Website, you represent and warrant that you are of the legal\n age to form a binding contract with us. If you do not meet these requirements, you must not\n access or use the Website. We do not authorize the use of the Website or collect any personally\n identifiable information from any person whom we actually know is under the age of eighteen\n (18).\n By using the Services, you agree to the use of electronic signatures in connection with the\n Services. All manifestations of assent, including but not limited to, click-throughs, voice\n recordings, and typed or digitized handwritten signatures, shall have the same legal effect as\n original handwritten signatures.\n
\n Changes to the Terms
\n We may revise these Terms from time to time in our sole discretion, and the most current version\n will be posted on our Website. Modifications to the Terms will be effective upon the posting of\n the modification to the Website and will apply to causes of action arising after thereafter.\n You are responsible for reviewing the most current version of the Terms before using the Website\n to ensure that you agree to any revisions to the Terms. If you do not agree to the new Terms,\n you must stop using the Services.\n Your continued use of the Services following any revision to these Terms will mean you accept\n all of the modified terms and conditions. Moreover, you herby agree that these methods of\n providing notice and acceptance of changes or amendments to these Terms and to the Website are\n customary and reasonable.\n
\n Account Information and Security
\n In order to access the Services all customers are to create an account (“Account”) and obtain a\n username and password to gain access. Unauthorized use of or access to these password restricted\n areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result\n in criminal and/or civil prosecution. Attempts to access such areas without authorization may be\n viewed, monitored and recorded, and any information obtained by us during such monitoring may be\n given to law enforcement organizations in connection with any investigation or prosecution of\n possible criminal activity on this system or the Website. If you are not an authorized User of\n such areas or do not consent to continued monitoring, you should not attempt to access such\n areas, or you should discontinue use of the Website. If you create an Account on the Website,\n you must treat your user name, password, and any other information related to your Account\n (“Account Information”) as confidential, and you must not disclose it to any other person or\n entity. You acknowledge that your Account is personal to you and, except as provided herein, you\n agree not to provide any other person with access to your Account, your Account Information, or\n to any other security information. You will be solely responsible for all activity or use of the\n Website associated with your Account, including any conduct which violates these Terms or our\n Privacy Policy. We will not be responsible, financially or otherwise, if you do not properly\n secure your password or if you choose to share your password with anyone else. Only such\n accounts (i) that are authorized by law, and by each customer whose personally identifiable\n information is contained on such Account, to receive access to all information provided on the\n relevant Account; (ii) that have agreed, in writing, to refrain from disclosing Account\n information or any information obtained through the Account to any unauthorized person and to\n refrain from providing any unauthorized person with access to the Account; and (iii) whose\n access is necessary in order to carry out our responsibilities shall be allowed access by third\n parties. You agree to notify us immediately of any unauthorized access to your Account,\n unauthorized use of your username or password, or any other breach of security. You also agree\n to ensure that you exit from your Account at the end of each session. When accessing other parts\n of the Website using public or shared computers, you should use particular caution when logging\n into and using your Account, and when submitting personally identifiable information through the\n Website, so that others are not able to view or record your password, Account Information, or\n other information on your Account or otherwise. We have the right to disable any Account, user\n name, password or other identifier, whether chosen by you or provided by us, at any time,\n without notice, in our sole discretion for any reason or for no reason, including but not\n limited to, if in our opinion, you have violated any provision of these Terms of Use. We also\n reserve the right to log in or otherwise to access any Account on the Website, with the identity\n of any user, including any insured party, producer, and vendor, for the purpose of preventing or\n addressing service or technical problems, or otherwise in connection with customer support\n matters, and may do so from time to time.\n
\n Products or Services Offered
\n The Services described on the Website are continuously being updated and changed, and it is\n possible that some of the products and/or services displayed on the Website may not be available\n at a particular time. Additionally, not all Services described on the Website may be available\n in all states, and some products offered in a particular state may vary from the product\n description included on the Website. We reserve the right to withdraw or change the Services at\n any time and/or restrict or block access to the Website or Services, in our sole discretion\n without notice. We are not responsible to you, or to any other party, if a product or service\n displayed on the Website is not available for purchase at any particular time, or if a product\n or service varies from a description provided on the Website. These Terms may not describe all\n of the terms, conditions, exclusions, and exceptions applicable to the Services. All insurance\n coverages are subject to the complete terms and conditions of the insurance policies issued.\n Coverages, terms, and conditions and their availability may vary by geographic location and\n individual risk circumstances. Additional terms of use may also apply to specific portions,\n services, or features of the Website. All such additional terms of use are hereby incorporated\n by this reference into these Terms of Use. The insurance products and services, including the\n Policies, described on the Website are only intended for persons and entities in the states and\n jurisdictions of the NsureHub where these insurance products and services may legally be sold.\n Nothing on the Website shall be considered an offer to sell any insurance product or service to\n any person or entity in any jurisdiction where such offer, purchase, or sale would be unlawful.\n
