Terms & Conditions

Terms & Conditions of Service

Welcome to Update Your Quotes (updateyourquotes.com). By browsing our website, requesting auto or home insurance quotes, or communicating with our licensed representatives at (763) 766-7744, you agree to comply with and be bound by the following Terms and Conditions.

01. Independent Insurance Agency & Quote Services

Update Your Quotes is an independent insurance comparison agency operating from Lexington, KY (Fayette County). Our online quote tools and consultations connect consumers with rate indications from third-party licensed insurance carriers. Submission of information does not automatically guarantee coverage or bind an insurance policy.

02. Quote Accuracy & Non-Binding Rate Estimates

All insurance quotes provided via this website, over the phone, or through email are estimates based on the preliminary information provided by you. Final policy premiums, terms, deductibles, and eligibility are determined solely by the underwriting insurance carrier following complete motor vehicle report (MVR) verification, Comprehensive Loss Underwriting Exchange (C.L.U.E.) reports, and property inspection.

03. User Responsibilities & Truthful Representation

You agree that all information you provide—including vehicle usage, home characteristics, driver history, and address details—is complete, accurate, and truthful to the best of your knowledge. Inaccurate statements or material misrepresentations may cause policies to be voided, canceled, or claims to be denied by the issuing insurer.

04. Limitation of Liability

Update Your Quotes and its officers, employees, and affiliates shall not be liable for any indirect, incidental, or consequential damages resulting from your use of this website, underwriting delays, carrier rate adjustments, or policy decisions rendered by independent third-party insurance companies.

05. Intellectual Property

All text, graphics, logos, shield emblems, scripts, and content displayed on updateyourquotes.com are the property of Update Your Quotes and protected under United States and international copyright and trademark laws.

06. Governing Law & Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Kentucky, without giving effect to any principles of conflicts of law. Any legal proceeding arising out of these terms shall be brought exclusively in Fayette County, Kentucky.