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Terms & Conditions

Last Updated: January 1, 2026 · Governing Law: Florida

1. Acceptance of Terms

By accessing or using this website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions and our Privacy Policy. If you do not agree with any portion of these terms, please discontinue use of the site immediately. These terms apply to all visitors, users, and anyone who accesses our services.

2. Nature of Our Service

Insurance Package Deals is an independent insurance comparison platform and authorized reseller. We are NOT an insurance company, agency, or underwriter. Specifically:

  • We do not provide insurance advice as defined by applicable insurance laws.
  • We do not bind or issue insurance policies directly.
  • We connect customers with licensed agents and carriers.
  • Final coverage decisions are made exclusively by licensed carriers and agents.
  • We earn a referral fee for connecting you with carriers — our service is completely free.

3. No Insurance Advice

No content on this website constitutes professional insurance advice. All material here is for general informational purposes only and does not represent a recommendation or endorsement of any specific product, carrier, or coverage. Please consult a licensed insurance professional for guidance tailored to your situation.

4. No Liability for Third-Party Carrier Decisions

Insurance Package Deals is not responsible or liable for the decisions third-party carriers make regarding the acceptance, denial, pricing, or terms of any policy. Coverage availability, rates, and terms are determined solely by licensed carriers using their own underwriting criteria. We make no guarantees regarding the availability, suitability, or cost of any insurance product.

5. Intellectual Property

This website and all its original content, features, and functionality belong to Insurance Package Deals and are protected by applicable intellectual property laws. Third-party trademarks displayed here, including Bristol West® and others, remain the property of their respective owners. Their presence does not imply any affiliation or endorsement.

6. Limitation of Liability

To the fullest extent permitted by law, Insurance Package Deals will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this site or our services. Our total liability for any claim related to these terms will not exceed $100.

7. TCPA Consent

By submitting a form or calling us, you explicitly consent to receive phone calls, emails, and text messages from Insurance Package Deals and our network of licensed carriers regarding insurance quotes and coverage — even if your number is listed on a Do Not Call registry. Standard message and data rates may apply. This consent is not required to make a purchase, and you may opt out at any time.

8. Governing Law

These Terms & Conditions are governed by and interpreted in accordance with the laws of the State of Florida, without regard to its conflict-of-law principles. Any dispute arising under these terms falls under the exclusive jurisdiction of the courts in Lee County, Florida.

9. Contact

For questions about these Terms & Conditions, please contact us at:

Insurance Package Deals
2815 NW 17th Ave, Miami Florida, United States
Email: info@insurancepackagedeals.org
Phone: +1 877 470 8976
Hours: Mon–Fri, 8AM–8PM EST