Legal Notice and Terms of Use

About this website

coveragesmartt.com (“SmartCoverage”) is an independent online publication about insurance in the United States. It is operated by the SmartCoverage Editorial Team. Contact: contact@coveragesmartt.com.

By using this website, you agree to these terms. If you do not agree, please do not use the site.

Insurance disclaimer

• We are not an insurance company, agent or broker, and we are not licensed to sell insurance or give insurance advice in any state.
• Coverage, prices, eligibility and rules vary by state, insurer and personal circumstances, and they change often. Always read the actual policy documents and confirm details with the insurer, a licensed agent or the relevant government agency before making a decision.
• Prices and statistics come from third-party studies and public data, identified on each page. They are averages for sample profiles and will not match your own quote.

Calculators and tools

Our calculators, quizzes and charts produce estimates based on published data and simplified assumptions, explained in the guide where each tool appears. They are not quotes, eligibility decisions or tax calculations. Your actual premium, subsidy, tax saving or coverage need may be different.

Accuracy

We work to keep information accurate and up to date, and each guide shows when it was last reviewed. However, we cannot guarantee that every piece of information is complete, current or free of errors. If you find an error, please tell us.

Third-party links and companies

Our guides link to regulators, research organizations, insurers and other websites so you can check our sources. We do not control those sites and are not responsible for their content or practices.

Company names, brands and trademarks mentioned on this site belong to their owners. Mentioning a company does not mean it endorses SmartCoverage or that we have a business relationship with it.

Advertising

The site displays advertising, including ads served by Google AdSense. Ads are clearly separate from our content. An ad is not an endorsement, and advertisers have no influence over what we publish. See our Privacy Policy and Cookie Policy.

Intellectual property

The text, calculators, illustrations and design of this website are owned by SmartCoverage or used with permission. You may read, print and share links to our pages for personal, non-commercial use. You may not copy, republish or sell our content or tools without written permission. Short quotations with a link to the original page are welcome.

Acceptable use

Please do not use the site in a way that harms it or other users, including attempting to gain unauthorized access, scraping content at scale, posting spam, or posting unlawful or abusive comments. We may remove comments or block access that breaks these rules.

Limitation of liability

To the extent permitted by law, SmartCoverage is not liable for any loss or damage arising from the use of, or reliance on, this website, its content or its tools, including decisions about buying, changing or cancelling insurance. Nothing in these terms limits liability that cannot be limited by law.

Changes

We may update these terms and the content of the site at any time. The date at the top of this page shows the latest version.