Terms and Conditions

The following Terms and Conditions govern your use of this website. By using this website in any way, you acknowledge that you have read and understood these Terms and Conditions, and you agree to be bound by these Terms and Conditions. You also agree to comply with all applicable laws and regulations, including United States and foreign patent, trademark, service mark and copyright laws. If you do not agree to these Terms and Conditions, please do not use this website.

Except as otherwise indicated in this website, all right, title and interest in the works of authorship and other content contained in this website, including but not limited to all design, text, and images, are owned, licensed, or controlled by Universal Insurance Holdings, Inc. and its affiliates. All such content is protected by copyright, trademark and other forms of proprietary rights. You agree that you will not use any such content in any way that would be inconsistent with or in violation of such copyrights, trademarks and other proprietary rights.

To use this website, you must have a personal computer or other communication device equipped with a modem or other Internet access device. You are responsible for the selection, installation, maintenance, and operation of your computer, devices and software. Neither Universal Insurance Holdings, Inc. nor its affiliates is responsible for any errors, failures, or malfunctions of your computer or software. You are responsible for ensuring that your computer and software are compatible with this website. Universal Insurance Holdings, Inc. reserves the right to change the system requirements for using this website.

You agree that you will not use this website in any manner that could damage or overburden any equipment or software of Universal Insurance Holdings, Inc. or its affiliates. You may not use any means of systematic retrieval of data or other content from this website. You may not obtain, or attempt to obtain, access to any content, material or information on this website that is protected by passwords, personal identification numbers or other required login identification through any means not expressly authorized by Universal Insurance Holdings, Inc. or its affiliates.

In connection with your application for insurance, we may obtain or use a credit-based insurance score. This will not impact your credit score. We may use a third party in connection with the development of your insurance score. Should there be any notice required by law in connection with use of your credit report or credit based insurance score, such notice will be sent electronically to the email address provided in connection with your application for insurance.

ALL OF THE CONTENT AND MATERIAL ON THIS WEBSITE IS PROVIDED TO YOU ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WHICH ARE EXPRESSLY DISCLAIMED.

NEITHER UNIVERSAL INSURANCE HOLDINGS, INC. NOR ANY OF ITS AFFILIATES NOR ANY OF ITS OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONSULTANTS, LICENSORS OR THIRD-PARTY SERVICE PROVIDERS WILL BE LIABLE OR RESPONSIBLE TO YOU OR ANYONE ELSE FOR ANY LOSSES, INJURIES, DAMAGES, COSTS, EXPENSES OR CLAIMS CAUSED BY, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THIS WEBSITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF UNIVERSAL INSURANCE HOLDINGS, INC. AND ITS AFFILIATES ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Neither Universal Insurance Holdings, Inc. nor any of its affiliates nor any of its and their officers, directors, employees, agents, consultants, licensors and third-party service providers assume any responsibility or have any liability for the consequences of any intentional or unintentional error, omission, inaccuracy, incompleteness or untimeliness in or with respect to any of the content, information and material on this website.

Some U.S. states and foreign countries may provide rights in addition to those above or may not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you or there may be state provisions that supersede the above. Any provision of this Disclaimer and Limitation of Liability that is inapplicable or declared invalid will be deemed severable from, and its inapplicability or invalidity will not affect the applicability, validity or enforceability of, the remainder of this Disclaimer and Limitation of Liability.

When you leave this website, whether via a link contained on this website or through the use of any navigational tool, the content, material and information you view after you leave this website may not be provided by Universal Insurance Holdings, Inc. or its affiliates. Except for this website and the websites of its affiliates, Universal Insurance Holdings, Inc. is not responsible for, nor has it developed or reviewed, the content on any other websites. Universal Insurance Holdings, Inc. and its affiliates make no guarantees, representations or warranties as to, and will have no liability or responsibility for, any content or material provided by any third party on or through this website, including, without limitation, the accuracy, subject matter, quality or timeliness of any such content or material. Universal Insurance Holdings, Inc. and its affiliates disclaim any responsibility for the information available on any third party website that may be reached by links from this website.

Universal Insurance Holdings, Inc. reserves the right to revise these Terms and Conditions at any time without prior notice to you. Each time you use this website, you will be bound by these Terms and Conditions as they appear on this website at the time you are using the website. You should check these Terms and Conditions periodically as you use this website to make certain you are aware of the most current Terms and Conditions.

Universal Insurance Holdings, Inc. and its affiliates reserve the right to seek all remedies available at law and in equity for any violations of these Terms and Conditions, including the right to block access from particular Internet addresses to this website.

These Terms and Conditions and your use of this website are governed by and will be construed in accordance with the laws of the State of Florida without giving effect to any principles of conflicts of laws.