Terms & Conditions 

Welcome to our website. By accessing or using this website and purchasing products or services from us, you agree to be bound by these Terms & Conditions (“Terms”). Please read them carefully.

1. Licensed Insurance Broker

Lomelin Insurance is a licensed insurance broker in the State of California. We do not act as an insurance underwriter or issue policies directly. Instead, we partner with a variety of insurance carriers to compare options and help you find coverage that aligns with your needs.

2. Quotes & Coverage

Any insurance quotes provided by Lomelin Insurance are estimates only and may change after the insurance company completes its underwriting review.

Coverage does not become active until it has been officially confirmed by the insurance carrier and the required premium has been received.

You are responsible for carefully reviewing all policy documents and notifying us promptly if you notice any errors or missing information.

3. Client Responsibility

When requesting a quote or applying for coverage, you agree to provide truthful, accurate, and complete information.

Failure to disclose or inaccuracies may lead to denial of coverage, adjustment of terms, or cancellation by the insurer.

You are also responsible for ensuring that premiums are paid on time, as missed payments may result in policy cancellation.

4. No Guarantee of Coverage

Lomelin Insurance does not guarantee that any application will be approved or that coverage will be issued. Final acceptance is determined solely by the insurance carrier.

5. Use of Website

All information provided on this website is intended for general informational purposes only and should not be interpreted as legal, tax, or financial advice.

While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content.

Any external links provided are for convenience only, and we are not responsible for the content or practices of third-party websites.

6. Privacy & Data

We respect your privacy. Any personal data shared with Lomelin Insurance is used strictly for the purpose of providing insurance-related services and is handled in accordance with applicable California privacy regulations. Please refer to our Privacy Policy for more details.

7. Limitation of Liability

Lomelin Insurance, including its employees and representatives, is not responsible for any losses or damages that may arise from the use of our services, delays in processing coverage, or claim decisions made by insurance carriers.

8. Governing Law

These Terms & Conditions are governed and interpreted under the laws of the State of California.

9. Updates to Terms

Lomelin Insurance may revise or update these Terms & Conditions at any time without prior notice. Any changes will take effect once posted on this page.