Terms & Conditions

Last Updated: May 19, 2026

Welcome to the website located at gohomecoverage.com (the "Website" or "Site"), which we ("GoHomeCoverage", "we", "our", or "us,") provide to you ("you" or "your") contingent upon your agreement to these Terms of Use and Privacy Policy. By accessing the Website or using the Service (as defined below), you agree to be bound by and comply with the following Terms of Use including the Privacy Policy.

By accessing or using the Website or our Services (as defined below), you acknowledge that you have read, understood, and agree to be bound by the terms and conditions of these Terms of Use (this "Agreement" or "Terms") and our Privacy Policy (the "Privacy Policy"), which is incorporated herein by reference. If you do not agree to the Terms of Use or Privacy Policy, you may not access or use the Website.

ARBITRATION NOTICE: THESE TERMS OF USE CONTAIN A BINDING ARBITRATION PROVISION, A JURY TRIAL WAIVER, AND A CLASS ACTION WAIVER. DETAILS OF THESE PROVISIONS ARE EXPLAINED BELOW.

YOU HEREBY KNOWINGLY AND VOLUNTARILY AGREE THAT, UNLESS OTHERWISE STATED, ALL DISPUTES BETWEEN YOU AND GOHOMECOVERAGE WILL BE RESOLVED BY MANDATORY BINDING ARBITRATION AND THAT YOU WAIVE THE RIGHT TO ASSERT ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OF USE IN ANY COURT, EXCEPT AS EXPRESSLY PROVIDED BELOW. YOU ALSO KNOWINGLY AND VOLUNTARILY WAIVE THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. YOU FURTHER ACKNOWLEDGE THAT YOU ARE ENTERING INTO THESE TERMS VOLUNTARILY AND NOT IN RELIANCE ON ANY PROMISES OR REPRESENTATIONS WHATSOEVER EXCEPT THOSE CONTAINED IN THESE TERMS OF USE THEMSELVES.

Third Party Offerings

Our aim is to connect users with insurance brokers, insurance companies, insurance brokers, insurance agents, discount program representatives and other insurance professionals ("Service Providers"). The Website offers various applications, widgets, email notifications and other services (the "Service" or "Services") that provide a venue through which you can obtain information and find Service Providers. You understand and agree that we are not the issuer of the products featured on the Website, we are not an insurance underwriter, do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any service provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers.

Acceptance Policy

We reserve the right at any time after receipt of your request to further transfer the request or decline your request for any reason. We may require additional verification or other information, which may include health information and medical history, financial information, the make and model of your vehicle, driving records, etc. before further transferring any insurance request. Your receipt of an electronic or other form of confirmation does not signify acceptance of your insurance request, nor does it constitute confirmation of any offer to provide a policy. We are not responsible for requests that cannot be fulfilled or unsuccessful requests arising from an applicant's ineligibility to qualify for or otherwise obtain a policy, or an inability to pay premiums.

Service Providers. We, as the operator of this Website, are not an insurance broker or an insurance company, are not a representative or an agent to any broker or insurance company, do not endorse any particular broker or insurance provider, and do not make any insurance decisions. We will submit the information you provide to a Service Provider. It is your sole responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider's products or services. You are solely responsible for your financial decisions, and we urge you to obtain the advice of financial advisors, insurance agents, brokers and other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers. Further, you acknowledge and agree that we are not a Service Provider, financial institution, insurance provider, or credit card provider. Our Services are limited to helping connect you with Service Providers. We do not, and will not, make any coverage or credit decision with any Service Provider referred to you. We do not issue mortgages, credit cards, insurance coverage or any other financial products. We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers. This Website does not constitute an offer or solicitation for automobile or other insurance. Providing your information on this Website does not guarantee that you will be approved for automobile or other insurance. Not all insurance providers can or will insure your vehicle. The quotes, rates or savings advertised by/on this website are not necessarily available from all providers or advertisers. Your actual quotes, rates or savings will vary based on many different factors like: coverage limits, deductibles, driving history, education, occupation, type of vehicle, location, and more. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available. Results of using the Service may vary according to individual information provided. (Avg. monthly expenditure for auto insurance is $89 (based on the NAIC 2020/2021 Auto Insurance Database Report). In addition, we do not guarantee that you will be matched with a Service Provider. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SERVICE PROVIDERS, AND WE EXPRESSLY DISCLAIM LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SERVICE PROVIDERS. YOU RELEASE US OF ANY AND ALL LOSSES, COSTS, DAMAGES OR CLAIMS IN CONNECTION WITH, ARISING FROM, OR RELATED TO YOUR USE OF A SERVICE PROVIDER'S PRODUCTS OR SERVICES.

IMPORTANT NOTICE REGARDING CONSUMER REPORT PRACTICES. BY SUBMITTING YOUR INFORMATION TO THE WEBSITE, YOU ARE PROVIDING YOUR EXPRESS WRITTEN CONSENT UNDER ANY APPLICABLE LAW FOR THE WEBSITE AND SERVICE PROVIDERS TO PULL YOUR CONSUMER CREDIT PROFILE OR OTHER BACKGROUND INFORMATION ABOUT YOU. FOR EXAMPLE, CONSUMER AND CREDIT REPORTS AND DRIVING RECORDS MAY BE ORDERED IN CONNECTION WITH YOUR QUOTE REQUEST. THESE REPORTS MAY PROVIDE ADDITIONAL INFORMATION THAT MAY ASSIST SERVICE PROVIDERS IN DETERMINING YOUR ELIGIBILITY FOR THEIR PRODUCTS OR SERVICES, AND RATES THAT YOU MAY BE CHARGED. CONSUMER REPORTS MAY ALSO BE USED FOR UPDATES, RENEWALS, OR EXTENSIONS OF ANY INSURANCE YOU MAY OBTAIN. A PROVIDER MAY ALSO OBTAIN AND USE A CREDIT-BASED INSURANCE SCORE CONTAINED IN YOUR CREDIT REPORT. THIS INFORMATION MAY BE COMBINED BY A SERVICE PROVIDER WITH INFORMATION YOU SUBMIT TO US, AND BY SUBMITTING INFORMATION TO THE WEBSITE, YOU ACKNOWLEDGE THAT YOU ARE PROVIDING YOUR WRITTEN PERMISSION TO OUR SERVICE PROVIDERS TO OBTAIN YOUR CREDIT REPORT. ALTHOUGH SOME INQUIRIES WILL NOT AFFECT YOUR CREDIT SCORE, NOTE THAT CERTAIN PROVIDERS AND AFFILIATES MAY INITIATE A CREDIT INQUIRY THAT WILL IMPACT YOUR CREDIT SCORE.

Your Access and Use of the Services

You are under no obligation to use our Website or Service to initiate contact, nor apply for insurance or any product with any broker or insurance company. We receive compensation, in the form of referral fees, from the insurance carriers, aggregators, or other offers that we may direct you to. By downloading, accessing or using the Website, you represent that you are at least eighteen (18) years old or the legal age of majority in your jurisdiction, whichever is greater, that you are a resident of the United States of America, and that you agree to these Terms. The Website and its contents, including the information available on it, are intended for personal, non-commercial use only and only by U.S. residents. You agree to abide by all applicable federal, state, and local laws and regulations with respect to your use of the Website, and you shall provide only true, accurate, current, and complete information (and updates thereto) when submitting information through the Website. You shall only use the Website as permitted by this Agreement, and you shall not disrupt or intercept electronic information posted on this Website or on any of our servers or use the Website for any illegal or inappropriate purpose. We reserve the right, in our sole discretion, to change, modify, or eliminate, and restrict or block access to, all or any part of the Website, or to cancel any transaction, without notice, at any time, for any or no reason. You agree not to make any commercial use of the Service or the Website, including in particular, licensing, sale, transfer or other exploitation of the content of the Website or the Service.

The information, data, software and content viewable on, contained in, or downloadable from the Website and the Services, including, without limitation, all software, text, graphics, charts, pictures, photographs, images, videos, line art, icons and renditions, and their selection, coordination, arrangement, presentation, display and enhancement (collectively, the "Content") are copyrighted by, or otherwise licensed to, us or our suppliers. All Content is our property or the property of our software vendors and is protected by United States and international copyright laws. You shall not copy, distribute, redistribute, transmission, publication or use, other than the non-commercial use of the Content is permitted by you without our prior written permission. You shall not collect or harvest any personally identifiable information, including account names, from our Services. You shall not use any communication systems provided on our Services for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of our Services without our prior written permission.

