*The Terms & Conditions have recently been updated.
Terms and Conditions
The following terms and conditions govern the use of any SnapNsure site(s). By using such site(s), you agree to each of these terms and conditions. Please read them carefully. If you do not accept these terms and conditions, please do not continue your use of, and/or access to, this or any other site of SnapNsure Insurance Services, LLC (SnapNsure).
SnapNsure Insurance Service’s contents coverage program is underwritten by The Hanover Insurance Group for all policies with effective dates prior to August 1st, 2020. All policies with effective dates of August 1st, 2020 and after, are underwritten by Pacific Insurance Company Limited, a company of the Hartford with an AM Best Rating A+ XV. SnapNsure may also claim trademark, service mark, and/or other proprietary right(s) in or to other names, tag lines, marks, images, symbols, logos and icons contained or displayed in this site. Any unauthorized use of such marks, images, symbols, logos, or icons may violate copyright, trademark, and/or other laws, statutes, codes or regulations.
SnapNsure maintains all copyrights relating to this site. SnapNsure copyrights or has licensed copyrighted works from others. Any copying, reproduction, distribution, modification, reuse, transmission, reposting or other use of the content of this site, or any portion hereof, for any purpose, including without limitation any text, video, audio, or images contained in this site in any form or by any means, electronic or mechanical, without first obtaining written permission from SnapNsure is prohibited. You may request written permission from our Corporate Marketing Department at (855) 762-7467 or by email at info@snapnsure.net.
We reserve the right at all times to discontinue or modify any of our terms and/ or Privacy Policy as deemed necessary or desirable, by posting a change notice or new agreement on this website. Any modifications become effective immediately upon being posted to the website. Therefore, we suggest that you re-read this important notice containing our Terms and Conditions and Privacy Policy from time to time in order that you stay informed as to any such changes. Any use of the website by you after such notice shall be deemed to constitute acceptance by you of such modifications.
The information contained in this site is for informational purposes only. It is not an offer to sell or a solicitation of an offer to buy any insurance product or security. SnapNsure Insurance Services, LLC, its subsidiaries and affiliates will not sell their products where it is unlawful under the insurance laws or other laws of any jurisdiction.
THIS SITE AND ALL CONTENT CONTAINED HEREIN IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND OR NATURE, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR USE OR PURPOSE. SNAPNSURE DOES NOT WARRANT OR REPRESENT THAT EITHER THIS SITE OR THE SERVER BY WHICH THE SITE IS MADE AVAILABLE IS OR WILL BE FREE FROM HARMFUL OR DAMAGING COMPONENTS, INCLUDING WITHOUT LIMITATION VIRUSES OR DISABLING DEVICES, NOR DOES SNAPNSURE WARRANT OR MAKE ANY REPRESENTATION CONCERNING THE USE OF MATERIALS ON THIS SITE, OR THE RESULTS OF SUCH USE, WHETHER IN TERMS OF THE RELIABILITY, ACCURACY, OR CORRECTNESS THEREOF, OR OTHERWISE. SNAPNSURE NEITHER REPRESENTS NOR WARRANTS THAT THE USE OF THE MATERIALS DISPLAYED ON THIS SITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED BY OR AFFLILIATED WITH SNAPNSURE. SNAPNSURE DOES NOT WARRANT OR REPRESENT THAT THIS SITE IS OR WILL BE FREE FROM INACCURACY, DEFECT, ERROR OR INTERRUPTION, OR THAT THE FOREGOING, IF ANY, WILL BE CORRECTED.
You agree to defend, indemnify and hold harmless snapnsure, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys’ fees, arising out of the use of this Web Site and/or your use and/or purchase of the Services and/or products of snapnsure.
SnapNsure shall not, under any circumstances, be liable for any damages, claims, losses or expenses, including without limitation any direct, indirect, special, incidental or consequential damages, arising out of or in connection with this site, including without limitation any use of and/or any inability to use this site, for any cause of action of any kind (including tort, contract, negligence or strict liability). The foregoing shall apply even if SnapNsure, or a duly-authorized representative thereof, has been advised of the possibility of such damages, claims, losses or expenses. Applicable law may not allow the limitation or exclusion of liability and/or certain damages, and the aforementioned exclusion(s) and/or limitation(s) may, therefore, not apply to you. However, the total liability of SnapNsure to you for any and all damages, claims, losses or expenses arising out of or in connection with this site shall not, in any event or in any circumstance, exceed the amount paid by you, if any, in order to access this site.
