Welcome to Choice One Insurance (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website, https://choiceoneinsurance.net (the “Website”), our services, and any communications with us, including SMS, email, and phone communications. By accessing our Website, submitting any forms, or using our services, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use our Website or services.

1. Services Provided

Choice One Insurance is an independent insurance agency that provides information, quotes, and assistance for various insurance products, including but not limited to:

• Auto (Car) Insurance
• Homeowners Insurance
• Flood Insurance
• Disability Insurance
• Airbnb / Short-Term Rental Insurance
• Other personal and commercial insurance products

We act as an intermediary between clients and insurance carriers. Coverage availability, terms, pricing, and approval are determined solely by the insurance carriers and not guaranteed by Choice One Insurance.

2. No Guarantee of Coverage or Rates

Submitting a request, application, or inquiry through our Website does not guarantee coverage, acceptance, or specific pricing. All insurance policies are subject to underwriting guidelines, carrier approval, and payment of required premiums.

3. User Responsibilities

By using our Website or services, you agree to:

• Provide accurate, complete, and truthful information
• Update information as necessary to maintain accuracy
• Use the Website only for lawful purposes
• Not misuse, interfere with, or disrupt the Website or services

Providing false or misleading information may result in denial of service or cancellation of coverage.

4. Consent to Communications (SMS, Email, and Phone)

SMS & Email Opt-In

By submitting any contact form on our Website and checking the opt-in box, you expressly consent to receive communications from Choice One Insurance via:

• SMS / text messages
• Email messages
• Phone calls (including calls using automated technology, where permitted by law)

These communications may include, but are not limited to:

• Insurance quotes and follow-ups
• Policy information and updates
• Appointment reminders
• Customer service messages
• Marketing or promotional content related to our services

Message frequency may vary. Message and data rates may apply.

Opt-Out Instructions

You may opt out of SMS communications at any time by replying STOP to any text message. You may opt out of email communications by clicking the unsubscribe link in any email. Opting out of communications does not affect existing or pending insurance policies.

5. No Professional or Legal Advice

Information provided on this Website is for general informational purposes only and does not constitute legal, financial, or insurance advice. You should consult directly with a licensed insurance agent or appropriate professional before making coverage decisions.

6. Third-Party Links and Services

Our Website may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of any third-party sites. Accessing third-party links is at your own risk.

7. Intellectual Property

All content on this Website, including text, logos, graphics, images, and design elements, is the property of Choice One Insurance or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or use any content without our prior written consent.

8. Limitation of Liability

To the fullest extent permitted by law, Choice One Insurance shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

• Use or inability to use the Website
• Reliance on information provided on the Website
• Errors, omissions, or delays in services
• Communication failures or delays

9. Indemnification

You agree to indemnify and hold harmless Choice One Insurance, its owners, employees, agents, and affiliates from any claims, damages, liabilities, costs, or expenses arising from your use of the Website, violation of these Terms, or submission of inaccurate information.

10. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our Website, you consent to our data practices as described in the Privacy Policy.

11. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Website constitutes acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

13. Contact Information

If you have any questions regarding these Terms and Conditions, please contact us:

Choice One Insurance
Website: https://choiceoneinsurance.net
Phone: 305-252-1873

These Terms and Conditions are provided for general business use and do not constitute legal advice. You may wish to have this document reviewed by legal counsel to ensure