Terms of Service
Last updated: January 2026
1. Acceptance of Terms
By accessing and using State Insurance Calculator (the "Website"), you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service. If you do not agree to these terms, please discontinue use of the Website immediately.
2. Informational Purpose Only
The Website and its calculator tools provide simulated estimates for educational and illustrative purposes only. Nothing on the Website constitutes:
- An insurance quote or policy binder
- An offer or contract to sell insurance
- Financial, legal, or professional actuarial advice
- A guarantee or prediction of actual insurance pricing from any licensed carrier
3. No Insurance Broker or Underwriting Relationship
State Insurance Calculator is not an insurance company, insurance agency, or insurance broker. We do not underwrite insurance risk, represent insurance companies, or earn commissions on policy binding.
4. Limitation of Liability
In no event shall State Insurance Calculator, its authors, or contributors be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of or reliance on the estimates, models, or data provided on this site.
5. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the United States.