Subject to your agreement to these Terms, we grant you a limited license to access, print, download or otherwise make personal use of the Content in the form of: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for your non-commercial use. You may not modify the Content or use it for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content, or transfer the Content to another person or entity. Any action by you that, in our sole discretion: (i) violates the terms and conditions of this Agreement or the Privacy Policy; (ii) restricts, inhibits or prevents any access, use or enjoyment of our Services; or (iii) through the use of our Services, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use our Services. You shall not modify, scrape, embed, frame, spider, deep link or use other similar automated data gathering or extraction tools, program, algorithm or methodology, meta tags or any other "hidden text" to access, acquire, copy or monitor our Website or Services or any portion of our Website or Services or for any other purpose, without our prior written permission.

Payment

Use of the Website and the Service may be subject to payment. However, we are not involved with and are not responsible for any fee arrangement that you may enter into with any Service Provider.

Email, Telephone, and SMS Communication

You must provide your email address and telephone number when registering to access any Service. By providing your email address or phone number on the Website, you expressly authorize us and our Service Providers to contact you by telephone, fax and email at the telephone numbers and email addresses provided, concerning (i) your insurance needs or quote requests, (ii) any issue regarding our Services, (iii) in response to quotes you have requested from us or our Service Providers, and (iv) to provide information or offers that may be of interest to you, including marketing messages. We and our Service Providers may contact you at any telephone numbers, cellular or otherwise, that you provide us. You agree that such communications may be sent to your mobile phone via automated telephone dialing system, prerecorded calls, text messages, SMS, MMS, and picture messages, even if the phone number you provide is on a corporate, state or national Do Not Call list. Further, you agree to receive marketing emails, telephone calls, or text messages, even if you previously opted out of receiving marketing communications from us or from specific Service Providers. You also consent to us and Service Providers making automated or prerecorded calls or sending text messages to your mobile telephone number using automated technology, including but not limited to reminding you about deadlines or confirming your contact information. Your consent is not required to make a purchase. Without limiting anything in the Privacy Policy, you authorize Service Providers, and their affiliates and third-party service providers, to conduct all necessary research with your information, including checking your credit history, if applicable, for purposes of providing you with information you requested through the Website.

If you do not want to receive such emails, telephone calls, or text messages, you may opt out (i) during the registration process, or (ii) by emailing the address at the bottom of the emails with "UNSUBSCRIBE" or by texting "STOP" or "OPT-OUT" as specifically set forth in the communication. For more information, please see our Privacy Policy.

You Are Responsible for Your Financial Decisions

We do not endorse or recommend the products or services of any Service Provider, and we are not an agent or advisor to you or any Service Provider. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider's products or services. We urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. For questions regarding your insurance policy, please contact your broker or insurance company directly. Residents of some states may not be eligible for insurance or may be subject to large premiums.

No Representation Regarding Third Party Content

We make no representations or endorsements regarding the quality, safety, truth, accuracy, reliability, completeness, condition or usefulness of any third-party content posted on the Website, hyperlinks to third-party websites outside of the Website, or any content posted on third-party websites. We are not liable for the terms and consequences of any commercial transaction concluded as a result of any advertisement placed on or available through the Website. The amount of compensation provided, along with other factors, may impact which policy or offer you are presented. The offer you receive may be coming from the company that bid the most for your information. This Website does not always provide you with an offer with the best rates or terms. Our Website does not include all companies or all available offers. We encourage you to research all available insurance policy options relative to your situation.