\n Getting a Quote, Applying for a Policy and Coverages
\n Quotes provided on the Website, may not be available for all states, products, services, or\n coverage selections. To obtain a premium estimate and apply for an insurance policy on the\n Website, you must enter certain personal information, which may include, but is not limited to,\n the following personal information: contact information (e.g. full name, address, email address,\n phone number), date of birth, and property-related information. In addition, NsureHub may obtain\n supplemental personal information about a home or homeowner from third-party sources to produce\n a more accurate premium estimate and to make business and/or underwriting decisions regarding\n the potential insurance policy (together with the information in the preceding sentence, the\n “Application Information”). NsureHub may also contact you and other parties to verify\n Application Information through your Account provided to us or to obtain or provide additional\n information. The submission of a completed Application to us does not automatically result in a\n binding coverage agreement. Instead, an underwriter will review the application, determine\n whether to approve the application, and will notify you, if the application has been approved.\n If the application is approved. No insurance coverage can be bound, and no changes can be made\n to a Policy, new or existing, unless and until a written binder has been received from us.\n Coverages and availability may vary by state, and additional minimum coverage limits may be\n available in your state. Online Claim Submissions. If you elect to report an insurance claim\n through or using the Website, the information you submit regarding your insurance claim is\n subject to review and verification by Us. We reserve the right to request additional information\n regarding any claim in order to process or reach any coverage decision in accordance with its\n policies and applicable law. A representative may communicate with you regarding your claim. All\n policy provisions contained in your insurance policy remain in effect. If you have any questions\n concerning the coverage afforded by your policy, please contact us by phone at 1-888-678-7266 or\n email at info@nsurehub.com. Coverage for claims on your insurance policy will be determined in\n accordance with the terms and conditions of your applicable Policy. Submitting a claim online\n does not commit us to provide coverage for the alleged or reported loss. Information you submit\n regarding your Policy and the loss is subject to review and verification\n\n It is a condition of your use of the Services that all the information you provide to us is\n correct, current, and complete. You represent and warrant that all information you provide to\n us, including, without limitation, the Application Information, is true and accurate and does\n not violate any federal, state, local, or international law or regulation. You agree that all\n information you provide to us, including, but not limited to, through the use of any interactive\n or messaging with us, is governed by our Privacy Policy, and you consent to all actions we take\n with respect to your information consistent with our Privacy Policy. We will not be responsible\n for any losses that result from your failure to provide correct and current information.\n\n All premium estimates and quotes generated by us are based upon the information you provide and\n are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions\n provided on our Website are general descriptions of available coverages and are not a statement\n of contract. Prices and coverage limitations included in premium estimates and quotes change\n based on your answers to our questions during your application, your choices for different\n products, or due to changes of insurance pricing guides. Whenever you leave your application\n prior to obtaining an insurance policy, your price may change. Your price and policy terms are\n not final until you sign and pay.\n
\n Submitting Payments
\n When you make a payment through the Website, your payment will be processed by ACI XXXXX. The\n terms and conditions of the payment processor can be found at ACI XXXX. We disclaim any\n liability, financial or otherwise associated with your interaction with XXXXXXX, and you agree\n to abide by XXXXXX’s terms of use.\n
\n Consumer Reports and Credit-Based Information
\n In connection with the Services, we may review a consumer report containing credit-based\n information, including by obtaining or using a credit-based insurance score based on information\n contained in your consumer report. An insurance score uses information from your credit report\n and claims history to help predict how often you are likely to file claims and how expensive\n those claims will be. Typical items from a consumer report that could affect a score include,\n but are not limited to, the following: claims history, payment history, number of revolving\n accounts, number of new accounts, the presence of collection accounts, bankruptcies, and\n foreclosures.\n We will not review your consumer report or obtain or use a credit-based insurance score when\n doing so violates applicable law.\n
\n Your Responsibility
