Terms of use

These terms apply to your use of this website, which is run by Latch Insurance Services ("Latch", "we"). By using the site, you agree to them.

General information, not advice

The site explains how property insurance generally works. It is not legal, tax, or financial advice, and it is not advice about your specific coverage. Insurance needs differ, and laws and insurer rules change. Talk with a licensed broker about your situation.

No coverage until an insurer confirms it

Nothing on this site is an offer of insurance or a promise that coverage is available. Sending a form, an email, or a document through this site does not bind, change, or cancel any coverage. Coverage exists only when an insurer confirms it in writing, and only on the terms of the policy the insurer issues.

Insurers decide whether to offer coverage, on what terms, and whether to pay a claim.

Your submissions

Please send accurate information. Insurers rely on it, and wrong or missing information can affect coverage or a claim. Only send information and documents you have the right to share.

Licensing

We offer insurance only where we are licensed. See Licenses and disclosures.

Links to other sites

The site links to pages run by others, such as the California Department of Insurance and our scheduling provider. We aren't responsible for their content or practices.

The site is provided as is

We work to keep the site accurate and available, but we provide it as is, without warranties of any kind. To the extent the law allows, we aren't liable for losses that come from using the site or relying on its content. This doesn't limit any duties we owe you as your insurance broker once you become a client.

Governing law

California law governs these terms.

Changes

We may update these terms. The date at the top shows when they last changed.

Contact

Questions about these terms? Contact us.