SnapNsure shall not be responsible or liable for any computer virus or other contamination of your system. It is your responsibility, and not the responsibility of SnapNsure, to scan any downloadable materials received over or from the Internet. By using this site, you accept, at your own risk, that the Internet and/or such other on-line medium as may be applicable may not perform as intended, and that transmission of information on-line, over the Internet, or via electronic means may be insecure, unstable and/or unreliable.
By accessing this site you agree that any use of this site and the terms and conditions contained herein will be binding upon each party hereto and its successors and permitted assigns, and governed by and construed in accordance with the laws of the state of California without reference to conflict of law principles, and in the event of a dispute the parties agree to the exclusive jurisdiction of the courts located in Irvine, Orange County, California. By accessing this site, you agree to the personal jurisdiction of the state and federal courts sitting in the State of California. By entering into these Terms of Service, you hereby irrevocably waive any right you may have to join claims with those of others in the form of a class action or similar procedural device. Any claim arising out of, relating to or connected with these Terms and Conditions or your use of any services or products of SnapNsure must be asserted individually. Notwithstanding anything to the contrary in this section, we may seek equitable relief, including, without limitation, injunctive relief and specific performance, without the requirement of posting a bond or other security or proving money damages are insufficient, from a court of competent jurisdiction.
In the event that any provision of these terms and conditions should be determined to be invalid, unenforceable or unlawful, for any reason, the invalid, unenforceable or unlawful provision shall be severable from the provisions remaining, and the provisions not held to be invalid, unenforceable or unlawful shall remain in full force and effect.
Any dispute with respect to this site shall be fully and finally settled by arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association, and judgement upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Venue for the arbitration shall be in Orange California. Links to external sites may be provided as a convenience to visitors to The SnapNsure site. SnapNsure does not vouch for, warrant, or assure the accuracy, availability, or suitability of any external sites. SnapNsure shall not be directly or indirectly liable or responsible in any manner for any loss or damage caused, or allegedly caused, by or in connection with any external site connected by a link to The SnapNsure site, including without limitation any such site’s use of information and/or terms thereof. A link to any external site does not constitute endorsement of, adoption of, or agreement with the views, products and/or services offered on such sites.
In the event that you purchase products from SnapNsure or a third party, that purchase shall be governed and controlled by the terms and conditions of the agreement(s) applicable to that transaction. This site does not amend, modify, or supplement such agreement(s).
SnapNsure may, at any time and at SnapNsure’s sole discretion, change or modify this site, including without limitation its content and availability, without notice. There is no commitment on the part of SnapNsure to update the information contained herein. SnapNsure may also change or modify these terms and conditions, and in the event that SnapNsure should do so, your use of this site following such change or modification shall constitute your agreement to changed or modified terms and conditions.
The content of this site, including any online calculators and any links to other sites, is provided for general informational purposes only and is not intended to supply professional advice of any type, including without limitation any tax, financial, accounting or legal advice. If you have a question that requires such advice, you should consult a qualified professional for a personal consultation.
We may suspend or terminate your use of the Web Site if we believe, in our sole and absolute discretion, that you have breached a term of these Terms and Conditions.
Should any part of these Terms and Conditions be held invalid or unenforceable, that portion will be construed consistent with applicable law and the remaining portions will remain in full force and effect. Our failure to enforce any provision of these Terms and Conditions will not be considered a waiver of the right to enforce such provision. These terms (including all of the policies and other agreements and terms described, which are hereby incorporated by reference) contain the entire understanding of the parties regarding its subject matter and supersedes all prior and contemporaneous agreements and understandings between the parties regarding its subject matter.
These terms will not be assignable or transferable by you without the prior written consent of SnapNsure. This is the entire agreement between you and us relating to the subject matter herein and will not be modified except in writing signed by both parties.
Any comments or materials sent to us regarding any contents found on this website, including, without limitation, feedback data, ideas, graphics, questions, comments or suggestions (collectively “Feedback”), will not be treated as confidential (unless otherwise specified by our Privacy Statement) and will become our exclusive property. We have no obligation of any kind with respect to such Feedback and will be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback.
For fixed storage, SnapNsure will not provide coverage unless all insured goods are in the care, custody and control of and handled by an approved secured self-storage facility that meets the requirements set out below in a) through c). . Insurance will be bound only under the following conditions:
a) facility has a fence constructed around it with specific and monitored entry points;
b) facility has a central station 24 hour monitored security and Closed Circuit TV (CCTV) system; and
c) facility is constructed of metal or brick materials.
Any goods stored in facilities which do not comply with these requirements will not be covered. Additionally, the determination as to whether the facility in question meets SnapNsure’s requirements is solely within SnapNsure’s discretion.
For mobile storage, SnapNsure will provide coverage per the terms listed above but will not provide burglary coverage for items stored unless it is stored at a secure storage facility.
Prior to coverage being issued and prior to any payment made on any reported claim, you agree to provide SnapNsure with sworn verification of the contents to be insured. This verification will include but is not limited to photographs of the items to be insured with available time stamps, certified/verified appraisals of the items to be insured, and any applicable invoices/receipts evidencing their reasonable market value or cost at time of purchase.
Before recovering for any loss you will, if requested:
a) permit us to inspect the damaged property before it is disposed of or repaired;
(b) provide a sworn statement of loss containing the information we request to settle your claim. You must do this within 60 days of our request;
c) agree to examinations under an oath at our request;
d) produce others for examination under an oath at our request;
e) provide us with all pertinent records and reports needed to prove the loss;
f) cooperate with us in the investigation or settlement of the loss.
Following is the schedule of valuation for the insured items.:
- Home contents and personal effects must be valued at the current market value.
- Data storage media must be valued at the cost of new blank media.
Failure to insure the property covered for the correct sum insured will result in any claim for loss or damage being limited to a value assigned by SnapNsure in its sole discretion based on the proof of the insured items submitted with the application. Moreover, SnapNsure will impose a $2,000.00 maximum payment limit on any individual item covered by an applicable policy.
We do not insure:
(a) Loss or damage to any item unless the premium for the insurance has been received and paid in full;
(b) Accounts, bills, currency, deeds, evidences of debt, securities, money, notes, animals, jewelry, watches, precious or semi-precious stones, furs or garments trimmed in fur;
(c) Against loss or damage caused by, resulting from, contributed to or aggravated by flood, surface water, waves, tidal water or tidal wave, overflow of streams or other bodies of water, or spray from any of the foregoing, all whether driven by wind or not unless the proper endorsement has been purchased;
(d) Against burglary, unless it occurred by forcible entry into a securely locked storage space provided there are visible marks of such forcible entry upon the exterior of the storage space. The mere absence of a lock or padlock will not constitute visible marks of forcible entry. Loss under this coverage must be immediately reported to the police department;
(e) Against loss or damage caused by or resulting from wear and tear, gradual deterioration, inherent vice, latent defect, moths, insects, rodents, vermin, mildew, wet or dry rot, atmospheric condition and or changes in temperature; breakage of glass or similar fragile articles; delay, loss of use or market;
(f) War and military action, whether undeclared or civil war, any action by any military force, insurrection, rebellion, revolution, usurped power or any action by any governmental authority defending against any of these actions and governmental action;
(g) Nuclear hazard, nuclear reaction or radiation or radioactive contamination, unless fire ensues, and then we only insure the loss or damage caused by the fire;
(h) Plants and living things;
(i) Appraisal fees, shipping charges, sales tax, items having no commercial value, items of sentimental value or property damage, subsequent loss of value is not covered beyond the repair or replacement cost of the item or its parts;
(j) Loss or damage to the self-storage facility in which the goods are insured at;
(k) Loss or damage due to contributory negligence on the part of the owner and/or their agents. Damages or loss attributed to an act, order, or omission on the part of the insured. This certificate specifically excludes coverage for the following, and any damages caused as a result of these being in the shipment: hazardous materials, items that are flammable, corrosive or explosive; perishables: food, plants or living things that may die or spoil in transit;
(l) Loss or damage due to non-payment of rental space, causing a lien sale of goods by the self-storage operator;
(m) Mysterious disappearance.
SnapNsure accepts online payment of your premium via credit card. By making a credit card payment, you are agreeing to accept these terms and conditions and perhaps additional terms required by the card processor or bank. By entering your credit card information, you are confirming that you are authorized to use the card and that all information is accurate. By making a payment, you are authorizing SnapNsure or its designee to charge the amount requested to your credit card.
Additionally, by making this payment, you are also authorizing SnapNsure or its designee to return any funds due to you directly to your credit card to resolve any overpayment or refund. In addition to any charges you have authorized to SnapNsure, your credit card issuer may additionally assess any transaction charges associated with your card. In the event your issuer declines or reverses any payment you make to SnapNsure, you agree to pay a reasonable service charge to SnapNsure and reimburse SnapNsure for all reasonable collection costs.
Additionally by using your credit card to make a payment, you warrant and represent that 1) you are 18 years of age or over; 2) you have the appropriate authority to validly accept the Online Payment Terms and are able to and will meet your obligations in relation to these Terms; 3) that the credit card used is issued in your name or you are authorized to use the credit card; 4) you will pay the credit card issuer all charges incurred; and 5) that the information supplied by you is true and correct. Moreover, by using SnapNsure’s online credit card facilities you accept and consent to your personal data being provided to the Service Provider for sole purpose of offering and administering the online payment. We respect the privacy of every individual who visits our site. SnapNsure’s Terms and Conditions for online credit card payments are subject to change at any time. Each transaction shall be subject to the specific Terms and Conditions that were in place at the time of the transaction.
By agreeing to these Terms and Conditions, you agree that all policies are prepaid. If a payment is denied, the policy is on hold and no coverage is available until the required payment has been received. You acknowledge that there is no coverage provided by the policy for any loss that occurs while a policy is on hold. If a policy is on hold for over one week without a payment being received, the policy will be cancelled. You further agree that all policies will automatically renew and that your credit card/payment method will be automatically billed upon the renewal date unless you cancel the policy by providing written notice to SnapNsure of your intent to cancel your policy. If you cancel your policy within 24 hours after the renewal date, you will receive a 90% refund of the premium. For monthly term policies, No refunds will be issued for any cancellations that occur after 24 hours of the renewal date and all such sales are final. For those policies with 6 and 12 month terms, you will have 1 week from the date of renewal to receive a 90% refund and within 1 month to receive a 50% refund. After one month, no refunds are available. You further acknowledge and agree that each policy is for a single unit and that each such policy will not provide insurance coverage for any additional unit(s) you may be responsible for.
By using the Site, you agree to the collection and use of information in accordance with this policy. While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to your name (“Personal Information”). Like many site operators, we collect information that your browser sends whenever you visit our Site (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. SnapNsure will store all the personal information you provide on its secure servers.
SnapNsure may use your personal information to:
- administer this website;
- personalize the website for you;
- enable your access to and use of the website services;
- publish information about you on the website;
- send to you products that you purchase;
- supply to you services that you purchase;
- send to you statements and invoices;
- collect payments from you; and
- send you marketing communications.
SnapNsure may collect and use the following kinds of personal information:
- information about your use of this website;
- information that you provide using for the purpose of registering with the website;
- information about transactions carried out over this website bit not your payment information;
- information that you provide for the purpose of subscribing to the website services; and
- any other information that you send to SnapNsure.
In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, SnapNsure may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights or to third parties for marketing or other sale purposes. SnapNsure will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.
All Transactions are final. By agreeing to these Terms and Condition, you acknowledge and agree that no refunds will be made for any premiums paid which premiums are considered earned when the services and/or products are purchased except as noted herein. Please therefore make sure you read these Terms and Conditions carefully.