\n You represent that all of the information, data, and other materials that you provide on the\n Website or to NsureHub through any other means, are true, accurate, and complete. You are\n responsible for updating and correcting the information, including Personally Identifiable\n Information, you have provided on the Website or to NsureHub through any other means, as\n appropriate. You must not use the Website: (a) to violate any local, state, national, or\n international law or regulation, including but not limited to the Gramm-Leach Bliley Financial\n Modernization Act, as well as other applicable data security and privacy laws and regulations;\n or (b) to interfere with or disrupt the servers or networks connected to the Website, or disobey\n any requirements, procedures, policies, or regulations of networks connected to the Website.\n Except as permitted pursuant to these Terms of Use or otherwise agreed by us in writing,\n permission is hereby granted to the extent necessary to lawfully access and use the Website\n and/or information, materials, products, and/or services available on it to display, download,\n archive, and print in hard copy, portions of the Website on a temporary basis and for your\n individual non-commercial use only, provided you do not modify the materials and that you retain\n any and all copyright and other proprietary notices contained in the materials. NsureHub neither\n warrants nor represents that use of content displayed on the Website will not infringe rights of\n third parties not owned by or affiliated with NsureHub. Except as permitted pursuant to these\n Terms of Use or otherwise agreed by us in writing, you must not display, reproduce, duplicate,\n copy, sell, resell, or otherwise exploit for any commercial purposes, any portion of the\n Website. Without our prior written consent, you may not: (a) allow, enable, or otherwise support\n the transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam);\n (b) use any high volume, automated, or electronic means (including without limitation robots,\n spiders, scripts, or other automatic device) to monitor or copy the Website web pages or the\n content contained thereon; (c) link or deep-link to the Website for any purpose except as\n described in these Terms of Use; or (d) frame the Website, place pop-up windows over its pages,\n or otherwise affect the display of the Website.\n
\n Communicating with You
\n You authorize NsureHub to contact you at the email address or telephone number that you have\n provided to NsureHub for advertisement, telemarketing, solicitation or other purposes, including\n via text message, automatic telephone dialer system, and/or pre-recorded voice to deliver a\n message. You can revoke this consent at any time by contacting us by phone at 1-833-506-3452 by\n email at aortiz@safepointins.com or by any other contact method listed on the Website. Consent\n to receiving automated telephone calls or text messages from NsureHub is not a condition to\n using the Services.\n
\n Claims Submissions
\n If you elect to report an insurance claim, the information you submit regarding your insurance\n claim is subject to review and verification. NsureHub reserves the right to request additional\n information regarding any claim. A representative may communicate with you regarding your claim.\n All policy provisions contained in your policy remain in effect. Coverage for claims on your\n insurance policy will be determined in accordance with the terms and conditions of the\n applicable insurance policy.\n
\n Prohibited Uses
\n You may use the Services only for lawful purposes and in accordance with these Terms. In\n connection with your use of the Services, you agree:\n • Not to violate any applicable federal, state, local, or international law or regulation.\n • Not to use the Services to send unsolicited or misleading messages.\n • Not to (or attempt to) exploit, harm, or collect the personal information of minors in any way\n by exposing them to inappropriate content, asking for personally identifiable information, or\n otherwise.\n • Not to impersonate or attempt to impersonate us, a NsureHub employee, another user or any\n other person or entity (including, without limitation, by using email addresses or screen names\n associated with any of the foregoing).\n • Not to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the\n Services, or which, as determined by us, may harm us or users of the Services or expose them to\n liability.\n
\n Additionally,:
\n • You agree not to use the Services in any manner that could disable, overburden, damage, or\n impair the Website or interfere with any other party’s use of the Services, including their\n ability to engage in real time activities through the Website.\n • You agree not to use any robot, spider or other automatic device, process, or means to access\n the Services for any purpose without our express written permission including monitoring or\n copying any of the material on the Website.\n • You agree not to conduct your business or use the Services in a manner that results in or may\n result in complaints, disputes, claims, reversals, chargebacks, fees, fines, penalties, and\n other liability to us, other users, third parties, or you.\n • You agree not to use any manual process to monitor or copy any of the material on the Website\n or for any other unauthorized purpose without our express written permission.\n • You agree not to use any device, software, or routine that interferes with the proper working\n of the Services.\n • You agree not to introduce to the Website any viruses, trojan horses, worms, logic bombs, or\n other material which is malicious or technologically harmful.\n • You agree not to attempt to gain unauthorized access to, interfere with, damage, or disrupt\n any aspect of the Services, the server(s) on which the Website is stored, or any server,\n computer, or database connected to the Website.\n • You agree not to attack the Website via a denial-of-service attack or a distributed\n denial-of-service attack.\n • You agree not to otherwise attempt to interfere with the proper working of the Website.\n • You represent that all of the information, data, and other materials that you provide on the\n Website or to us through any other means, are true, accurate, and complete.\n • You are responsible for updating and correcting the information, including personally\n identifiable information, you have provided on the Website or to us through any other means, as\n appropriate.\n • You shall not use the Website: (a) to violate any local, state, national, or international law\n or regulation, including but not limited to the law of the United States, as well as other\n applicable data security and privacy laws and regulations; or (b) to interfere with or disrupt\n the servers or networks connected to the Website, or disobey any requirements, procedures,\n policies, or regulations of networks connected to the Website. Except as permitted pursuant to\n these Terms or otherwise agreed by us in writing, permission is hereby granted to the extent\n necessary to lawfully access and use the Website and/or information, materials, products, and/or\n services available on it to display, download, archive, and print in hard copy, portions of the\n Website on a temporary basis and for your individual non-commercial use only, provided you do\n not modify the materials and that you retain any and all copyright and other proprietary notices\n contained in the materials.\n • You agree not to without our prior written allow, enable, or otherwise support the\n transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam);\n • You agree not to link or deep-link to the Website for any purpose except as described in these\n Terms\n • You agree not to frame the Website, place pop-up windows over its pages, or otherwise affect\n the display of the Website.\n
