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Terms & Conditions

The rules for using insuranceadvisorhub.online and our quote comparison service.

Effective date: October 3, 2026

These Terms & Conditions ("Terms") govern your use of insuranceadvisorhub.online (the "Site") and the services offered by Insurance Advisor Hub ("we," "us," or "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Our service

Insurance Advisor Hub is an independent insurance quote comparison and referral platform. We help consumers find and connect with licensed insurance agents, agencies, and carriers. We are not an insurance company, we do not provide insurance advice, and we do not sell, solicit, negotiate, bind, or underwrite insurance policies.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use the Site and submit a quote request.

3. Information you provide

You agree that all information you submit is accurate, complete, and your own. You may not submit information about another person without their permission. Inaccurate information may affect the quotes you receive.

4. Consent to be contacted

By submitting a form or calling us, you give express written consent for Insurance Advisor Hub and its partner agents, carriers, and marketing partners to contact you at the phone number and email you provided, including by autodialed or prerecorded calls and text messages, even if your number is on a Do Not Call registry. Consent is not a condition of purchase. Message and data rates may apply. You may revoke consent at any time by replying STOP to texts or emailing privacy@insuranceadvisorhub.online.

5. Quotes and rates

Quotes, rates, and coverage information are provided by third-party insurers and agents. They are estimates only, may not reflect real-time pricing, and are subject to underwriting, eligibility, and state availability. We do not guarantee that you will receive a quote, a specific rate, or coverage.

6. Third-party providers

Any policy you purchase is a contract between you and the insurance carrier. We are not a party to that contract and are not responsible for the products, services, claims handling, pricing, or conduct of any carrier, agent, or partner.

7. Compensation

Our service is free to consumers. We may receive compensation from insurance carriers, agents, or partners when you connect with them. See our Disclaimer for details.

8. Acceptable use

You agree not to:

9. Intellectual property

The Site's content, design, logos, and text are owned by Insurance Advisor Hub or its licensors and are protected by law. Third-party trademarks and company names belong to their respective owners and are used for identification only.

10. Disclaimer of warranties

The Site and services are provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

11. Limitation of liability

To the fullest extent permitted by law, Insurance Advisor Hub will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or coverage arising from your use of the Site or any third-party product or service.

12. Indemnification

You agree to indemnify and hold harmless Insurance Advisor Hub and its owners, employees, and partners from any claims, losses, or expenses arising from your use of the Site or violation of these Terms.

13. Governing law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in New Jersey, unless otherwise required by law.

14. Changes to these Terms

We may update these Terms at any time by posting a revised version on this page. Continued use of the Site after changes means you accept the updated Terms.

15. Contact us

Insurance Advisor Hub
386 Spring Ave, Ridgewood, NJ 07450, USA
Email: info@insuranceadvisorhub.online
Phone: (866) 859-0614