Terms and Conditions

Effective 08/01/2026. Last updated 08/13/2026.

Agreement to these terms

These Terms and Conditions ("Terms") govern your access to and use of the websites, mobile websites, applications, customer portals, quoting tools, payment services, communications, and other online services operated by or on behalf of Monster Insurance Services, LLC ("Insurance Monster," "we," "us," or "our") (collectively, the "Services").

Please read these Terms carefully. By accessing or using the Services, creating an account, requesting a quote, submitting an insurance application, making a payment, or otherwise using the Services, you agree to these Terms.

Certain activities may be subject to additional agreements, disclosures, authorizations, or terms presented to you at the time of the transaction. Those additional terms are incorporated into these Terms by reference. If additional transaction-specific terms conflict with these Terms, the transaction-specific terms will control with respect to that transaction.

Related agreements

Some transactions are also governed by additional agreements presented at the time. Those documents are part of these Terms:

• Electronic Communications and Electronic Signature Consent - how we deliver documents and how electronic signatures work
• Automatic Payment Authorization - the recurring-payment authorization you give when you enroll in AutoPay
• Privacy Policy - what we collect and how it is used

1. About Insurance Monster

Insurance Monster is an insurance agency and producer. Insurance products made available through the Services are issued and underwritten by third-party insurance companies unless expressly stated otherwise.

Insurance Monster is not the insurance company responsible for paying claims or performing the obligations contained in an insurance policy unless expressly identified as such in the applicable policy documents.

Insurance products and services are available only in jurisdictions where Insurance Monster and the applicable insurance company are properly licensed or otherwise authorized to transact insurance.

Licensing information may be provided on our website or upon request.

Availability of a particular insurance product, insurance company, coverage, discount, payment option, or service may vary by state and customer eligibility.

2. Insurance policies control

Descriptions of insurance products, coverage, limits, deductibles, discounts, benefits, exclusions, or pricing appearing on the Services are provided for general informational purposes.

Your actual insurance coverage is governed exclusively by the insurance policy, declarations page, endorsements, applications, notices, and other documents issued or approved by the applicable insurance company.

If anything appearing on the Services conflicts with the terms of an insurance policy, the insurance policy will control.

Nothing on the Services modifies, expands, restricts, or creates insurance coverage unless expressly reflected in a policy, endorsement, binder, or other coverage document issued by an authorized insurer or its authorized representative.

3. Quotes are not insurance coverage

Insurance quotes provided through the Services are based on information available at the time the quote is generated and may be estimates.

Unless expressly identified as a binder or confirmation of coverage issued by an authorized party, a quote:

• is not an insurance policy
• is not a binder of insurance
• does not guarantee eligibility
• does not guarantee a particular premium
• does not obligate an insurance company to issue coverage
• does not establish that coverage is in effect

Quotes may change as additional information is obtained, underwriting is completed, reports are received, discounts or eligibility are verified, or information is corrected.

You should not cancel existing insurance or assume that new insurance is in force until you have received confirmation that coverage has been bound or issued.

4. Information you provide

You agree to provide complete, current, and accurate information when using the Services, including when requesting a quote, applying for insurance, making a policy change, communicating with us, or making a payment.

Insurance companies may rely on information you provide in determining eligibility, rates, coverage, and other underwriting matters.

You are responsible for reviewing applications, quotations, coverage selections, policy information, and other documents for accuracy.

If information you previously provided changes or you discover an error, you agree to notify Insurance Monster promptly.

Providing materially false, incomplete, or misleading information may result in a change in premium, denial of coverage, rescission, cancellation, nonrenewal, denial of a claim, or other consequences permitted by the applicable policy and law.

5. Authority to act

By submitting information or completing a transaction through the Services, you represent that:

• you are legally capable of entering into the transaction
• the information you submit is truthful and accurate to the best of your knowledge
• you are authorized to act for yourself and, where applicable, for the person, household, organization, or business for which you are requesting insurance
• you have authorization to use any payment method you provide

You may not impersonate another person or conduct an insurance transaction on another person's behalf without appropriate authority.

6. Accounts and account security

Some Services may require an online account.

You are responsible for maintaining the confidentiality of your username, password, authentication codes, and other account credentials.

You agree to notify us promptly if you believe your account has been compromised or accessed without authorization.

You are responsible for activity conducted through your account to the extent permitted by applicable law.

We may suspend, restrict, or terminate access to an account if we reasonably believe that the account has been compromised, is being misused, presents a security risk, or is being used in violation of these Terms or applicable law.

7. Electronic signatures and electronic communications

The Services may allow you to conduct insurance transactions electronically, including signing applications, authorizations, acknowledgments, or other documents.

When required, you may be presented with a separate Electronic Communications and Electronic Signature Consent.