Third Parties’ Links, Websites, and Services
\n The Services may contain links to third-party websites, advertisers, services, special offers,\n or other events or activities that are not owned or controlled by us. We are not affiliated with\n those websites, do not endorse them, have no control over those websites, and assume no\n responsibility and/or liability for the content, privacy policies, or practices of any\n third-party websites. In addition, we will not and cannot censor or edit the content of any\n third-party site.\n If you access any third party’s website, service, or content from our Services, you do so at\n your own risk. By using the Services, you expressly release us (and our owners, employees,\n agents, affiliates, and/or licensors) from any and all liability arising from your use of any\n third-party website, information, materials, products, or services. Accordingly, we encourage\n you to be aware when you have left the Services and to read the terms and conditions and privacy\n policy of each other website that you visit.\n
License to Services
\n Subject to these Terms, we grant you a limited, non-transferable, non-exclusive, and revocable\n permission to access and use our Services, provided that you:\n i. Will not copy, distribute, or modify any part of the Services without our prior written\n authorization;\n ii. Will not send unsolicited or unauthorized advertisements, spam, chain letters, etc.;\n iii. Will not transmit any content which contains software viruses or other harmful computer\n code, files, or programs;\n iv. Will not disrupt servers or networks connected to the Services; and\n v. Will comply with these Terms. Using our Services does not give you ownership of any\n intellectual property rights to our Services or the content you access.\n
\n Open Source Software
\n Certain software code incorporated into or distributed with the Services may be licensed by\n third parties under various “open-source” or “public-source” software licenses (collectively,\n the “Open Source Software”). Notwithstanding anything to the contrary in these Terms, the Open\n Source Software is not licensed under these Terms and instead is separately licensed pursuant to\n the terms and conditions of the applicable open-source software licenses. You agree to comply\n with the terms and conditions of such open-source software license agreements.\n
\n Intellectual Property Rights
\n Unless otherwise indicated, the Website and its design, text, content, selection and arrangement\n of elements, organization, graphics, compilation, magnetic translation, digital conversion, and\n other matters related to the Website, its presentation, functionality, and “look and feel” are\n protected under applicable copyright, trademark and other proprietary laws, including but not\n limited to those of the United States, and all rights therein are the property of NsureHub, or\n the material is included with the permission of the rights owner. You acknowledge that NsureHub\n owns all right, title, and interest in and to all of the information on the Website, and all\n underlying software and technology, including without limitation all Intellectual Property\n Rights (or that the material is included on the Website with the permission of the rights\n owner). “Intellectual Property Rights” means any and all rights existing from time to time under\n patent law, copyright law, trade secret law, trademark law, unfair competition law, any and all\n other proprietary rights, and any and all applications, renewals, extensions, and restorations\n thereof, now or hereafter in force and effect worldwide. Except as expressly set forth herein,\n you are not authorized to use any portion of this Website, our Content (defined below), or any\n of our Intellectual Property Rights on any other website, in the meta-tags of any other website,\n or in any other materials. NsureHub and its licensors reserve all other rights not expressly\n granted in these Terms of Use.\n
TRADEMARKS
. Certain of the names, logos, and other materials displayed on\n the Website constitute trademarks, tradenames, service marks, or logos (“Marks”) of NsureHub or\n other entities. You are not authorized to use any such Marks. Ownership of all such Marks and\n the goodwill associated therewith remains with NsureHub or those other entities.\n COPYRIGHTS; RESTRICTIONS ON USE. The content made available to you on or through the Website,\n including without limitation, text, databases, software, code, music, sound, photos, and\n graphics (“Content”), is: (a) copyrighted by NsureHub, its affiliates, and/or its licensors\n under the applicable law and international copyright laws; (b) subject to other intellectual\n property and proprietary rights and laws; and (c) owned by NsureHub, its affiliates, or its\n licensors. Except as permitted in the Terms of Use or otherwise agreed by us in writing, our\n Content may not be copied, modified, reproduced, republished, posted, transmitted, sold, offered\n for sale, performed, displayed, or redistributed in any way without our prior written permission\n and/or the prior written permission of our applicable licensors. You must abide by all copyright\n notices, information, or restrictions contained in or attached to any of our Content.\n
Disclosure
\n We reserve the right to access, read, preserve, and disclose any information as we reasonably\n believe is necessary to:\n i. Satisfy any applicable law, regulation, legal process, subpoena, or governmental request;\n ii. Enforce these Terms, including investigation of potential violations of it;\n iii. Detect, prevent, or otherwise address fraud, security, or technical issues;\n iv. Cooperate with law enforcement authorities;\n v. Respond to user support requests;\n vi. Protect our, our users’, or the public’s rights, property, or safety; or\n vii. Improve the user’s experience on the Website.\n
Disclaimer of Warranties