Intellectual Property

You agree that we own all right, title and interest, including all intellectual property rights – under federal, state, and international intellectual property law, including but not limited to patent law, copyright law, trade secret law, trademark law, unfair competition law, and any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide – in and to the Website and the Services. If you submit comments, suggestions, ratings, or other feedback regarding the Website or your experience ("Feedback"), you agree that you grant to us a perpetual, irrevocable, royalty-free, worldwide, sub-licensable and transferable license to copy, publish, translate, modify, reformat, create derivative works from, distribute, reproduce, and sublicense such materials or any parts of such materials, and that such Feedback does not violate any law or the rights of any third party. We shall be free to use such Feedback for any purpose and without restriction, compensation, attribution, or obligation to you. You acknowledge and agree that our name and logo are our trademarks. You are not authorized to use any such trademarks, or any other of our trademarks, whether registered or unregistered, without our prior written permission. Ownership of all such trademarks and the goodwill associated therewith remains with us. All other trademarks and copyrights are the property of their respective owners.

Without limiting the foregoing, you acknowledge and agree that rights in any third-party content (including any third party content licensed by us, advertisements, etc.) presented to you through the Service or contained on the Website or in any other websites to which this Website links, including copyright, trademarks, logos, service marks, patents or other proprietary rights and any other intellectual property rights not owned by us, belong to their respective owners. We make no proprietary claim to any third-party names, trademarks or service marks appearing on our Services.

Copyright Infringement

If you believe that any materials made accessible on the Website have been used or copied in a way that infringes your copyright or other intellectual property rights, you may request that we remove those materials by providing us with the following information:

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
• A description of the copyrighted work or other intellectual property that you claim has been infringed;
• A description of where the material that you claim is infringing is located on the website (including the specific URL of each item in dispute, which should help us to locate the relevant content);
• Your address, telephone number, and email address;
• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
• A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright or intellectual property owner or are authorized to act on the copyright or intellectual property owner's behalf.

Designated Agent. Notice of claims of copyright or other intellectual property infringement can be delivered as follows, by email: [email protected]

Disclaimer of Warranties; Limitation of Liabilities

THE SERVICES, THE WEBSITE AND ITS CONTENT ARE PROVIDED TO YOU STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND THAT EXTEND BEYOND THE DESCRIPTION ON THE FACE OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS, ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. We shall have no liability for any scheduled or unplanned system outages, including due to any third party acts or any other outages of web host providers or the Internet infrastructure and network external to the Website and the Service, and in particular for the resulting unavailability of the Website, any resultant loss of data or any resultant delay or non-delivery of information.

TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE SHALL NOT BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF: (I) YOUR BREACH OR VIOLATION OF THIS AGREEMENT; (II) YOUR ACCESS AND USE OF THE WEBSITE AND SERVICES; (III) YOUR DELAY IN ACCESSING OR INABILITY TO ACCESS OR USE OUR SERVICES FOR ANY REASON; (IV) YOUR DOWNLOADING OF ANY OF THE CONTENT OR THE COLLECTIVE WORK FOR YOUR USE; OR (V) THE ACTIONS OR INACTION OF SERVICE PROVIDERS. WITHOUT LIMITING THE FOREGOING, OUR AGGREGATE LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID TO US BY YOU FOR USE OF THE WEBSITE. Notwithstanding anything to the contrary herein, this Disclaimer of Warranties and Limitation of Liability do not apply in New Jersey.

ARBITRATION AGREEMENT

Using or accessing the Website and/or Services constitutes your acceptance of this Arbitration Agreement ("Arbitration Agreement"). Please read it carefully as it provides that you and GoHomeCoverage waive any right to file a lawsuit in court or participate in a class action for matters within the scope of the Arbitration Agreement.