By electronically signing a document, clicking an appropriately labeled acceptance button, checking an acceptance box, entering an authentication code, or taking another action identified as constituting an electronic signature, you intend your electronic action to have the same legal effect as a handwritten signature to the extent permitted by law.

Certain insurance documents and legally required notices may be delivered electronically only after you provide any consent required by applicable law.

You are responsible for keeping your email address, telephone number, mailing address, and other contact information current.

8. One-time payments

When you submit a one-time payment through the Services, you authorize Insurance Monster, the applicable insurance company, and/or our designated payment processor, as applicable, to charge or debit the payment method you select for the amount disclosed to you at the time of the transaction.

Payment methods may include credit card, debit card, ACH or electronic bank transfer, or other methods we make available.

Submitting a payment does not itself guarantee that an insurance policy is active or that coverage has been bound, reinstated, renewed, or continued.

A payment is considered completed only when it is successfully processed and accepted in accordance with the requirements of the applicable insurer and applicable law.

9. Automatic and recurring payments

If you elect automatic or recurring payments ("AutoPay"), you will be provided with or agree to a separate AutoPay authorization or equivalent recurring-payment disclosure.

Your AutoPay authorization may permit recurring charges or debits for amounts due in connection with an insurance policy, including scheduled premium installments, changes in premium resulting from policy changes, renewals, audits, fees where permitted, taxes, assessments, or other amounts disclosed in connection with your insurance account.

The amount of an automatic payment may therefore differ from prior payments.

Where applicable law requires advance notice of a change in the amount or date of a recurring electronic payment, the required notice will be provided.

An insurance company may administer AutoPay directly. If so, the insurance company's AutoPay terms and payment practices may also apply.

You are responsible for maintaining a valid payment method and sufficient funds or available credit.

You may revoke or discontinue AutoPay using the methods disclosed with your AutoPay authorization, subject to reasonable processing time and applicable law.

Canceling AutoPay does not cancel your insurance policy. If you disable AutoPay, you remain responsible for paying all premiums and other amounts when due using another available payment method.

Likewise, merely blocking a charge, stopping payment through your bank, replacing a payment card, disputing a transaction, or removing a payment method is not a valid request to cancel an insurance policy.

Insurance cancellation must be requested and processed in accordance with the applicable insurance policy and law.

10. Failed and returned payments

Payments may fail because of insufficient funds, expired or invalid payment credentials, fraud controls, payment processor errors, bank restrictions, chargebacks, or other reasons.

If a payment is declined, reversed, returned, or otherwise unsuccessful:

• the underlying amount remains due
• we or the applicable insurer may attempt to notify you
• another payment attempt may be made if permitted by your payment authorization and applicable law
• a returned-payment or similar fee may apply if separately disclosed and permitted by law
• the applicable insurer may take action permitted under your insurance policy and applicable law, including issuing a cancellation notice for nonpayment

Insurance Monster does not guarantee that a notification concerning a failed payment will reach you before an insurance payment deadline.

You remain responsible for monitoring your policy and payment status.

11. Payment processors

Payments may be processed by third-party payment processors, financial institutions, card networks, insurance companies, or technology providers.

When you provide payment information, that information may be transmitted to and processed by those parties for purposes of completing the transaction, preventing fraud, maintaining payment credentials, handling refunds, and performing related payment services.

Your use of certain payment methods may also be subject to terms imposed by your financial institution, card issuer, payment processor, or insurance company.

12. Payment method updates

Where supported by our payment providers and permitted by law, updated payment-card information supplied through card-network account-updater services may be used to help keep an authorized recurring payment method current.

You remain responsible for keeping your payment information accurate and may change or remove eligible payment methods through the available account or customer-service options.

13. Premiums, taxes, fees, and other charges

Insurance premiums are determined by the applicable insurance company.

Premiums may change as permitted by the policy and applicable insurance law, including because of:

• policy changes
• changes in drivers, vehicles, properties, locations, or exposures
• changes in coverage or deductibles
• underwriting information
• renewal rates
• audits
• changes in discounts or eligibility
• taxes, assessments, or regulatory charges
• other rating factors permitted by law

Insurance Monster may charge agency, service, convenience, or other fees only where separately disclosed and permitted by applicable law.

Unless otherwise stated, fees charged by Insurance Monster are separate from insurance premium.

14. Renewals

Insurance policies may be offered for renewal by the applicable insurance company.

A renewal is subject to the insurer's underwriting requirements, rates, policy terms, applicable law, and any required payment.

A renewal premium may be different from the premium charged during the previous policy term.

If you have authorized recurring payments that extend to policy renewals, the payment method on file may be charged for the renewal premium in accordance with your AutoPay authorization and applicable law.