\n You understand that we cannot and do not guarantee or warrant that files available for\n downloading from the Website will be free of viruses or other destructive code. You are\n responsible for implementing sufficient procedures and checkpoints to satisfy your particular\n requirements for anti-virus protection and accuracy of data input and output, and for\n maintaining a means external to our site for any reconstruction of any lost data.ment, computer\n programs, data, or other proprietary material due to your use of the services, or items obtained\n through the website, or your downloading of any material posted on the website, or on any\n website linked to the website.\n your use of the services, including the website, its content, or items obtained through the\n website, is at your own risk. the website, its content, and the platform or items obtained\n through the website are provided on an “as is” and “as available” basis, without any warranties\n of any kind, either express or implied. neither nsurehub nor any person associated with nsurehub\n makes any warranty or representation with respect to the completeness, security, reliability,\n quality, accuracy, or availability of the services. without limiting the foregoing, neither\n nsurehub nor anyone associated with nsurehub represents or warrants that the website, its\n content, or any services or items obtained through the website will be accurate, reliable,\n error-free, or uninterrupted, that defects will be corrected, that our website or the server\n that makes it available are free of viruses or other harmful components, or that the services\n will otherwise meet your needs or expectations.\n nsurehub hereby disclaims all warranties of any kind, whether express or implied, statutory or\n otherwise, including, but not limited to, any warranties of merchantability, non-infringement,\n and fitness for a particular purpose.\n the foregoing does not affect any warranties which cannot be excluded or limited under\n applicable law.\n
\n Limitation on Liability
\n we will not be liable for any loss or damage caused by a distributed denial-of-service attack,\n viruses, or other technologically harmful material that may infect your computer equip in no\n event will the collective liability of nsurehub, or its licensors, service providers, employees,\n agents, managers, officers, or directors to any party (regardless of the form of action, whether\n in contract, tort, or otherwise) exceed $100. in no event will nsurehub or its licensors,\n service providers, employees, agents, managers, officers, or directors be liable for indirect,\n special, incidental, consequential, or punitive damages, including, but not limited to, pain and\n suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated\n savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including\n negligence), breach of contract, or otherwise, even if foreseeable.\n the foregoing does not affect any liability which cannot be excluded or limited under applicable\n law\n
\n Release
\n in exchange for the services provided by us and other good and valuable consideration, the\n receipt and sufficiency of which is acknowledged, you expressly agree to release nsurehub, its\n officers, directors, affiliates, parent companies, partners, employees, and agents from any\n claims, demands, causes of action, losses, and damages (direct and consequential) of every kind\n and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out\n of or in any way connected with any dispute you have, except that this release does not apply to\n claims by you directly arising out of nsurehub material breach of these terms or written\n agreement.\n
\n Limitation on Time to File Claim
\n any cause of action or claim you may have arising out of or relating to these terms of use or\n the website must be commenced within one (1) year after the cause of action accrues, otherwise\n such cause of action or claim is permanently barred.\n\n the foregoing does not affect any limitation period available under applicable law\n
\n Indemnification
\n You agree to defend, indemnify, and hold harmless us, our affiliates, and our and their\n respective owners, officers, directors, employees, agents, licensors, and/or successors and\n assigns from and against any and all claims, damages, obligations, losses, liabilities, costs\n and expenses (including but not limited to attorneys’ fees) arising from:\n i. Your use of the Services;\n ii. Your violation of these Terms;\n iii. Any inaccuracies in your Application Information;\n iv. Your violation of any third-party right, including without limitation any copyright,\n property, publicity, or privacy right; including all actions taken under your account.\n This defense, hold harmless, and indemnification obligation will survive any termination of\n these Terms and your use of the Services.\n Governing Law and Jurisdiction\n All matters relating to the Website and these Terms and any dispute or claim arising therefrom\n or related thereto (in each case, including non-contractual disputes or claims), shall be\n governed by, and construed in accordance with, the internal laws of the United States without\n giving effect to any choice or conflict of law provision or rule.\n Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website\n shall be instituted exclusively in the federal courts of the United States. You waive any and\n all objections to the exercise of jurisdiction over you by such courts and to venue in such\n courts.\n Dispute Resolution\n To the fullest extent permitted by applicable law, any dispute relating in any way to your visit\n to our Website and any purchase by you of our Services (unless expressed otherwise in the\n Insurance Policy) shall be submitted to confidential arbitration in Florida and you consent to\n the exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be\n conducted under the rules then prevailing under the applicable laws.\n
\n Termination
\n You agree that we, in our sole discretion and without providing notice to you, may terminate\n your use of, and/or access to the Website if we believe that you have violated or acted\n inconsistently with the letter or spirit of these Terms of Use. FURTHER, YOU AGREE THAT WE SHALL\n NOT BE LIABLE (FINANCIALLY OR OTHERWISE) TO YOU OR ANY OTHER PARTY FOR ANY TERMINATION OF YOUR\n ACCESS TO THE WEBSITE.\n
\n Waiver and Severability
