Last updated: 2026-09-17. By using insurancalcs.org, you agree to these Terms of Use. If you do not agree, please do not use this site.
Use of the site
InsuranCalcs grants you a limited, non-exclusive, non-transferable license to access and use this site and its calculators for your own personal, non-commercial reference. You may not copy, resell, scrape, or redistribute the site’s content or calculators without permission.
Estimates only, not advice
Every calculator on this site produces a simplified, illustrative estimate, not a real insurance quote, and not legal, financial, tax, or insurance advice. See each calculator’s methodology section and our disclaimer for details on how estimates are calculated and their limitations. Do not rely on any figure from this site for a binding financial decision without confirming it with a licensed professional.
No warranty
This site and its calculators are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including but not limited to accuracy, completeness, reliability, or fitness for a particular purpose. We do not guarantee that any calculator result will match an actual insurance quote or premium.
Limitation of liability
To the fullest extent permitted by law, InsuranCalcs and its operators are not liable for any direct, indirect, incidental, or consequential damages arising from your use of — or inability to use — this site, including decisions made based on a calculator’s estimate.
Third-party links
This site may link to third-party websites, including consumer resources and, in the future, insurers, title companies, or affiliate partners. We do not control and are not responsible for the content, accuracy, or practices of those third-party sites.
Changes to these terms
We may revise these Terms of Use at any time. Continued use of the site after changes are posted means you accept the revised terms.
Governing law
These terms are governed by the laws applicable to the jurisdiction in which InsuranCalcs operates, without regard to conflict-of-law principles.