Terms of Service
Effective Date: March 2026
Harbor Insurance Agency
150 Cypress Commons Way, Suite A
Chocowinity, NC 27817
Email: bryan@harbor-ins.com
Phone: (252) 495-0168
Welcome to harbor-ins.com (the "Website"), operated by Harbor Insurance Agency ("we," "us," or "our"). By accessing or using this Website, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.
Use of This Website
This Website is provided for general informational purposes about insurance products and services offered by Harbor Insurance Agency. The content on this Website is not intended as, and shall not be construed as, legal, financial, or professional advice. You should consult with a licensed insurance professional regarding your specific insurance needs and circumstances.
Insurance Quotes and Coverage
Any insurance quotes, estimates, or premium indications provided through this Website or our services are preliminary and for informational purposes only. Quotes are subject to change based on underwriting review and verification of information. No insurance coverage is bound, altered, or canceled through this Website. Coverage becomes effective only when a policy is formally issued and bound by the insurance carrier. All coverage is subject to the terms, conditions, and exclusions of the applicable insurance policy.
Accuracy of Information
You agree to provide accurate, current, and complete information when submitting forms, requesting quotes, or communicating with us through this Website. You are solely responsible for the accuracy of the information you provide. Inaccurate or incomplete information may result in incorrect quotes, coverage denials, or policy cancellations. Harbor Insurance Agency is not liable for any consequences arising from information you provide that is false, misleading, or incomplete.
Intellectual Property
All content on this Website, including text, graphics, logos, images, and software, is the property of Harbor Insurance Agency or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Website without our prior written consent.
Limitation of Liability
To the fullest extent permitted by law, Harbor Insurance Agency and its owner, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of this Website, including but not limited to:
- Errors, inaccuracies, or omissions in Website content
- Any unauthorized access to or use of our servers or personal information
- Any interruption or cessation of Website availability
- Any reliance on information provided through the Website
Our total liability for any claim arising from your use of this Website shall not exceed the amount you paid to us, if any, for accessing the Website.
Third-Party Links
This Website may contain links to third-party websites, including insurance carrier portals, payment processors, and other resources. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. You access third-party sites at your own risk and should review their terms and privacy policies independently.
Disclaimer of Warranties
This Website is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
Indemnification
You agree to indemnify, defend, and hold harmless Harbor Insurance Agency, its owner, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Website or your violation of these Terms.
Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Website after any changes constitutes your acceptance of the revised Terms.
Governing Law
These Terms 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 legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in North Carolina.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Contact Us
If you have any questions about these Terms of Service, please contact us:
Harbor Insurance Agency
150 Cypress Commons Way, Suite A
Chocowinity, NC 27817
Email: bryan@harbor-ins.com
Phone: (252) 495-0168