\n No waiver by [*] of any term or condition set forth in these Terms shall be deemed a further or\n continuing waiver of such term or condition or a waiver of any other term or condition, and any\n failure of [*] to assert a right or provision under these Terms shall not constitute a waiver of\n such right or provision.\n If any provision of these Terms is held by a court or other tribunal of competent jurisdiction\n to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or\n limited to the minimum extent such that the remaining provisions of the Terms will continue in\n full force and effect.\n
Entire Agreement
\n These Terms and our Privacy Policy constitute the sole and entire agreement between you and [*]\n with respect to the Website and supersede all prior and contemporaneous understandings,\n agreements, representations, and warranties, both written and oral, with respect to the Website,\n except to the extent such terms are contained in a written contract.\n [*] reserves the right, in its sole and absolute discretion, to transfer, assign, sublicense, or\n pledge in any manner whatsoever, any of its rights and obligations under these Terms to a\n subsidiary, affiliate, successor, or to any third party whatsoever, without notifying you or\n receiving your consent. You shall not transfer, assign, delegate, sublicense, nor pledge, in any\n manner whatsoever, any of your rights or obligations under these Terms.\n
Your Comments and Concerns
\n All feedback, comments, requests for technical support, and other communications relating to the\n Website should be directed to NsureHub.\n When you submit any ideas, suggestions, documents and/or proposals relating to the Service (or\n other products or services) to NsureHub through the “Contact Us,” User Forum, or Support\n interfaces, or through any other channel or mechanism (collectively, “Contributions”), you\n acknowledge and agree that:\n i. Your Contributions do not contain confidential or proprietary information;\n ii. [*] is not under any obligation of confidentiality, express or implied, with respect to the\n Contributions;\n iii. [*] shall be entitled to use or disclose (or choose not to use or disclose) such\n Contributions for any purpose, in any way;\n iv. [*] may have something similar to the Contributions already under consideration or in\n development;\n v. Your Contributions automatically become the property of [*] without any obligation of [*] to\n you; and\n You are not entitled to any accounting, compensation, or reimbursement of any kind from [*]\n under any circumstances.\n
General
\n You acknowledge and agree that these Terms together with our Privacy Policy, constitute the\n complete and exclusive agreement between us concerning your use of the Website and any purchase\n by you of any Services from us and supersedes and govern all prior proposals, agreements or\n other communications, save for the insurance policy.\n No failure to exercise and no delay on the part of either party in exercising any right, remedy,\n power or privilege of that party under these Terms and no course of dealing between the parties\n shall be construed or operate as a waiver thereof, nor shall any single or partial exercise of\n any right, remedy, power or privilege preclude any other or further exercise thereof or the\n exercise of any right, remedy, power or privilege. The rights and remedies provided by these\n Terms are cumulative and are not exclusive of any rights or remedies provided by law.\n Nothing contained in these Terms shall be construed as creating any agency, partnership or other\n form of joint enterprise between us.\n We reserve the right to refuse to supply Services to any person for any reason whatsoever, to\n withdraw any Services from our Website at any time and/or remove or edit any materials or\n contents of the Website. We will not be liable to you or any third party by reason of our\n withdrawing of any Service from this Website whether or not such Services have been sold;\n removing or editing content on the Website; refusing to process a transaction or unwinding or\n suspending any service after it has begun.\n\n\n
![\"NsureHub\"](\"../../assets/images/nsurehub/sam.png\")
\n \n “Would definitely recommend NsureHub. Finally, I can pat myself on the back for the decision I made to get home insurance from them a year ago. While the fire damaged our home, our home insurance ensured we had the financial cushion to renovate.”
\n![\"NsureHub\"](\"../../assets/images/nsurehub/tom.png\")
\n \n “NsureHub made the entire process of navigating the insurance world extremely easy for us. From advising on the right options for us to getting all the paperwork done in a seamless manner, they went above and beyond to cater to all our needs.”
\n![\"NsureHub\"](\"../../assets/images/nsurehub/alkan.png\")
\n \n “I have gotten multiple insurance policies from NsureHub and am pleased with my experience so far. If you need customized and economical insurance policies to remain protected for whatever challenges life throws at you, look no further.”
\n![\"NsureHub\"](\"../../assets/images/nsurehub/chris.png\")
\n \n “NsureHub saved me 40% when Kin decided to double my premium (I don’t have any claims). The agent at NsureHub I spoke with even added some coverages I didn’t know where possible.”
\n![\"NsureHub\"](\"../../assets/images/nsurehub/fabby.png\")
\n \n “NsureHub is easy to use. I saved almost 50%, while lowering my deductible and changing from cash value to replacement value on my roof. Now I’m better covered and paying less.”
\nDid you know Texas is the fourth most expensive state for homeowners’ insurance in the US?.
\n\nYes, everything really is bigger in Texas! The average cost of a home insurance policy in Texas is $3,341 per\n year or around $278 per month.
\n\n3X! Let that sink in.
\n\nWhile home insurance rates increase or decrease based on several factors, including your home's condition,\n neighborhood, financial history, and more, it can still be a challenge to get a good policy.
\n\nThis is where NsureHub comes in!
\n\nWith affordable plans, multiple coverages, and customer-centric services, we provide every Texas homeowner\n the home insurance policy worth their money!
\nUnderstanding what your home insurance policy in Texas will cover is vital before finalizing an agreement.\n
\n\nA standard homeowner’s insurance will cover damages from usual risks and perils that can affect any house in\n Texas.\n\n Unfortunately, besides these common risks, homeowners in Texas face several other challenges throughout the\n year.