Scope of Arbitration Agreement

ALL DISPUTES, CONTROVERSIES, OR CLAIMS ("DISPUTES") ARISING OUT OF OR RELATED TO THE TERMS OF USE (INCLUDING ANY QUESTION REGARDING ITS EXISTENCE, VALIDITY OR TERMINATION), ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU AND GOHOMECOVERAGE AND/OR ANY OF ITS CORPORATE AFFILIATES, YOUR PURCHASE(S) FROM GOHOMECOVERAGE, YOUR COMMUNICATIONS WITH GOHOMECOVERAGE OR ANY OF ITS BRANDS OR THIRD PARTIES WHO CONTACT YOU ABOUT THE SERVICES AVAILABLE ON GOHOMECOVERAGE'S WEBSITE (WHETHER DIRECTLY OR THROUGH A THIRD PARTY), AND/OR YOUR VISIT OR USE OF THE WEBSITE OR SERVICES, WHETHER BASED IN CONTRACT, TORT, STATUTE, OR ANY OTHER LEGAL THEORY, SHALL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BEFORE A NEUTRAL ARBITRATOR. YOU AGREE THAT GOHOMECOVERAGE AND YOU ARE EACH WAIVING THE RIGHT TO SUE IN COURT AND TO HAVE A TRIAL BY A JURY EXCEPT THAT (A) YOU MAY SEEK RELIEF IN SMALL CLAIMS COURT IF YOUR CLAIMS QUALIFY AND (B) YOU OR GOHOMECOVERAGE MAY SEEK EQUITABLE RELIEF IN COURT FOR INFRINGEMENT OR OTHER MISUSE OF INTELLECTUAL PROPERTY RIGHTS (SUCH AS TRADEMARKS, TRADE DRESS, DOMAIN NAMES, TRADE SECRETS AND PATENTS). YOU AGREE THAT ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS BUT MAY BE CONSOLIDATED WITH OTHER ARBITRATIONS PURSUANT TO THE JUDICIAL ARBITRATION MEDIATION SERVICES, INC. ("JAMS") RULES CITED BELOW. CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED, AND YOU AGREE TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION AND CLASS ARBITRATION. NOTWITHSTANDING ANY OF THE FOREGOING, NOTHING IN THESE TERMS OF USE OF USE PRECLUDES YOU FROM BRINGING ISSUES TO THE ATTENTION OF FEDERAL, STATE, OR LOCAL AGENCIES.

Governing Law

The Federal Arbitration Act, codified at 9 U.S.C. §§ 1–16, governs the interpretation and enforcement of this Arbitration Agreement. In all other respects, the laws of the State of New York shall control (without regard to conflicts of law principles) the interpretation and enforcement of this Arbitration Agreement and these Terms of Use unless applicable law requires otherwise. Without limiting the foregoing, if you are a California consumer, the laws of the State of California shall control the interpretation and enforcement of this Arbitration Agreement and these Terms of Use.

Pre-Arbitration and Arbitration Procedures and Rules

If you have a Dispute, you agree to first contact us by email at [email protected] to attempt to resolve the Dispute informally. If the Dispute cannot be resolved through such informal process or through negotiation within sixty (60) days, you and GoHomeCoverage agree to resolve the Dispute through binding and final arbitration pursuant to this Arbitration Agreement instead of through court proceedings unless permitted by this Arbitration Agreement.

Unless modified by this Arbitration Agreement, the arbitration will be administered by JAMS pursuant to the JAMS Streamlined Arbitration Rules & Procedures located at https://www.jamsadr.com/rules-streamlined-arbitration for individual claims totaling less than $250,000, and Comprehensive Arbitration Rules and Procedures located at https://www.jamsadr.com/rules-comprehensive-arbitration/ for all other claims. The JAMS Mass Arbitration Procedures and Guidelines located at https://www.jamsadr.com/mass-arbitration-procedures shall apply to all arbitrations to which those procedures apply. If JAMS is not available to arbitrate, the parties will agree upon an alternative arbitral forum.

Arbitration Forum

The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or by us that an in-person hearing is appropriate. Any in-person appearances will be held at a location which is reasonably convenient to both parties, with due consideration of their ability to travel and other pertinent circumstances, and in accordance with applicable laws. If the parties are unable to agree on a location, such determination should be made by the applicable rule-making authority or by the arbitrator.

Authority of the Arbitrator

The arbitrator shall have exclusive authority to: (a) determine the scope and enforceability of this Arbitration Agreement; (b) resolve any dispute related to the interpretation, applicability, enforceability or formation of this Arbitration Agreement including, but not limited to, any assertion that all or any part of this Arbitration Agreement is void or voidable; and (c) resolve all Disputes within the scope of this Arbitration Agreement. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the same authority to award relief on an individual basis that a judge in a court of law would have, including to grant temporary, interim, or permanent injunctive relief (including public injunctive relief), and relief providing for specific performance of these Terms of Use. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The award of the arbitrator is final and binding upon you and GoHomeCoverage. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof.

