Terms of use
The terms that govern your use of this website.
These terms were last updated in 2026.
Acceptance of these terms
By using this website you agree to these terms. If you do not agree, please do not use the site. InsuranceMonster is an independent California insurance brokerage operated by Michael A. Kassing (CA DOI Lic. #4445775).
Information is general, not a quote or contract
The content on this site is general information about insurance and is not a quote, binder, or contract of insurance. Coverage is subject to carrier underwriting, approval, and the terms, conditions, limits, and exclusions of the issued policy. Nothing here creates coverage or guarantees that any coverage will be available or issued.
No professional advice
Nothing on this site is legal, tax, or financial advice. Insurance needs vary; speak with a licensed agent about your specific situation before making decisions.
Surplus lines and FAIR Plan disclosures
Some coverage described on this site is placed in the surplus lines market with insurers not licensed by the State of California; such coverage is not protected by the California Insurance Guarantee Association. The California FAIR Plan is a basic fire pool and is not a substitute for a full homeowners policy. See our licensing page for full disclosures.
Accuracy and changes
We work to keep information accurate but do not warrant that it is complete, current, or error-free. Insurance laws, carrier appetites, and program details change. We may update this site and these terms at any time.
Limitation of liability
To the extent permitted by law, InsuranceMonster is not liable for any damages arising from your use of, or reliance on, this website. The site is provided on an as-is basis.
Contact us
Questions about these terms can be sent to hello@insurancemonster.com or by calling (800) 555-0100.