Terms of Service

Last updated: January 30, 2025

Please read these Terms of Service ("Terms") carefully before using the ho6-condo.com website and quote comparison services operated by Strassman Insurance Agency ("we," "us," or "our"). By accessing or using our services, you agree to be bound by these Terms.

Service Description

Ho6-condo.com is operated by Strassman Insurance Agency, a licensed insurance agency in the State of Florida. Our website provides:

• Information about HO6 condo insurance coverage options
• A quote request system to collect your information
• Quote comparison services from multiple insurance carriers
• Access to licensed insurance agents who can help you understand your options

Important: Submitting a quote request does not constitute an application for insurance, does not bind coverage, and does not guarantee any specific rates or coverage availability. Insurance coverage is not effective until a policy is issued by a licensed insurance carrier and the required premium is paid.

User Responsibilities

When using our services, you agree to:

• Provide Accurate Information: All information you submit must be truthful, accurate, and complete. Inaccurate information may result in incorrect quotes, policy cancellation, or denial of claims.
• Verify Your Identity: You must be at least 18 years old and have legal authority to request insurance quotes for the property specified.
• Review All Documents: You are responsible for reviewing all quote details, policy documents, and terms before purchasing coverage.
• Maintain Contact Information: You agree to provide a valid email address and phone number where you can be reached regarding your quote.

No Guarantee of Coverage or Rates

Please understand that:

• Quote amounts are estimates based on the information provided and are subject to change upon underwriting review
• Insurance carriers make all final decisions regarding coverage eligibility and premium amounts
• Rates may vary based on additional factors discovered during the underwriting process
• Some properties or applicants may not qualify for coverage with certain carriers
• We do not guarantee that you will receive coverage from any specific carrier or at any specific rate

Relationship with Insurance Carriers

Strassman Insurance Agency acts as an independent insurance agent. We represent you in finding coverage options but also have contractual relationships with insurance carriers. The insurance carriers, not Strassman Insurance Agency, are responsible for:

• Underwriting and issuing policies
• Setting premium rates
• Processing and paying claims
• All policy terms and conditions

Intellectual Property

The content on ho6-condo.com, including text, graphics, logos, images, and software, is the property of Strassman Insurance Agency or its licensors and is protected by copyright and trademark laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding without authorization
• Reverse engineer or attempt to extract source code from our website
• Use automated systems to scrape or collect data from our website

Limitation of Liability

To the maximum extent permitted by law:

• Our services are provided "as is" without warranties of any kind
• We do not guarantee uninterrupted or error-free service
• We are not liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability for any claims arising from these Terms or our services shall not exceed the amount you paid us for services, if any
• We are not responsible for the actions, policies, or practices of any insurance carrier

These limitations do not apply to damages arising from our gross negligence or willful misconduct.

Indemnification

You agree to indemnify and hold harmless Strassman Insurance Agency, its officers, employees, and agents from any claims, damages, losses, or expenses (including attorney fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any inaccurate information you provide

Privacy

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

Electronic Communications

By providing your contact information and consenting to communications, you agree to receive:

• Quote information and policy documents via email
• Phone calls and text messages regarding your quote
• Follow-up communications about your coverage options

You may opt out of marketing communications at any time, but you agree to receive transactional communications related to active quote requests.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

Termination

We may suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Upon termination, your right to use our services will immediately cease.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action arising from these Terms or your use of our services shall be brought exclusively in the state or federal courts located in Seminole County, Florida, and you consent to the personal jurisdiction of such courts.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Strassman Insurance Agency regarding your use of our services and supersede any prior agreements.

Contact Us

If you have questions about these Terms of Service, please contact us: