Understanding the agreement between QSIns and our valued customers
These Terms and Conditions represent a binding legal agreement between you and QSIns regarding your use of our website, services, and insurance products. By accessing our website, requesting a quote, purchasing a policy, or otherwise engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these terms in their entirety. If you do not agree with any part of these terms, you should discontinue use of our services immediately and refrain from purchasing any insurance products from us.
Our relationship with you is built on mutual understanding and clear expectations. These terms establish the framework for how we conduct business, what you can expect from us, and what we require from you as a customer. They complement but do not replace the specific terms outlined in your insurance policy documents, which contain detailed information about your coverage, exclusions, and obligations. When there is any conflict between these general terms and your specific policy terms, the policy terms take precedence regarding matters of insurance coverage.
We periodically review and update these terms to reflect changes in our business practices, legal requirements, or service offerings. Your continued use of our services after changes are posted indicates your acceptance of the modified terms. We encourage you to review these terms regularly to stay informed about the conditions governing your use of our services and your rights and responsibilities as a QSIns customer.
To purchase home insurance from QSIns, you must be at least eighteen years of age and have the legal capacity to enter into binding contracts under applicable law. You must provide accurate, complete, and current information during the application process, including details about your property, your insurance history, and your personal circumstances that affect coverage. Misrepresentation or omission of material facts during the application process may result in denial of coverage, cancellation of your policy, or denial of claims, even if the misrepresentation was unintentional.
When you create an account on our website, 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 if you suspect any unauthorized use of your account or any breach of security. We reserve the right to suspend or terminate accounts that violate these terms or that we suspect are being used for fraudulent purposes. Your account credentials are personal to you and should not be shared with others, including family members or business associates.
If you are applying for insurance on behalf of another person or entity, you represent and warrant that you have the legal authority to do so and that the person or entity will be bound by these terms. This includes situations where you are acting as an agent, trustee, executor, or in any other representative capacity. You agree to indemnify QSIns against any claims or liabilities arising from your lack of authority to act on behalf of another party.
The insurance coverage you purchase from QSIns is governed by the specific policy documents issued to you, which include the declarations page, policy form, endorsements, and any applicable exclusions or limitations. These policy documents constitute the entire agreement between you and QSIns regarding your insurance coverage and supersede any oral or written representations made during the sales process. It is your responsibility to review your policy documents carefully upon receipt and to contact us immediately if you have questions or believe there are errors.
Coverage under your policy typically begins on the effective date specified in your policy documents, provided that all required premiums have been paid. Your policy will continue in force for the policy period indicated, subject to timely payment of premiums and compliance with all policy terms and conditions. Failure to pay premiums when due may result in cancellation of your coverage after appropriate notice as required by law. We will send renewal notices before your policy expires, but it is ultimately your responsibility to ensure continuous coverage by renewing your policy or obtaining alternative insurance.
All insurance policies contain exclusions and limitations that specify what is not covered. Common exclusions include damage from floods, earthquakes, normal wear and tear, intentional acts, and certain business activities. Your policy documents clearly outline these exclusions, and it is crucial that you understand what is and is not covered under your policy. If you need coverage for risks that are excluded under your standard policy, we offer additional coverage options and endorsements that can extend your protection. We encourage you to discuss your specific needs with our agents to ensure you have appropriate coverage for all your risks.
Insurance premiums are determined based on numerous factors including your property characteristics, location, claims history, coverage limits, deductibles, and applicable discounts. The premium amount and payment schedule are specified in your policy documents and may be subject to change at renewal based on changes in risk factors, claims experience, or regulatory requirements. You agree to pay all premiums when due according to the payment plan you have selected, whether that be annual, semi-annual, quarterly, or monthly payments.
We offer several convenient payment methods including automatic bank transfers, credit card payments, debit card payments, and electronic checks. If you choose automatic payment, you authorize us to charge your designated payment method on the scheduled payment dates. You are responsible for ensuring that sufficient funds are available for automatic payments and for updating your payment information if your bank account or credit card changes. Returned payments due to insufficient funds or invalid payment information may result in fees and could lead to cancellation of your policy if not promptly resolved.
If you experience financial hardship and are unable to make premium payments when due, contact us immediately to discuss potential options. In some cases, we may be able to work with you on payment arrangements, though we are not obligated to do so. Cancellation of your policy for non-payment will leave you without insurance coverage and may result in difficulties obtaining coverage elsewhere, as insurance companies consider payment history when evaluating applications. Maintaining continuous coverage is important not only for protecting your property but also for qualifying for better rates with insurers.
When you experience a loss covered by your policy, you must notify us as soon as reasonably possible. Prompt reporting is essential for effective claims handling and helps prevent further damage to your property. You can report claims through multiple channels including our website, phone, or by contacting your agent. When reporting a claim, provide as much detail as possible about the incident, including the date, time, cause of loss, and extent of damage. Documentation is crucial to the claims process, so take photographs of the damage, save receipts for any emergency repairs or additional expenses, and maintain records of your damaged property.
