Terms of Use

1. Acceptance of Terms

By accessing and using the Turner Insurance website (turnerinsure.com), you accept and agree to be bound by these Terms of Use and our Privacy Policy. These terms apply to all visitors, users, and others who access or use the site. Turner Insurance reserves the right to modify these terms at any time, and your continued use of the site constitutes acceptance of any changes.

2. Use of the Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use the site in any way that violates applicable federal, state, or local laws or regulations.
• Transmit any unsolicited or unauthorized advertising or promotional material.
• Attempt to gain unauthorized access to any part of the site or its related systems.
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the site.
• Use automated tools to scrape, crawl, or harvest data from the site without our prior written consent.

3. No Insurance Advice or Binding Coverage

The content on this website is provided for general informational purposes only and does not constitute insurance advice, a binding quote, or an offer to provide insurance coverage. Coverage terms, availability, and pricing vary by carrier and individual circumstances. No insurance coverage is bound or in force until confirmed in writing by a licensed insurance carrier. Please contact a Turner Insurance agent directly to discuss your specific coverage needs.

4. Licensing

Turner Insurance is a trade name of Turner Florida Insurance Agency, Inc., a licensed independent insurance agency authorized to conduct insurance business in North Carolina and South Carolina. Insurance products are underwritten by unaffiliated insurance companies and are subject to carrier underwriting guidelines, eligibility requirements, availability, and applicable state law.

5. Accuracy of Information

While we strive to keep the information on our website accurate and up to date, Turner Insurance makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information on the site. Insurance products, rates, and availability are subject to change without notice. Always verify coverage details directly with your agent or carrier.

6. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Turner Insurance or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this site without our prior written permission. Turner Insurance, its logos, branding, and website design are proprietary and may not be used without prior written permission.

7. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites. These links are provided for your convenience only. Turner Insurance has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them. Linking to a third-party site does not imply endorsement by Turner Insurance.

8. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Turner Insurance does not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, Turner Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this website or its content — even if Turner Insurance has been advised of the possibility of such damages. Our total liability to you for any claim arising from your use of this site shall not exceed the greater of $100 or the amount required under applicable law.

10. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review our Privacy Policy to understand our practices.

11. Electronic Communications and SMS/Text Messaging

By submitting information through this website, you consent to receive communications from Turner Insurance regarding your inquiry, quote request, policy, or other service-related matters. Marketing communications will be sent only as permitted by applicable law, and you may opt out of marketing communications at any time.

If you opt in to receive SMS/text messages from Turner Insurance, you agree to receive informational and customer-care text messages at the mobile number you provide regarding your inquiries, insurance quotes, policy information, customer service requests, account updates, and other service-related matters. Message frequency varies. Message and data rates may apply.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties, except as necessary to deliver communications on our behalf.

Consent to receive text messages is not a condition of purchase. You may opt out at any time by replying STOP. For assistance, reply HELP or contact us at [email protected] or (828) 722-1910. See our Privacy Policy for more information on how we handle your data.

12. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in North Carolina.

13. Changes to These Terms

Turner Insurance reserves the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. We will update the "Last updated" date at the top of this page. Your continued use of the site after any changes constitutes your acceptance of the new terms.

14. Contact Us