\n\nEven though the Lone Star state has a month longer of sun than other states, it has seen several floods,\n hurricanes, and storms, leading to a severe home insurance crisis.
\n\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n You should look to include additional coverage to protect yourself from the financial burden of such incidents\n through home insurance endorsements.
\n\nHere are a few endorsements you should consider for your home insurance policy:
\n\nEvery year, homes in Texas’ flood zones are at major risk from April to September. Even low-risk areas\n experience the impacts of rising water levels. Hence, it’s a smart idea to add flood coverage to your\n insurance policy.
\nSeveral counties in Texas do not have windstorm coverage, although they remain at risk throughout the\n year. Be sure to add this endorsement to your policy before the next hurricane or storm emergency.
\nIdentity theft coverage helps pay to reverse the fraud, fix your credit score, and get your identity\n back, but it does not cover direct monetary losses.
\nHaving equipment breakdown coverage with your homeowners insurance is smart. It provides additional\n protection for common home appliances, furnaces and HVAC systems in case of electrical or mechanical\n breakdown. It also helps cover extra charges to speed up repair or replacement of property damaged. But\n keep in mind that equipment breakdown insurance doesn’t cover normal wear and tear.
\nEvery homeowner may face varying levels of perils, so assessing your needs and risks is necessary beforehand.
\n\nWith an A Rating in service and financial stability, NsureHub offers a\n variety of coverage options under our\n homeowners’ insurance policies.
\n\nDiscuss your plans with our team to get the most suitable insurance coverage for your home.
\nThere’s not many homeowners in Texas can do when natural disasters damage their properties.
\n\nHowever, in 2020, 97.7% of home insurance claims were related to property damage. Many of these losses on\n home insurance could be prevented or reduced. This is also the cause for why homeowners' insurance is\n increasingly getting canceled.
\n\nHere are a few claim situations where you can make smarter decisions for your home:
\nBreak-ins and burglary incidents have lasting mental and financial implications. If you live in a\n high- crime area in Texas, consider installing a security system, keeping a dog guard,\n double-checking locks, securing the garage door, and other such measures.
\nFaulty electrical outlets, overburdened circuits, and poor-quality wiring are common causes of fires.\n Likewise, cracked washing machines and leaking refrigerators can cause damage to walls and flooring.\n Invest in high-quality appliances and conduct regular maintenance.
\nPlumbing issues like blocked drains, hidden leaks, and wobbly toilets are easily fixable issues.\n Regular inspection and maintenance can save you a large sum in claims.
\nIf not dealt with early on, choked gutters and loose shingles eventually lead to major roofing\n issues. Don’t delay or take lightly any roofing repairs, especially during storm season.
\nNow, you know why homeowners' insurance is getting canceled. Avoid such situations and safeguard\n your home from preventable losses!
\nHome insurance will be a significant yet necessary long-term expense from your income or\n saving. That’s why you need to ensure you get the most affordable home insurance policy in Texas:\n
\n\nHere are a few tips on how you can save money on home insurance:
\nYou should ensure your home is well-protected with necessary safety measures to reduce the risk and\n impact of damages. Invest in high-quality roofs to withstand severe weather. Make sure your\n electrical system and plumbing devices are repaired, updated, and fully functional to avoid\n corrosion, fire hazards, and leakages. Similarly, install protective security systems and sprinklers\n to deter fire and theft emergencies. These measures will help reduce the overall cost of insuring\n your home.
\nHome insurance rates increase for properties that are more prone to damage. On the other hand, if\n your property is in a secure condition, you may be eligible for various discounts. For instance,\n common smoke detectors and burglar alarms can get you discounts of 5%, while a sophisticated\n sprinkler or security system can get discounts up to 20%.
\nCredit history is a key factor in determining the price of home insurance. The home insurance rate\n increases as credit score decreases and vice versa. Maintain a good credit score by paying bills on\n time, not taking loans unnecessarily, and checking your credit report regularly for any errors.
\nAlways do your research before finalizing a home insurance policy. Ask people you know, look up\n insurers in Yellow Pages, and go through the National Association of Insurance Commissioners website\n and state resources for more information on insurance companies. Evaluate quotes with similar\n coverage and deductibles. Also, besides price comparisons, try to find out about the service quality\n and ease of filing insurance claims. Not only will shop around save you valuable money, but it will\n also save you from hassle during claims.
\nThe losses you have to pay before the insurance company covers them is called deductibles. If you can\n agree to a higher deductible during your agreement, you can save up to 25% of costs. Also, remember\n that there may be separate deductibles, such as those for flood damage in flood zones and windstorm\n damage in coastal areas.
\nSince you plan a home insurance policy for several years, you try to include coverage for major\n additions and changes to the property. However, certain floaters or extra insurance items may lose\n worth over time, and you may want to remove them from your agreement. A policy review can help sort\n such matters.
