Terms of Service

📄 TERMS OF SERVICE(“Terms”)

Please read these Terms of Service (“Terms”, “Terms of Service”) carefully before using the https://www.niacoverage.com website operated by Neighborhood Insurance Agency (“us”, “we”, or “our”).

1. Agreement to Terms

By accessing or using https://www.niacoverage.com (the “Website”) or engaging our services, you agree to these Terms of Service (“Terms”).

If you do not agree, do not use our services.

2. About Us

Neighborhood Insurance Agency (“Company,” “we,” “us,” or “our”) is an independent insurance agency based in Santa Ana, California.

We act as an intermediary between clients and insurance carriers. We do not underwrite or issue insurance policies.

3. Nature of Services

We:

  • Provide insurance quotes
  • Compare policies from multiple carriers
  • Assist with applications, servicing, and support

We do not guarantee coverage, pricing, or approval. All policies are issued solely by third-party insurance carriers.

4. No Binding Coverage

Coverage is NOT bound by:

  • Submitting a quote request
  • Completing an application
  • Making a payment

Coverage is only effective when:

  • Approved by the insurance carrier, and
  • A policy is issued and confirmed

You are responsible for verifying active coverage.

5. Client Responsibilities

You agree to:

  • Provide accurate and complete information
  • Review policy documents carefully
  • Notify us of any changes affecting coverage

We are not responsible for:

  • Denied claims due to inaccurate information
  • Gaps in coverage due to client inaction

6. Payments

Payments may be:

  • Made directly to insurance carriers, or
  • Processed through Neighborhood Insurance Agency (e.g., IPFS, SEP, or other financing/payment systems)

We do not control:

  • Carrier billing policies
  • Financing terms from third-party providers

Failure to make payments may result in cancellation by the carrier.

7. Communications & SMS Consent

By submitting your information or checking consent boxes on our forms (including Cognito or Gravity Forms), you expressly agree to receive:

  • Phone calls
  • Emails
  • SMS/text messages

These may include:

  • Service-related messages (quotes, policy updates, reminders)
  • Marketing and promotional messages

SMS Terms

  • Message frequency varies
  • Message and data rates may apply
  • You may opt out at any time by replying “STOP”
  • Consent is not a condition of purchase

All communications are subject to our Privacy Policy:
https://www.niacoverage.com/privacy/

8. Third-Party Carriers

Insurance policies are issued by third-party carriers.

We are not responsible for:

  • Claims handling or denial
  • Policy coverage decisions
  • Carrier actions or omissions

All coverage is governed by the insurer’s policy terms.

9. Website Use

You agree not to:

  • Use the Website for unlawful purposes
  • Submit false or misleading information
  • Attempt unauthorized access to systems

We may restrict access at any time.

10. Intellectual Property

All Website content, branding, and materials are owned by Neighborhood Insurance Agency and may not be used without permission.

11. Disclaimer of Warranties

Services are provided “as is” and “as available.”

We disclaim all warranties, including:

  • Fitness for a particular purpose
  • Accuracy of quotes
  • Availability of coverage

12. Limitation of Liability

To the fullest extent permitted by law:

Neighborhood Insurance Agency shall not be liable for:

  • Indirect or consequential damages
  • Denied claims or coverage disputes
  • Losses caused by third-party insurers

Total liability, if any, shall not exceed the amount paid to us.

13. Arbitration & Dispute Resolution (No Lawsuits)

You agree to resolve all disputes through binding arbitration, not in court.

  • Arbitration will take place in California
  • You waive the right to:
    • File a lawsuit
    • Participate in class actions
    • Have a jury trial

This clause applies to all disputes arising from:

  • Use of our services
  • Insurance transactions
  • Communications

14. Indemnification

You agree to indemnify and hold harmless Neighborhood Insurance Agency from claims arising from:

  • Your misuse of services
  • False or incomplete information
  • Violation of these Terms

15. Governing Law

These Terms are governed by the laws of the State of California.

16. Changes to Terms

We may update these Terms at any time. Continued use constitutes acceptance of updated Terms.

17. Contact Information

Neighborhood Insurance Agency
600 S Grand Ave Suite 101
Santa Ana, CA 92705
Phone: (714) 285-9990
Email: cs@niacoverage.com

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Are you ready to save time, aggravation, and money? The team at Neighborhood Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

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