Effective Date: December 23, 2025
By accessing and using the TopTierInsure website or services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services.
TopTierInsure provides home insurance quotes, policy information, and related services. You agree to use our services only for lawful purposes and in accordance with these terms. You are responsible for maintaining the accuracy of the information you provide to us.
To use our services, you must be at least eighteen years of age and legally able to enter into binding contracts. By using our website, you represent that you meet these requirements.
If you create an account with TopTierInsure, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.
Quotes provided through our website are estimates based on the information you provide. Final premium amounts and coverage terms are subject to underwriting approval and may differ from initial quotes. All insurance policies are governed by the terms and conditions of the individual policy documents issued by our partner carriers.
You agree to pay all premiums and fees associated with your insurance policy in a timely manner. Failure to make payments may result in cancellation of coverage. We accept various payment methods, and you authorize us to charge your selected payment method for recurring premium payments.
You may cancel your policy in accordance with the terms outlined in your policy documents. Refunds, if applicable, will be processed according to the cancellation terms of your specific policy and carrier guidelines.
TopTierInsure provides insurance information and quotes but is not the insurer. Our liability is limited to the services we provide. We are not responsible for claims, coverage disputes, or policy terms, which are governed by the insurance carrier.
All content on the TopTierInsure website, including text, graphics, logos, and software, is the property of TopTierInsure or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without permission.
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Your use of such sites is at your own risk.
Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not guarantee that our website will be uninterrupted, error-free, or free from harmful components.
Any disputes arising out of or related to these Terms and Conditions will be resolved through binding arbitration in accordance with applicable arbitration rules. You agree to waive your right to a jury trial or to participate in a class action lawsuit.
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the updated terms.
These Terms and Conditions are governed by the laws of the state in which TopTierInsure operates, without regard to conflict of law principles.
If you have questions about these Terms and Conditions, please contact us: