Terms & Conditions

By accessing, browsing, or otherwise using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions, as well as our Privacy Policy, which is incorporated herein by reference. These Terms constitute a legally binding agreement between you and Hodges Insurance Agency.

We reserve the right to modify these Terms at any time. It is your responsibility to review these Terms periodically. Your continued use of the website following any changes constitutes acceptance of the revised Terms.

The information provided on this website is for general informational purposes only and does not constitute binding insurance coverage, a contract of insurance, legal advice, or financial advice. All insurance products and services described on this website are subject to the specific terms, conditions, exclusions, and limitations of the applicable insurance policy.

Insurance coverage is subject to carrier approval, underwriting requirements, policy terms, applicable state regulations, and timely payment of premiums. Nothing on this website should be interpreted as a guarantee of coverage, eligibility, or premium rates.

Submitting a quote request, contact form, or any other inquiry through this website does not guarantee approval, coverage, specific pricing, or eligibility for any insurance product. All coverage is subject to the underwriting guidelines and approval processes of the applicable insurance carrier. Hodges Insurance Agency serves as an independent agent and broker and does not make final coverage determinations.

By using this website, you agree to:

• Provide accurate, complete, and current information when submitting any forms or inquiries
• Not misuse, misrepresent, or provide false information that could affect insurance underwriting decisions
• Not attempt to gain unauthorized access to any portion of this website or its related systems
• Not interfere with or disrupt the operation, security, or functionality of this website
• Not use this website for any unlawful purpose or in violation of any applicable federal, state, or local law
• Not transmit any harmful, offensive, or malicious content through this website

Violation of these responsibilities may result in termination of your access to our services and potential legal action.

All content on this website, including but not limited to text, graphics, logos, icons, images, layout, design, branding, and software, is the exclusive property of Hodges Insurance Agency or its content suppliers and is protected by applicable United States and international intellectual property laws.

You may not copy, reproduce, republish, upload, post, transmit, distribute, or modify any content from this website without the prior express written permission of Hodges Insurance Agency. Limited personal, non-commercial use of website content is permitted solely for informational purposes.

To the maximum extent permitted by applicable law, Hodges Insurance Agency, its officers, directors, employees, agents, and affiliates shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of business, revenue, profits, or anticipated savings
• Business interruption or loss of business opportunity
• Loss of data or information
• Damages arising from reliance on information provided on this website
• Website interruptions, errors, or unavailability

This limitation applies regardless of the theory of liability (contract, tort, negligence, or otherwise) and even if Hodges Insurance Agency has been advised of the possibility of such damages.

This website may contain hyperlinks to external websites operated by third parties. These links are provided for your convenience and informational purposes only. Hodges Insurance Agency does not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any third-party websites. Accessing third-party websites through links on our site is done entirely at your own risk.

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. By using this website, you consent to the data practices described in our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.

You agree to indemnify, defend, and hold harmless Hodges Insurance Agency and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of this website; (b) your violation of these Terms and Conditions; (c) your violation of any third-party rights; or (d) any information you submit through this website.

We reserve the right to update, modify, or discontinue this website and these Terms at any time without prior notice. Modifications to these Terms become effective immediately upon posting to the website. We encourage you to review these Terms regularly to stay informed of any changes. Your continued use of the website after any modifications constitutes your acceptance of the revised Terms.

These Terms and Conditions 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 dispute arising under or relating to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Franklin County, North Carolina. You consent to personal jurisdiction in such courts.

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Hodges Insurance Agency with respect to your use of this website and supersede all prior or contemporaneous communications, agreements, and understandings, whether written or oral, relating to such subject matter.

If you have questions or concerns regarding these Terms and Conditions, please contact us: