Stonecrest Insurance Services
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Terms of Service

Please read these terms carefully before using our website or requesting insurance services. By accessing this site, you agree to be bound by these terms.

Effective Date: September 2025

Acceptance of Terms

By accessing or using the website located at www.stonecrestinsurance.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, please do not use this Site.

These Terms apply to all visitors, users, and others who access or use the Site. Your continued use of the Site following any changes to these Terms constitutes your acceptance of the revised Terms.

About Us

This Site is operated by Stonecrest Insurance Services, Inc., a California licensed independent insurance agency. CA Insurance License #0E11801.

Informational Purpose Only

The content on this Site — including articles, descriptions of coverage types, premium estimates, discount information, and carrier references — is provided for general informational purposes only. Nothing on this Site constitutes professional legal, financial, or insurance advice tailored to your individual situation.

Insurance needs vary significantly based on individual circumstances. You should consult directly with a licensed insurance agent before making any insurance decisions. Stonecrest Insurance agents are available to provide personalized guidance at no charge.

No Coverage Guarantee

Submitting a quote request form on this Site does not bind insurance coverage, create an insurance policy, or constitute an offer to provide coverage. Any premium estimates provided online are preliminary estimates only and are subject to change based on underwriting review, loss history, credit information, and other factors.

Insurance coverage is only in effect when a policy has been issued by a licensed carrier, all required premiums have been paid, and you have received written confirmation of coverage. Do not cancel existing coverage based solely on a quote received through this Site.

Accuracy of Information

We make reasonable efforts to ensure the information on this Site is accurate and current. However, insurance products, pricing, availability, and regulations change frequently. We do not warrant that any information on this Site is complete, accurate, or up to date at any given time.

Coverage descriptions are general summaries and may not reflect the specific terms, conditions, exclusions, and limitations of any individual policy. Always review your actual policy documents for the terms that govern your coverage.

You are responsible for providing accurate and complete information when submitting forms or communicating with our agents. Providing false or misleading information may result in denial of coverage or cancellation of a policy.

Permitted Use of This Site

You may use this Site for lawful purposes only. You agree not to:

  • Use the Site in any way that violates applicable federal, state, or local laws or regulations
  • Scrape, crawl, or use automated means to access the Site or collect information from it without our express written permission
  • Submit false, misleading, or fraudulent information through any form on this Site
  • Attempt to gain unauthorized access to any portion of the Site or its related systems
  • Transmit any harmful, offensive, or disruptive content through the Site
  • Reproduce, duplicate, copy, sell, or exploit any portion of the Site without our express written permission
  • Use the Site in any manner that could damage, disable, or impair the Site or interfere with any other party's use

We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any reason, including violation of these Terms.

Intellectual Property

All content on this Site — including text, graphics, logos, images, icons, audio clips, and software — is the property of Stonecrest Insurance Services, Inc. or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may view and print pages from this Site for your personal, non-commercial use only. Any other use, including reproduction, modification, distribution, transmission, republication, or display of the content on this Site, without our prior written permission, is strictly prohibited.

The Stonecrest Insurance Services name, logo, and all related product and service names and slogans are trademarks of Stonecrest Insurance Services, Inc. You may not use these marks without our prior written permission.

Third-Party Links

This Site may contain links to third-party websites, including insurance carrier websites, payment portals, and informational resources. These links are provided for your convenience only. We do not control or endorse these third-party sites and are not responsible for their content, privacy practices, or accuracy.

Accessing third-party sites through links on this Site is at your own risk. We encourage you to review the terms and privacy policies of any third-party sites you visit.

Disclaimers

THIS SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

  • The Site will be available, uninterrupted, or error-free at all times
  • Defects will be corrected
  • The Site or the servers that make it available are free of viruses or other harmful components
  • The information on the Site is complete, accurate, or current

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, STONECREST INSURANCE SERVICES, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THIS SITE OR ITS CONTENT.

This includes, without limitation, damages for loss of profits, goodwill, data, or other intangible losses, even if we have been advised of the possibility of such damages.

In no event shall our total liability to you for all claims arising out of or relating to these Terms or your use of the Site exceed one hundred dollars ($100).

Some jurisdictions do not allow limitations on liability for certain types of damages, so some of the above limitations may not apply to you.

Indemnification

You agree to defend, indemnify, and hold harmless Stonecrest Insurance Services, Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses — including reasonable attorneys' fees — arising out of or in connection with:

  • Your use of or access to the Site
  • Your violation of these Terms
  • Your violation of any third-party rights, including intellectual property or privacy rights
  • Any false or inaccurate information you submit through the Site

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Sacramento County, California. You consent to the personal jurisdiction of such courts and waive any objection to venue in such courts.

Before initiating formal legal proceedings, you agree to contact us in good faith to attempt to resolve any dispute informally. Most concerns can be addressed by contacting us at (800) 488-2789 or service@stonecrestinsurance.com.

Changes to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the effective date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

Contact Us

If you have questions about these Terms of Service, please contact us: