These Terms of Use ("Terms") govern your use of apinsuranceplans.com (the "Site"), operated by Allied Premium Insurance Plans ("Allied Premium," "we," "us" or "our"). By using the Site, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site.

1. Who we are

Allied Premium is an insurance education and quote-request service. We are not an insurance company and do not underwrite, issue or guarantee insurance policies. Insurance products are offered by licensed insurance carriers through licensed insurance professionals. Products, coverage and availability vary by state and may not be available in all states.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Site or request a quote.

3. Informational content only

Content on the Site, including articles, calculators, examples and rate information, is provided for general educational purposes. It is not insurance, legal, tax, financial or medical advice, and it is not an offer of coverage. Example rates and averages are illustrations only. Actual premiums, eligibility and coverage are determined solely by the insurance carrier after underwriting and are subject to the terms of the policy issued. Consult a licensed professional before making coverage decisions.

4. Quote requests

When you request a quote, you agree to provide accurate, current and complete information about yourself and only to submit information about yourself or someone who has authorized you to do so. Submitting a request does not guarantee that you will receive a quote, be approved for coverage, or receive any particular rate. Coverage does not begin until a carrier approves your application, a policy is issued and any required premium is paid.

After submitting a request, you may be directed to a licensed agency's or carrier's online platform to view options or apply. Your use of those platforms is governed by their own terms and privacy policies.

By submitting your contact information, you agree that Allied Premium and licensed insurance professionals working with us may contact you at the phone number and email address you provide, including by automated technology, prerecorded or artificial voice, and text message, about insurance products, even if your number is on a do-not-call list. Consent is not a condition of purchase. Message and data rates may apply. You may revoke consent at any time by replying STOP to a text, asking to be placed on our do-not-call list, or contacting us at (888) 443-7440 or support@apinsuranceplans.com.

6. Acceptable use

You agree not to:

  • Submit false or misleading information, or information about another person without their permission.
  • Use the Site for any unlawful purpose.
  • Interfere with the Site's security or operation, or attempt to gain unauthorized access to any part of it, including administrative areas.
  • Scrape, copy or harvest content or data from the Site by automated means, except as permitted by our robots.txt file for search and AI indexing.
  • Use the Site to send spam or harmful code.

7. Intellectual property

The Site and its content, including text, graphics, logos and design, are owned by or licensed to Allied Premium and protected by intellectual property laws. You may view and share Site content for personal, non-commercial purposes with attribution and a link back to the Site. Any other use requires our written permission.

The Site may link to third-party websites, including insurance carriers and agencies. We do not control and are not responsible for their content, products, services or practices.

9. Disclaimer of warranties

THE SITE AND ITS CONTENT 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 AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT CONTENT IS COMPLETE OR CURRENT.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ALLIED PREMIUM AND ITS OWNERS, EMPLOYEES, AGENTS AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA OR COVERAGE, ARISING FROM OR RELATED TO YOUR USE OF THE SITE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100). SOME STATES DO NOT ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU.

11. Indemnification

You agree to indemnify and hold harmless Allied Premium and its owners, employees, agents and partners from any claims, losses or expenses, including reasonable attorneys' fees, arising from your misuse of the Site, your violation of these Terms, or information you submit.

12. Governing law and venue

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute arising from these Terms or the Site will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to their jurisdiction.

13. Changes to these Terms

We may update these Terms from time to time. Updated Terms take effect when posted on this page with a new effective date. Continued use of the Site means you accept the updated Terms.

14. Miscellaneous

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. These Terms and our Privacy Policy are the entire agreement between you and us regarding the Site.

15. Contact us

Allied Premium Insurance Plans 1000 Brickell Ave Miami, FL 33131 Phone: (888) 443-7440 Email: support@apinsuranceplans.com