Terms and business disclosures.

Last updated: November 12, 2026. HomeQuotes.ai is operated by Your Insure Cure, LLC, an insurance agency. These terms explain the purpose and limitations of this website.

Insurance assistance

We help customers explore personal residential insurance options, including difficult-to-place homes. Options depend on the property, location, insurance history and insurer underwriting requirements. Acceptance, coverage and savings are not guaranteed. We consider standard-market options first where appropriate. Specialized or surplus-lines options may involve different terms and protections, which must be reviewed for the specific policy and jurisdiction.

We serve eligible customers in 46 states, excluding California, Hawaii, New York and Rhode Island, subject to licensing and product availability. We do not advertise service in Washington, D.C. or U.S. territories through this website.

A request does not bind coverage

Submitting a form, sending an email or viewing a quote does not bind, change or cancel insurance. Coverage takes effect only after the required application, acceptance and binding process has been completed. Confirm the insurer, effective date, required payment and any remaining conditions before relying on coverage. Policy terms, conditions and exclusions govern.

Educational information

Our guides are general educational information, not an individualized coverage determination, appraisal or legal opinion. Policies and state rules differ. Confirm the terms that apply to your property with the insurer or an appropriately licensed insurance professional. Examples are illustrations, not offers.

Accurate information

Please provide complete, accurate information for your request and promptly tell your agent about material changes. Do not use this website to submit someone else’s information without authorization, send malicious content or interfere with its operation.

Premium Lock is separate

Premium Lock is an optional paid service provided by Eventual Services LLC. It does not replace insurance or prevent an insurer from increasing its bill. Eligible premium increases above an agreed payout threshold may qualify for reimbursement, subject to Eventual’s agreement, fees, limits and conditions. Your individual Eventual offer and agreement govern that service.

Your Insure Cure, LLC may receive compensation if you purchase Premium Lock through our agency. Following a provider link does not enroll you. An insurance request to our agency does not purchase, change or cancel Premium Lock.

Compensation and outside providers

Our agency may receive compensation in connection with insurance placed through us. Ask your agent about compensation or any fees relevant to a specific transaction before proceeding. Third-party websites, insurers and service providers have their own terms and privacy practices.

Communications and privacy

We contact you about the assistance you request. Text messaging is optional and subject to the permission you provide and our Text Message Terms. See our Privacy Notice for information handling and contact choices.

Questions

Contact Your Insure Cure, LLC with questions about this website. For an emergency or an urgent insurance claim, use the appropriate emergency service or the insurer’s claims contact on your policy.