Jury Trial Waiver

YOU AND GOHOMECOVERAGE HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY UNLESS OTHERWISE PROVIDED IN THIS ARBITRATION AGREEMENT. THE RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, SUCH AS THE RIGHT TO APPEAL, MAY BE MORE LIMITED OR MAY NOT EXIST.

No Class Actions or Class Arbitrations Permitted

YOU AND GOHOMECOVERAGE AGREE THAT ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. This means that neither you nor GoHomeCoverage may bring a claim as a plaintiff or class member in a class action or class arbitration. Notwithstanding the foregoing and anything else in this Arbitration Agreement, individual arbitrations may be consolidated pursuant to applicable JAMS rules, and the JAMS Mass Arbitration Procedures and Guidelines located at https://www.jamsadr.com/mass-arbitration-procedures shall apply to all arbitrations to which those procedures apply. Nothing in this Arbitration Agreement, including this section, is intended to limit the relief available to you in small claims court. Nor does anything in this section limit your or GoHomeCoverage's ability to resolve a Dispute by mutual agreement through a class-wide settlement of claims, whether through mediation or otherwise.

Severability and Survival

If any provision of this Arbitration Agreement is found to be invalid or unenforceable, then that specific provision shall be of no force and effect and shall be severed, but the remainder of this Arbitration Agreement and the Terms of Use shall continue in full force and effect. The Arbitration Agreement survives the termination of your relationship with GoHomeCoverage.

30 Day Right to Opt Out

You have the right to opt out and not be bound by the arbitration and class action waiver provisions set forth in this Arbitration Agreement by sending written notice of your decision to opt out by emailing us at [email protected] with the subject line "Arbitration Opt-Out." The notice must be sent within thirty (30) days of accepting the Terms of Use; otherwise, you shall be bound to arbitrate Disputes in accordance with the terms in this Arbitration Agreement. If you timely opt out of these arbitration provisions, GoHomeCoverage also will not be bound by them. If you opt out of this Arbitration Agreement, all other provisions of the Terms of Use shall apply.

Electronic Communications

When you visit or submit information on the Website or send email to us, you are communicating with us electronically. You consent to receive communications from us electronically. Although we may choose to communicate with you by postal mail, we may also choose to communicate with you by email or by posting notices on the Website. In addition, you acknowledge and agree that by clicking on the button labeled "SUBMIT", "I AGREE", "I ACCEPT", "GET QUOTES", ANY LINK THROUGH WHICH YOU SUBMIT CONTACT INFORMATION, or such similar links as may be designated by us to accept these terms and conditions of this Agreement, you are submitting a legally binding electronic signature and entering into a legally binding contract. You acknowledge that your electronic submissions constitute your agreement and intent to be bound by these Terms of Use. Pursuant to any applicable statutes, regulations, rules, ordinances or other laws, including without limitation the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the "E-Sign Act") or other similar statutes, YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE WEBSITE OR SERVICES OFFERED BY GOHOMECOVERAGE. Further, you hereby waive any rights or requirements under any statutes, regulations, rules, ordinances or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records.

Miscellaneous

These Terms of Use and any documents expressly incorporated by reference, including the Privacy Policy, constitute the entire agreement between you and us with respect to the subject matter hereof, and, unless otherwise specifically stated in writing, there are no other terms, conditions, or obligations between the parties relating to the use of the Website or the Service, other than those contained in these Terms. No agency, partnership, joint venture, employer-employee or franchiser-franchisee relationship is intended or created by these Terms between you and us. The section headings used herein are for convenience only and shall not be given any legal import. Any waiver of any provision of these Terms will be effective only if made in writing and signed by us. Any protection of intellectual property rights, any of your representations and warranties and any limitations on liability explicitly set forth herein, shall remain in full force and effect notwithstanding any termination of your use of the Service. If any provision of these Terms is found by an arbitrator or court of competent jurisdiction (if applicable) to be invalid or unenforceable, any other provisions of these Terms will continue in full force and effect and you agree that the court should endeavor to give maximum effect to the parties' intentions as reflected in the provision. We shall be permitted to send notices to you by posting a notice on the Website (deemed received on your accessing the Website or using the Service) or via e-mail to the address that you provided (deemed received on the following day).