Terms of Use

01 Acceptance Of These Terms

Using this site, requesting a quote or creating an account means these terms apply. Anyone who does not agree with them should stop using the site. Continued use after an update counts as acceptance of the revised version.

02 What This Site Provides

KiraHouses provides home insurance information, quote requests and coverage guidance for residential property. The site itself is not an insurance policy and does not create coverage of any kind.

Coverage begins only when a licensed carrier issues a policy and the required payment has been accepted. Anything shown before that point is an estimate.

03 Eligibility

Use of this site is limited to residents of the United States who are eighteen years of age or older and legally able to enter a binding agreement. Quote requests must relate to a property the requester owns or is in the process of buying.

04 Account Responsibilities

An account holder is responsible for keeping login details private and for everything that happens under that account. Suspected unauthorised access should be reported straight away using the contact details in section fifteen.

• Keep the password private and do not share account access
• Report a lost or compromised password without delay
• Keep contact details current so notices arrive at the right place
• Do not create an account on behalf of another person without permission

05 Accurate Information

Home insurance pricing depends entirely on what gets declared about the property. Roof age, prior claims, occupancy, renovations and the value of belongings all shape the outcome.

Information that turns out to be inaccurate or incomplete can lead to a repriced policy, a reduced payout or a cancelled policy. Anything unclear is worth asking about before a form is submitted.

06 Quotes And Coverage Decisions

Quotes shown or discussed are estimates based on the details supplied at that moment. Final pricing, eligibility and terms rest with the carrier and may change after underwriting review, an inspection or a report pulled from an external database.

Nothing on this site should be treated as legal, tax or financial advice. Policy documents issued by the carrier always take priority over anything summarised here.

07 Text Message Program

Consent boxes on the signup form control which text messages arrive, and consent is never a condition of receiving a quote. Service messages and marketing messages are handled as separate permissions.

Replying STOP to any message ends the program, and replying HELP returns support details. Message frequency varies, and standard message and data rates may apply.

08 Acceptable Use

This site is here to help homeowners understand and arrange coverage. The following are not permitted under any circumstances.

• Submitting false, stolen or another person's details without permission
• Attempting to gain access to accounts, systems or data belonging to others
• Scraping, copying or republishing site content for commercial use
• Uploading harmful code or interfering with how the site runs
• Using the site for anything unlawful or fraudulent

09 Intellectual Property

Text, layout, graphics, logos and code on this site belong to KiraHouses or its licensors and are protected by applicable law. Personal reference use is fine. Reproducing, distributing or adapting the material without written permission is not.

10 Third Party Sites And Carriers

Links to carrier portals, claim systems and public resources are provided for convenience. Those destinations operate under their own terms and privacy practices, and their content is outside the control of this site.

11 Disclaimer Of Warranties

This site and its content are provided on an as is and as available basis without warranties of any kind, whether express or implied. No promise is made that the site will be uninterrupted, error free or fully current at every moment.

12 Limitation Of Liability

To the fullest extent the law allows, KiraHouses is not liable for indirect, incidental, special or consequential losses arising from use of this site, from reliance on information found here or from a carrier decision made after a quote request.

13 Arbitration And Governing Law

These terms are governed by the laws of the State of Idaho without regard to conflict of law rules. Disputes that cannot be settled informally are resolved through binding individual arbitration rather than in court, and class actions are waived to the extent the law permits.

Small claims matters that qualify may still be brought in a small claims court.

14 Changes To These Terms

These terms are revised when the service changes or when a new legal requirement applies. The revision date shown in the page hero always reflects the current version, and continued use after an update means the revised terms apply.

15 Contact Details

Questions about these terms can be sent to the details below.