\nThe reason why many homeowners’ insurance gets canceled is not adhering to these tips, such as\n not maintaining the condition of your home or having your credit score drop significantly.\n
\n\nConsidering these factors allow you to find a favorable insurance policy and increase the chances\n of getting claims approved.\n
\n\nAt NsureHub, we offer several discounts like home\n security discounts, water detection discounts,\n and responsible repair discounts.\n
\nGet the best deal for home insurance policies in Texas!\n
\n\nYes. Although the state does not require a home insurance policy in Texas, almost every\n mortgage company will need your home to be insured.
\n\nPlus, with the climate in Texas, if your home is in a high-risk area, getting home insurance\n is also the wiser choice.
\nWe will pay up to $25,000 for expenses incurred by an insured as the direct result of any one identity theft\n discovered during the policy period. Additionally, you will have access to resolution services from a consumer\n fraud specialist who will assist you in the process of restoring your identity.\n
\nIdentity theft is the act of stealing any combination of personally identifiable information, such as an address,\n birthdate, or Social Security number, usually with the intention of assuming someone else’s identity or reselling\n the stolen data for financial benefit. Identity theft can happen as a result of being a victim of a cybercrime.
\nCybercrime is a criminal activity that either targets or uses a computer, a computer network, or a networked\n device.\n Most, but not all cybercrime is committed by cybercriminals or hackers who want to make money - Cybercrime may be\n carried out by individuals or organizations. Some cybercriminals may be organized, use advanced techniques and are\n highly technically skilled. Others may be novice hackers\n
\nBelow is a list of common coverage options typically associated with Identity theft insurance:
\nFew situations are more unnerving and inconvenient than losing your wallet. The plethora of cards to cancel and\n documents to replace can be overwhelming – if you can even remember all that you had. With lost wallet\n protection, your insurance provider may do most of the legwork for you: canceling credit and debit cards,\n requesting replacements and helping you obtain a new driver’s license and medical insurance cards.\n
\nWhen you enroll, you’ll register as many cards as you like, so your information is already on file should you\n need to call in a lost or stolen wallet. With some plans, you can get help in replacing passports, keys, and\n mobile devices as well. Others may offer a cash advance if certain conditions are met, such as being a given\n distance away from home.
\nNumerous companies use alert systems to notify you via text, phone, or email that your information has been\n compromised. Often these alerts will outline step-by-step how to resolve the suspected theft in tandem with\n their efforts. Before selecting a membership plan for these services, you’ll want to learn what alerts are\n offered and any steps you must take to activate them, such as registering all your card information online.
\nMoving to a new home, apartment, or condo – either permanently or temporarily – is really the only time you\n need to update your address with the U.S. Postal Service. Identity thieves, though, may have a different agenda\n in mind. By submitting address change requests, criminals can attempt to redirect your mail and steal your bank\n statements, medical bills, and other important documents. With address change verification, you’ll be alerted of\n any address changes submitted on your behalf without your authorization.
\nIf your personal identity is stolen, the thievery doesn’t necessarily stop right there: criminals can then sell\n your information on underground websites to other thieves. Black market website surveillance inspects thousands\n of websites, chat rooms and other databases for illicit use of your personal information. If bought, sold,\n traded or otherwise compromised, you’ll receive an alert outlining what you need to do next, including changing\n passwords, freezing your bank accounts and closely monitoring your financial information.
\nYou are able to check your credit score with the free report available from major credit reporting agencies\n once a year. If you would like to monitor your credit more regularly, another option is to register online at a\n handful of websites – like Credit Karma - to track your credit score for free. Often you can sign up to receive\n alerts via email, or you can log in at any time to see your updated score. Credit monitoring allows you to\n recognize any unexpected dips in your credit score, which could indicate that your financial information has\n fallen into the wrong hands. More advanced credit monitoring – such as a compilation of credit reports from\n three major credit bureaus – is available at an additional cost.
\nSome identity theft protection companies offer notifications for cash withdrawals, balance transfers and large\n purchases, all in one place – but for a price. You may just as easily be able to monitor your own accounts for\n free by signing up for alerts or mobile banking directly through your bank.
\nWith some memberships, you can receive quarterly reports related to your publicly available information. These\n quarterly updates will inform you of any changes to your information or assure you that it’s consistent.
\nNo deductible applies to identity theft coverage.
\n“Identity theft” means the act of knowingly transferring or using, without lawful authority, a means of\n identification of an insured with the intent to commit, or to aid or abet, any unlawful activity that constitutes\n a violation of federal law or a felony under any applicable state or local law.\n
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“Resolution services” provides a personal advocate assigned to victim who works one-one, from first call\n to\n crisis\n resolution. It also includes ordering your credit report, alerting credit reporting agencies, providing credit and\n fraud monitoring, (credit monitoring and fraud monitoring are only available to insured’s with online access to\n the internet and valid email addresses) and preparing necessary documentation and letters.\n
\nThe following additional exclusions apply to this coverage.
\n We do not cover:\n
With respect to the provisions of this endorsement only, the following definitions are added:
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