Terms & Conditions

By using CVInsured's services, you're entering into an agreement with us. This includes getting quotes, purchasing coverage, filing claims, or simply browsing our website. These terms apply to everyone who interacts with our platform in any way.

If you don't agree with any part of these terms, you should stop using our services right away. Continuing to use the site or purchase coverage means you accept these conditions in full.

To purchase home insurance through CVInsured, you need to be at least eighteen years old and legally able to enter into contracts. You also need to own or have an insurable interest in the property you want to cover.

We provide coverage for residential properties within our service areas. If your property doesn't meet standard eligibility criteria, we'll let you know during the quote process and explain what options might be available.

Everything you tell us about your property and situation needs to be truthful and complete. Your coverage is based on the information you provide, so errors or omissions can lead to serious problems down the road.

If we discover that you've given us false information intentionally, we may cancel your policy and deny claims. Even honest mistakes can affect your coverage, so take your time when filling out applications and let us know right away if anything changes.

Your insurance policy spells out exactly what's covered and what's not. Reading through it carefully is important because coverage varies based on the plan you choose and your property's specific needs.

Every policy has limits on how much we'll pay for different types of damage. Understanding these limits helps you decide if you need additional coverage for valuable items or specific risks that matter to you.

Your coverage stays active as long as you pay your premiums on time. We offer different payment schedules to fit your budget, whether that's monthly, quarterly, or annual payments.

If a payment is late, we'll send you a reminder and give you a grace period to catch up. Missing payments beyond that grace period can result in your policy being suspended or canceled, leaving your home unprotected.

When something happens to your home, you need to report it to us as soon as possible. Quick reporting helps us start the claims process faster and prevents further damage from getting worse.

You'll need to provide documentation like photos, receipts, and police reports if applicable. Our claims team will guide you through what's needed, and we aim to process everything as efficiently as possible so you can get back to normal life.

You can cancel your policy at any time by contacting us directly. Depending on when you cancel, you may be eligible for a refund of unused premiums, minus any administrative fees.

We can also cancel your policy under certain circumstances, such as non-payment, fraud, or if your property becomes uninsurable. If that happens, we'll give you advance notice so you have time to find replacement coverage.

We review these terms regularly and may update them to reflect changes in our services or legal requirements. When we make significant changes, we'll notify you by email or through a notice on our website.

Continuing to use our services after changes take effect means you accept the new terms. If you disagree with updates, you can cancel your policy without penalty within thirty days of being notified.