Nothing in the Services guarantees that an insurance company will renew a policy.

15. Policy changes

Requests submitted through the Services to add, remove, or change coverage are not necessarily effective immediately.

A requested policy change is effective only when accepted and processed by the applicable insurance company or an authorized representative and made effective as shown in the resulting policy documentation.

Do not assume that a requested change is effective until you receive confirmation.

16. Cancellations and nonrenewals

Insurance policies are subject to cancellation and nonrenewal provisions contained in the policy and applicable law.

If you wish to cancel insurance coverage, follow the cancellation procedures provided by Insurance Monster or the applicable insurance company.

Submitting a cancellation request does not necessarily cause cancellation to become effective immediately.

Cancellation may be subject to an effective date, documentation requirements, premium calculations, minimum earned premiums where permitted, or other requirements.

Stopping or failing to make payment is not a substitute for properly requesting cancellation and may result in a lapse in insurance coverage.

You should obtain replacement insurance before canceling existing coverage when continuous insurance protection is needed.

17. Refunds and return premium

Any premium refund or return premium resulting from a cancellation, policy change, overpayment, or other adjustment will be calculated in accordance with the applicable insurance policy, insurer practices, and applicable law.

Where Insurance Monster processes a refund, we may return funds to the original payment method unless another method is required or permitted.

Processing times may vary based on the insurance company, payment processor, card network, financial institution, and applicable law.

Fees charged separately by Insurance Monster may be nonrefundable where disclosed and permitted by law.

18. Claims

Claims are determined under the terms, conditions, exclusions, limits, and endorsements of the applicable insurance policy.

Insurance Monster may assist you with contacting an insurer or submitting information concerning a claim, but the applicable insurance company is responsible for determining coverage and adjusting and paying claims unless otherwise stated.

Information appearing on the Services does not constitute a determination that a particular loss is or is not covered.

For an urgent claim or loss, follow the claims instructions contained in your insurance policy or contact the applicable insurance company.

19. Third-party insurance companies and services

The Services may display or provide access to products and services offered by insurance companies and other third parties.

Insurance Monster does not control all third-party systems, underwriting decisions, pricing, policy forms, claims determinations, or service availability.

Third-party products and services may be subject to separate terms, privacy policies, underwriting rules, and other requirements.

Links to third-party websites are provided for convenience and do not necessarily constitute an endorsement of all information, products, or services available through those websites.

20. General website information is not individualized advice

Educational materials, articles, calculators, FAQs, coverage summaries, examples, artificial-intelligence-generated responses, and other general information appearing on the Services are provided for informational purposes.

They are not a substitute for reviewing your actual insurance policy or discussing your individual insurance needs with an appropriately licensed insurance professional.

Recommendations concerning particular insurance coverage should be evaluated in light of your individual circumstances.

21. Cookies and similar technologies

The Services may use cookies, pixels, software development kits, local storage, and similar technologies.

These technologies may be used for purposes including:

• operating and securing the Services
• authenticating users
• remembering preferences
• maintaining sessions and shopping or quoting activity
• detecting fraud
• measuring website performance
• understanding how visitors use the Services
• improving our products and Services
• measuring advertising effectiveness
• providing or measuring advertising where permitted

Some cookies are necessary for the Services to operate. Other cookies or tracking technologies may be optional depending on applicable law and your location.

Additional information regarding our collection and use of personal information and your available privacy choices is provided in our Privacy Policy and, where applicable, Cookie Notice.

Where available, you may use our cookie-preference tool to manage optional cookies. Browser settings may also allow you to block or delete cookies, although doing so may affect certain functionality.

22. Privacy

Your use of the Services is also subject to our Privacy Policy and any applicable insurance privacy notices provided to you.

Those notices explain the categories of information we collect, how information is used and disclosed, how information is protected, and privacy choices or rights that may be available to you.

If a specific insurance company obtains information from you in connection with a quote, application, policy, or claim, that company's privacy practices may also apply.

23. Telephone, text, and email communications

We may use the contact information you provide to send transactional communications concerning your quote, application, policy, account, payment, renewal, claim, or other requested services.

Examples include authentication codes, payment notices, policy reminders, documents, customer-service messages, and security alerts.

Consent to receive marketing communications will be obtained separately where required.

You may opt out of marketing text messages using the opt-out instructions contained in the message, such as replying STOP, where applicable.

Opting out of marketing communications does not necessarily stop nonmarketing communications relating to an existing insurance transaction, account, or policy where those communications are otherwise permitted by law.

Message and data rates may apply.

24. Intellectual property

The Services and their content, including software, text, graphics, designs, logos, trademarks, photographs, videos, interfaces, databases, and other materials, are owned by or licensed to Insurance Monster and are protected by applicable intellectual-property laws.

