Terms and Conditions

1. Introduction

These Terms and Conditions govern your use of the Howard Agency Insurance Solutions Specialist website and services. By accessing or using our website, you agree to be bound by these terms.

2. Services

Howard Agency Insurance Solutions Specialist provides insurance services, including commercial, life, auto, marine, and home insurance. We act as an insurance broker and partner with various insurance carriers to offer a wide range of products.

3. Quotes and Applications

We may collect personal information from you to provide insurance quotes and process applications. This information will be treated in accordance with our Privacy Policy.

4. Payment

Insurance premiums may be paid by credit card, check, or other methods as agreed upon. We reserve the right to charge a late fee for missed payments.

5. Cancellation and Refunds

You may cancel your insurance policy subject to the terms and conditions of the policy. Any refunds will be issued in accordance with applicable laws and regulations.

6. Intellectual Property

All content on our website, including text, graphics, and logos, is protected by copyright laws. You may not reproduce or distribute this content without our prior written consent.

7. Disclaimer

We make no warranties or representations regarding the accuracy or completeness of the information on our website. We are not responsible for any errors or omissions.  

8. Limitation of Liability

In no event shall Howard Agency Insurance Solutions Specialist be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our website or services.  

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida.  

10. Changes

We may update these Terms and Conditions from time to time. Any changes will be posted on our website.

By using our website and services, you agree to be bound by these Terms and Conditions.

Last Updated: 9/30/2024

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