Terms and Conditions

Welcome to Londen Insurance. These Terms and Conditions govern your access to and use of our website, services, and home insurance products. By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website or services.

Londen Insurance provides home insurance services designed to help homeowners protect their property, personal belongings, and liability. Our services include online quote requests for home insurance coverage, access to policy information and documentation, claims submission and tracking, and customer support with policy management tools. You may use our services only for lawful purposes and in accordance with these Terms and Conditions.

You agree not to use our services in any way that violates any applicable federal, state, or local law or regulation, to transmit any material that is fraudulent, misleading, or inaccurate, to impersonate or attempt to impersonate Londen Insurance, our employees, or another user, or to interfere with or disrupt the integrity or performance of our website or services. We reserve the right to modify these terms at any time, and your continued use of our services after such changes constitutes your acceptance of the new terms.

To use our home insurance services, you must be at least eighteen years of age or the age of legal majority in your jurisdiction. You must have the legal authority to enter into a binding contract, own or have an insurable interest in the property for which you are seeking coverage, and reside in a location where we are licensed to provide home insurance services. You must provide accurate and complete information when requesting a quote or purchasing a policy. By using our services, you represent and warrant that you meet all of the eligibility requirements.

You agree to provide accurate, current, and complete information when requesting a quote, purchasing a policy, or filing a claim. Providing false or misleading information may result in denial of coverage, cancellation of your policy, or denial of claims. If you create an account on our website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

You agree to comply with all terms and conditions outlined in your home insurance policy, including timely payment of premiums, maintenance of your property, and notification of changes that may affect your coverage. You may not use our services to engage in submitting fraudulent claims or misrepresenting facts to obtain coverage, using automated systems or software to extract data from our website, attempting to gain unauthorized access to our systems or networks, or distributing viruses, malware, or other harmful code.

We strive to maintain continuous availability of our website and services, but we do not guarantee that our services will be uninterrupted, secure, or error-free. We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice. Our website and services are provided on an as-is and as-available basis without any warranties of any kind, either express or implied. We do not warrant that our website will be free from errors, viruses, or other harmful components.

To the fullest extent permitted by law, Londen Insurance and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services, even if we have been advised of the possibility of such damages. You agree to indemnify, defend, and hold harmless Londen Insurance and its affiliates from any claims, liabilities, damages, losses, and expenses arising out of your use of our services, your violation of these Terms and Conditions, or your violation of any rights of another party.

These terms are governed by the laws of the Commonwealth of Kentucky and the United States. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts located in Louisville, Kentucky. If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

We may update these Terms and Conditions from time to time to reflect changes in our services or legal requirements. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of our services after any modifications indicates your acceptance of the updated terms. We encourage you to review these terms periodically to stay informed about your rights and obligations.