Subject to these Terms, Insurance Monster grants you a limited, personal, revocable, nonexclusive, nontransferable right to access and use the Services for lawful personal or internal business insurance purposes.

No ownership rights are transferred to you.

25. Prohibited uses

You may not:

• use the Services for unlawful, fraudulent, deceptive, or abusive purposes
• attempt to gain unauthorized access to any account, system, or network
• interfere with the operation or security of the Services
• introduce malware, viruses, harmful code, or automated attacks
• scrape, harvest, crawl, or systematically extract information except as expressly authorized
• reverse engineer or attempt to obtain source code except where such restriction is prohibited by law
• impersonate another person
• submit information without appropriate authority
• use the Services to violate another person's intellectual-property, privacy, or other rights
• circumvent security, access, or rate-limiting measures
• use bots or automated systems in a manner that materially burdens or disrupts the Services

26. User-submitted materials

If you upload documents, photographs, messages, or other materials to the Services, you represent that you have authority to provide them.

You grant Insurance Monster and its service providers permission to use, reproduce, transmit, store, and process those materials as reasonably necessary to provide insurance and related services, operate the Services, comply with law, prevent fraud, and perform other purposes described in our Privacy Policy.

This provision does not authorize use of personal information in a manner inconsistent with applicable privacy law or our applicable privacy notices.

27. Service availability

We attempt to make the Services reliable and available, but we do not guarantee uninterrupted or error-free operation.

Services may be unavailable because of maintenance, outages, telecommunications failures, cybersecurity events, third-party failures, natural disasters, or other circumstances.

If a transaction is time-sensitive - including a premium payment, request to bind insurance, or policy change - you are responsible for confirming that the transaction was successfully completed.

28. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND GENERAL WEBSITE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

INSURANCE MONSTER DISCLAIMS WARRANTIES CONCERNING THE OPERATION OR AVAILABILITY OF THE SERVICES EXCEPT TO THE EXTENT SUCH WARRANTIES CANNOT LAWFULLY BE DISCLAIMED.

THIS DISCLAIMER DOES NOT ALTER OR LIMIT ANY OBLIGATION ARISING UNDER AN INSURANCE POLICY OR ANY RIGHT THAT CANNOT BE WAIVED UNDER APPLICABLE LAW.

29. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INSURANCE MONSTER AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING SOLELY FROM YOUR USE OF OR INABILITY TO USE THE SERVICES.

THE FOREGOING LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW AND DO NOT ALTER THE RIGHTS OR OBLIGATIONS CREATED BY AN INSURANCE POLICY.

30. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold Insurance Monster and its affiliates, officers, employees, and service providers harmless from third-party claims arising from your unlawful misuse of the Services, your material violation of these Terms, or your infringement of another person's rights.

This provision does not require you to indemnify Insurance Monster for Insurance Monster's own negligence, unlawful conduct, or other liability to the extent such indemnification is prohibited by law.

31. Governing law

Except where applicable consumer or insurance law requires otherwise, these Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

Any dispute concerning an insurance policy remains subject to any governing-law, jurisdiction, dispute-resolution, appraisal, arbitration, or other provisions contained in that policy and applicable law.

32. Changes to these terms

We may update these Terms from time to time.

When we make changes, we will post the updated Terms and revise the "Last Updated" date.

Where applicable law requires additional notice or consent for a material change, we will provide that notice or obtain that consent.

Changes to these Terms do not retroactively modify the terms of an insurance policy.

33. Suspension or termination of online services

We may suspend or terminate your access to the Services where reasonably necessary for security, fraud prevention, violation of these Terms, legal compliance, system protection, or discontinuation of a Service.

Termination of access to an online account does not itself cancel an insurance policy.

Existing insurance policies remain governed by their terms unless separately canceled, expired, or nonrenewed.

34. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by law or severed to the extent necessary, and the remaining provisions will continue in effect.

35. No waiver

Failure by Insurance Monster to enforce a provision of these Terms on one occasion does not waive our right to enforce that provision or another provision in the future.

36. Assignment

You may not assign your rights or obligations under these Terms without our prior written consent.

Insurance Monster may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, or similar business transaction, subject to applicable law.

37. Entire agreement

These Terms, together with applicable transaction-specific agreements, insurance applications, payment authorizations, electronic-consent agreements, privacy notices, and other terms presented to you, constitute the agreement governing your use of the Services.

An insurance policy remains a separate contract between the insured and the applicable insurance company.

38. Contact us

Questions regarding these Terms may be directed to Monster Insurance Services, LLC at hello@insurancemonster.com or (916) 469-5253.

For questions concerning a specific insurance policy or claim, please include sufficient information for us to identify the applicable account or policy without transmitting sensitive information through an insecure communication channel.