The terms that apply to using this site, creating an account and requesting home insurance quotes. Last updated July 2026.
Using this site means these terms apply in full. Anyone who does not agree with them should stop using the site. Creating an account or submitting a quote request confirms acceptance of the version published on the date of that action.
This site provides home insurance information, quote requests and coverage guidance for residential property. Content published here explains how cover generally works. It is not a policy, a binder or a promise that any particular coverage will be issued.
A policy takes effect only once an insurer accepts an application and issues the documents in writing.
An account may be created only by a person aged eighteen or older who resides in the United States and has the legal capacity to enter an agreement. Information submitted must be accurate, current and complete.
Account holders are responsible for the security of their login details and for all activity carried out through the account. The following apply to every account:
This site may not be used to submit false information, to attempt access to another account, to interfere with the operation of the service, to copy content for a competing service or to send automated requests that place an unreasonable load on the site.
Any figure shown before an application is finalized is an estimate based on the details provided. Final pricing, limits, deductibles and exclusions are set by the insurer after review, and they may differ from an early estimate once the property has been assessed.
Coverage descriptions on this site are summaries. The issued policy document is the only authoritative statement of what is covered.
Text, layout, graphics, code and the HomesSmith name and marks on this site are protected. They may not be copied, republished or used in another product or service without written permission.
Links to carrier sites and other external resources are provided for convenience. Those destinations operate under their own terms and privacy practices, and no responsibility is taken for their content or availability.
This site and its content are provided on an as available basis without warranties of any kind, whether express or implied. No guarantee is made that the site will be uninterrupted, error free or suitable for a particular purpose. Nothing published here constitutes legal, tax or financial advice.
To the fullest extent permitted by law, liability is excluded for indirect, incidental, special or consequential loss arising from use of this site, including loss of data, loss of profit or reliance on information published here. Where liability cannot be excluded, it is limited to the minimum permitted by applicable law.
These terms are governed by the laws of the State of Colorado. Any dispute that cannot be settled informally will be resolved by binding individual arbitration rather than in court, and class or representative proceedings are waived to the extent the law allows.
These terms may be revised as the service or the legal environment changes. The revision date shown at the top of this page reflects the most recent version, and continued use of the site after a change means the revised terms apply.
Questions about these terms can be directed to the contact points below.
