By using InsureMath, you agree to these terms. If you don't agree, please don't use the site.
What this site provides
This site provides free, publicly accessible calculators and articles that estimate insurance costs and explain insurance concepts. Results are estimates generated from the inputs you provide, combined with sourced industry data described on the methodology page.
Nothing on this site is an insurance quote, an offer of coverage, or a guarantee of price. See the disclaimer for more on the limits of what a calculator can tell you.
No professional advice
Content on this site, including calculator results, FAQ answers, and articles, is for general informational purposes only and does not constitute insurance, legal, tax, or financial advice specific to your situation. Always confirm coverage details, pricing, and eligibility with a licensed insurer or agent before making a decision.
Acceptable use
You agree not to: attempt to disrupt or overload the site's infrastructure; scrape or systematically extract the site's data or content for republication without permission; use the site for any unlawful purpose; or attempt to bypass any technical measure protecting the site.
Intellectual property
The site's text, design, calculator logic, and compiled datasets are owned by InsureMath or its licensors, except where a specific source is credited. You may link to and share individual calculator results and articles.
You may not reproduce substantial portions of the site's content or underlying code on another site without written permission.
Third-party links and services
This site may link to external sources (insurers, government agencies, industry associations) to support the figures it cites, and may display third-party advertising (see the ad disclosure page).
This site is not responsible for the content, accuracy, or practices of any external site it links to or that serves ads on it.
No warranty
This site and its calculators are provided "as is," without warranty of any kind, express or implied, including but not limited to accuracy, completeness, or fitness for a particular purpose.
While every figure is sourced and dated, insurance markets, laws, and individual underwriting outcomes change, and an estimate may not reflect current pricing in your specific case.
Limitation of liability
To the fullest extent permitted by law, InsureMath is not liable for any decision made, or loss incurred, based on a calculator result or any content on this site. Insurance purchasing decisions should always be confirmed with a licensed insurer or agent.
Changes to these terms
These terms may be updated as the site evolves. Continued use of the site after a change constitutes acceptance of the updated terms. The "last updated" date at the top of this page reflects the most recent revision.
Contact
Questions about these terms can be sent through our contact form.