Terms of Service

Welcome to Steenland Kacos Insurance Agency. By using our website, you agree to the following terms and conditions. Please read them carefully.

Use of website

You may use our website only for lawful purposes and in accordance with these terms of service. You agree not to use our website:

In any way that violates any applicable federal, state, local, or international law or regulation. To impersonate or attempt to impersonate our company, a company employee, another user, or any other person or entity. To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the website, or which, as determined by us, may harm us or users of the website or expose them to liability.

Intellectual property

The content on our website, including text, graphics, images, and logos, is the property of our company or its content suppliers and is protected by copyright and other intellectual property laws. You may not use, reproduce, or distribute any content from our website without our prior written permission.

Disclaimer of warranties

Our website and its content are provided "as is" without any warranty of any kind, either express or implied. We make no representations or warranties of any kind with respect to our website or its contents. We do not warrant that our website will be error-free, uninterrupted, or free from viruses or other harmful components.

Limitation of liability

In no event shall our company or its affiliates, directors, officers, employees, agents, partners, or suppliers be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with your use of our website.

Indemnification

You agree to indemnify and hold harmless our company, its affiliates, directors, officers, employees, agents, partners, and suppliers from any claim, demand, or damage, including reasonable attorneys' fees, arising out of your use of our website, your violation of these terms of service, or your infringement of any intellectual property or other right of any person or entity.

Changes to terms of service

We reserve the right to modify these terms of service at any time. Any changes will be reflected on this page. Your continued use of our website after such modifications will constitute your acknowledgment of the modified terms of service and your agreement to abide and be bound by the modified terms of service.

Governing law

These terms of service shall be governed by and construed in accordance with the laws of the state in which our company is located, without giving effect to any choice of law or conflict of law provisions.

FAQS

How does auto insurance work?

Auto insurance protects you financially by covering the costs of damage or injuries from a vehicle accident or theft. It is a contract between you and the insurance company, where you agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy.

What is umbrella insurance?

Umbrella insurance provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. It kicks in when the liability on these other policies has been exhausted, offering an extra safety net of protection.

Why do I need liability insurance on my policy?

Liability insurance is critical because it covers legal costs and payouts for which you are found legally responsible. Without it, you could be faced with paying out of pocket for costly damages or medical bills.

How can I save on home insurance?

Maximizing savings on home insurance can be achieved by comparing policies, increasing deductibles, and ensuring your home has up-to-date safety features. Regular reviews of your policy can also uncover other potential savings.

What factors affect my auto insurance rates?

Several factors can affect your rates, including your age, driving history, and the type of vehicle you drive. Rates are also impacted by where you live, as different areas have varying risks of theft and accidents.