After you report a claim, we will assign a claims adjuster who will investigate the loss, assess the damage, and determine coverage under your policy. You have a duty to cooperate fully with our investigation, which may include providing access to your property, submitting to examinations under oath, and providing requested documentation. You must take reasonable steps to protect your property from further damage after a loss occurs. This might include covering damaged roofs, boarding up broken windows, or turning off water in case of plumbing leaks. Costs for these reasonable protective measures are typically covered under your policy, so save all receipts.
The claims process concludes with a determination of coverage and, if the claim is covered, payment of benefits according to your policy terms. Payment amounts are based on the actual cash value or replacement cost of your property as specified in your policy, less any applicable deductible. If you disagree with our coverage determination or settlement offer, your policy outlines dispute resolution procedures which may include mediation, arbitration, or legal action. We strive to handle all claims fairly and efficiently, but we must balance our obligation to you with our duty to all policyholders to prevent fraud and pay only valid claims according to policy terms.
Either you or QSIns may cancel your insurance policy subject to the notice requirements and conditions specified in your policy and applicable state law. If you choose to cancel your policy, you should notify us in writing of your intent to cancel and the desired cancellation date. You will typically receive a prorated refund of any unearned premium, though we may apply a short-rate cancellation penalty depending on your state's regulations and your policy terms. It is important not to cancel your policy until you have secured alternative coverage to avoid any gap in protection.
QSIns may cancel your policy for certain reasons permitted by law and your policy terms, such as non-payment of premiums, material misrepresentation in your application, substantial change in risk that we cannot accept, or your failure to comply with policy conditions. When we initiate cancellation, we will provide you with advance written notice as required by state law, giving you time to find alternative coverage. The notice will specify the reason for cancellation and the effective date. In some states, our ability to cancel policies is restricted after the policy has been in effect for a certain period, except for specified reasons like fraud or non-payment.
Non-renewal is different from cancellation in that it occurs at the end of your policy period rather than mid-term. We may choose not to renew your policy for various business reasons, though we will provide advance notice as required by law. Common reasons for non-renewal include claims history, changes in our underwriting guidelines, withdrawal from certain markets, or significant changes in the risk profile of your property. If your policy is not renewed, you should begin shopping for alternative coverage well before your policy expires to ensure you maintain continuous protection. Gaps in coverage can lead to higher premiums with new insurers and leave you vulnerable to uninsured losses.
In the event of any dispute arising from these terms or your insurance policy, we encourage you to first contact our customer service department to seek an informal resolution. Many disagreements can be resolved through open communication and good-faith efforts to understand each party's perspective. If informal resolution is unsuccessful, your policy may require or permit alternative dispute resolution methods such as mediation or arbitration before litigation. These alternative methods can often resolve disputes more quickly and cost-effectively than court proceedings while still providing a fair hearing for both parties.
Any legal action arising from your policy or these terms must be brought within the time limits specified in your policy documents or applicable law, whichever is shorter. These limitations periods typically begin to run from the date of loss or denial of a claim, not from the date you discover the loss. Failure to file suit within the specified time period may result in permanent loss of your right to pursue the claim. Your policy also specifies the proper venue for any legal action and may require that disputes be resolved in a specific jurisdiction.
These terms and your insurance policy are governed by the laws of the state where your insured property is located, except where federal law applies. Different states have varying insurance regulations and consumer protection laws that may affect your rights and our obligations. We comply with all applicable state insurance laws and regulations in the states where we operate. If any provision of these terms is found to be unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect. Our failure to enforce any provision of these terms on one occasion does not constitute a waiver of our right to enforce that provision in the future.
Our website is provided as a convenience to help you learn about our services, obtain quotes, manage your policies, and file claims. While we strive to ensure that information on our website is accurate and up-to-date, the website is provided for informational purposes only and does not constitute an offer of insurance or a binding contract. Any quotes generated through our website are estimates only and may change based on additional information or underwriting review. The final terms of your coverage are specified in your policy documents, not on our website.
You agree not to use our website for any unlawful purpose or in any way that could damage, disable, overburden, or impair our systems. Prohibited activities include attempting to gain unauthorized access to our systems, interfering with other users' access to the website, transmitting viruses or malicious code, scraping or harvesting data from our website, or using automated systems to access our website except as explicitly permitted. We employ security measures to protect our systems and user data, but you also have a responsibility to use our website appropriately and securely.
All content on our website, including text, graphics, logos, images, and software, is the property of QSIns or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may view and print content from our website for your personal, non-commercial use, but you may not reproduce, distribute, modify, or create derivative works from our content without our express written permission. Our trademarks and service marks may not be used in connection with any product or service that is not ours in any manner that might cause confusion or disparage QSIns.
If you have questions or need clarification about any of these terms and conditions, our team is here to help. Contact us and we'll provide the information you need.
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