Disclaimers & Disclosures

Insurance Brokerage Disclosure

LumiQuote is a licensed independent insurance brokerage. We are not an insurance company, carrier, or underwriter. We do not issue insurance policies or assume underwriting risk. All insurance products quoted, marketed, or sold through LumiQuote are underwritten by licensed third-party insurance carriers. As an independent broker, we represent you, the consumer, and not any particular insurance company.

No Guarantee of Coverage

Receipt of an insurance quote through LumiQuote does not guarantee that an insurance policy will be issued. All applications are subject to underwriting review, approval, acceptance by the insurance carrier, and payment of required premiums. Coverage is not bound until confirmed in writing by the issuing carrier and premium payment has been received and accepted.

Quote Accuracy

Insurance quotes provided through our Services are based on the information you provide and are estimates only. Final premiums, coverage terms, conditions, and exclusions are determined solely by the underwriting insurance carrier. Quotes are valid for a limited time and are subject to change based on additional underwriting information, claims history, credit-based insurance scores, and other risk factors.

California Department of Insurance Notice

LumiQuote operates under the laws and regulations of the State of California Department of Insurance. Complaints against a licensed insurance agent or broker may be directed to:

Consumers have the right to contact the California Department of Insurance directly regarding any dispute or complaint without first exhausting any internal dispute resolution process.

Financing and Down Payment Assistance Disclosure

Down payment financing and premium financing services offered through LumiQuote are provided by third-party financial institutions and licensed lenders. LumiQuote is not a lender, does not make credit decisions, and does not originate loans. All financing is subject to the lender's credit approval, terms, and conditions.

Interest rates, fees, and repayment terms are determined by the financing partner and may vary based on creditworthiness. Please review all loan documents carefully before signing. If you have questions about financing terms, contact the specific lender directly.

LumiQuote may receive compensation from financing partners for referrals. This compensation does not affect the cost of your loan or the terms offered to you.

No Financial or Legal Advice

Information provided on this website or by LumiQuote representatives is for informational purposes only and does not constitute financial, legal, tax, or investment advice. You should consult with qualified professionals regarding your specific circumstances before making insurance or financial decisions.

Website Content Disclaimer

While we strive to provide accurate and up-to-date information, LumiQuote makes no representations or warranties about the completeness, accuracy, reliability, suitability, or availability of the information, products, or services contained on this website. Your use of any information or materials on this website is entirely at your own risk.

Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. LumiQuote does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

Anti-Fraud Notice

Insurance fraud is a crime in California. Anyone who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or who knowingly presents false information in an application for insurance, is guilty of a crime and may be subject to fines and confinement in state prison.

If you suspect insurance fraud, you may report it anonymously to the California Department of Insurance at 1-800-927-HELP (4357) or online at www.insurance.ca.gov.

Electronic Communications Consent

By providing your email address and phone number to LumiQuote, you consent to receive electronic communications from us and our partner carriers and lenders regarding your insurance quotes, policies, and related services. This includes emails, text messages (SMS), and phone calls. Standard message and data rates may apply. You may opt out of marketing communications at any time.

Do Not Call Registry

By submitting your information to LumiQuote, you consent to being contacted by telephone, including calls or texts to any wireless number you provide, even if your number is listed on a state or federal Do Not Call registry. This consent is not a condition of purchase.

License Information

LumiQuote holds California Insurance Broker License #6019098. All insurance products are underwritten by carriers licensed in the states where policies are sold.