Terms of Use | CoverCalc

Use of this site

CoverCalc provides a free calculator for informational purposes only. Results depend entirely on the numbers you enter and on assumptions described on each page.

Who these terms cover

These terms apply to every visitor who uses this site, whether they arrive from a search engine, a bookmarked link or a shared link. By opening any page you agree to them, so please read them once before relying on the calculator.

No insurance sales

CoverCalc is not an insurance producer, agent or broker. We do not sell policies, do not quote premiums and do not refer you to any insurance company. Nothing on this site is an offer to sell insurance.

No financial advice

The results are arithmetic, not advice. Before purchasing coverage, discuss your needs with a licensed insurance agent or financial advisor. Relying on a calculator alone is risky.

Accuracy

We aim for accurate figures and cite public data sources where numbers are used. Data such as state median income and mortgage balances come from public estimates and may change. We are not responsible for decisions made using this site.

Intellectual property

The layout, text and calculator design on this site belong to CoverCalc and may not be copied in bulk for competing sites. You may share links and quote short passages with attribution.

Third-party links

This site may link to public resources such as government agencies and industry opt-out pages. We do not control those sites and are not responsible for their content or privacy practices. Opening those links takes you to pages outside this site and outside these terms.

Limitation of liability

The site is provided as-is without warranty of any kind. To the fullest extent permitted by law, we are not liable for any loss arising from use of this site or reliance on its results, including lost income, missed deadlines or decisions about insurance purchases.

Changes to these terms

We may revise these terms from time to time. Continued use of the site after changes are posted means you accept the revised terms.

Severability

If any part of these terms is found unenforceable, the remaining parts stay in force. A waiver of one breach does not waive later breaches. The headings in these terms are for convenience only and do not affect their meaning.

Governing law

These terms are governed by the laws applicable in the jurisdiction where the site operator is based, without regard to conflict-of-law rules.

Contact

Questions about these terms can be sent to the address on the Contact page.