LEGAL

Terms of Service

Please read these terms carefully before using our services. Last updated: December 18, 2025

Welcome to Gator Insured. These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to be bound by these terms. Please read them carefully before proceeding.

Acceptance of Terms

By accessing and using the Gator Insured website, you accept and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must not use our website or services.

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of the site after changes are posted constitutes your acceptance of the revised terms.

Use of Our Website

You agree to use our website only for lawful purposes and in accordance with these terms. You are prohibited from:

  • Using the website in any way that violates applicable federal, state, or local laws or regulations
  • Attempting to gain unauthorized access to any portion of the website or related systems
  • Interfering with or disrupting the website or servers connected to the website
  • Transmitting any viruses, malware, or other malicious code
  • Collecting or harvesting any information from the website without our express written permission
  • Using automated systems or software to extract data from the website without authorization

Insurance Services

Gator Insured provides information about home insurance products and services. Important points regarding our insurance services:

  • Information provided on this website is for general informational purposes only and does not constitute insurance advice
  • Quotes provided are estimates and are subject to underwriting approval and verification of information
  • Insurance coverage is subject to the terms and conditions of the actual policy documents
  • We work with licensed insurance carriers and all policies are underwritten by those carriers
  • Coverage availability and pricing may vary based on location, property characteristics, and other factors

Accuracy of Information

While we strive to provide accurate and up-to-date information on our website, we cannot guarantee that all information is complete, accurate, or current. You are responsible for verifying any information before relying on it.

We reserve the right to correct any errors or omissions on the website at any time without prior notice. Insurance quotes and coverage details are subject to verification and may change based on underwriting review.

User Account and Information

If you create an account with us, you are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized use of your account
  • Providing accurate, complete, and current information when requested
  • Updating your information promptly when changes occur

We reserve the right to suspend or terminate accounts that violate these terms or provide false information.

Intellectual Property Rights

All content on the Gator Insured website, including text, graphics, logos, images, and software, is the property of Gator Insured or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from our website without our express written permission.

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Gator Insured. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites.

You acknowledge and agree that Gator Insured shall not be responsible or liable for any damage or loss caused by your use of any third-party content, goods, or services available through such websites.

Limitation of Liability

To the fullest extent permitted by law, Gator Insured shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from:

  • Your use or inability to use our website or services
  • Any unauthorized access to or use of our servers or your personal information
  • Any interruption or cessation of transmission to or from our website
  • Any bugs, viruses, or similar items transmitted through our website by third parties
  • Any errors or omissions in content or for any loss or damage incurred as a result of your use of any content posted or transmitted through the website

Indemnification

You agree to indemnify, defend, and hold harmless Gator Insured and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or in any way connected with:

  • Your access to or use of the website or services
  • Your violation of these Terms and Conditions
  • Your violation of any third-party rights
  • Any information you provide to us

Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of the state in which Gator Insured operates, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these terms or your use of our website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

Termination

We reserve the right to terminate or suspend your access to our website and services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms and Conditions.

Upon termination, your right to use the website will immediately cease. All provisions of these terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

Contact Information

If you have any questions about these Terms and Conditions, please contact us:

  • Email: [email protected]
  • Phone: +1 (515) 434-6872
  • Address: 4515 N. River Blvd NE, Cedar Rapids IA 52402