Terms and Conditions

Effective Date: January 1, 2026

1. Acceptance of Terms

By accessing or using RentersInsuranceCalc.com (the "Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use the Site.

2. Description of Service

RentersInsuranceCalc.com provides free online calculators and tools to help users estimate renters insurance premiums and coverage needs. All calculations are estimates only and do not constitute insurance advice or a binding quote.

3. Disclaimer of Warranties

The Site and all its content are provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, including but not limited to:

• The accuracy, completeness, or reliability of any calculations or estimates
• The availability or uninterrupted operation of the Site
• The accuracy of any third-party links or content

4. Limitation of Liability

In no event shall RentersInsuranceCalc.com, its owners, or its affiliates be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to your use of the Site.

This includes, but is not limited to:

• Reliance on calculator estimates
• Errors in calculations
• Decisions made based on Site content
• Any technical issues or downtime

5. No Insurance Advice

The calculators, tools, and content on this Site are for informational purposes only and do not constitute insurance advice, legal advice, or professional recommendations. You should consult with a licensed insurance agent or broker before purchasing any insurance policy.

6. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, icons, images, and software, is the property of RentersInsuranceCalc.com and is protected by United States copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without express written permission
• Use any robot, spider, or other automated device to access the Site
• Modify, adapt, or hack the Site

7. User Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Interfere with or disrupt the Site or its servers
• Use the Site to transmit any viruses, malware, or harmful code

8. Third-Party Links

The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content, privacy policies, or practices of any third-party websites. We do not endorse or assume any responsibility for any third-party websites.

9. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which can be found at privacy.html. By using the Site, you consent to the collection and use of your information as described in our Privacy Policy.

10. Changes to Terms

We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

11. Termination

We reserve the right to terminate or suspend your access to the Site at any time, without notice, for any reason, including but not limited to a breach of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms, please contact us at:

Email: 18999737@qq.com

14. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on the Site, constitute the entire agreement between you and RentersInsuranceCalc.com concerning your use of the Site.

Last Updated: January 1, 2026
Next Review: January 1, 2027