Terms of Service
Last updated: October 17, 2026
1. Acceptance of These Terms
Welcome to RobertColucci.com. By accessing or using this website, you acknowledge these Terms of Service. If you do not agree with these terms, please discontinue use of the website.
Additional terms, disclosures, or authorizations may apply when you request insurance quotes, submit applications, or purchase insurance coverage. Nothing in these Terms of Service is intended to waive rights or responsibilities that cannot legally be waived.
2. Who We Are
This website is owned and operated by Robert Colucci, a licensed Florida insurance agent. We provide insurance information and assist consumers with obtaining quotes and evaluating available insurance options, including:
- Homeowners and condo insurance
- Renters insurance
- Auto insurance
- Life insurance
- Dental and vision plans
- Short-term medical coverage
- Landlord and rental property insurance
- Real estate investor and portfolio coverage
Insurance products and carrier availability vary according to licensing, underwriting guidelines, eligibility, and applicable law.
3. Permitted Website Use
You agree to use this website for lawful purposes and not to interfere with its operation, security, or availability.
You may not attempt unauthorized access to website systems, introduce malicious software, submit fraudulent information, or misuse the website’s forms and communication features.
Unauthorized automated collection of website content or personal information is prohibited to the extent permitted by applicable law.
4. Educational and Informational Content
The articles, guides, explanations, and other materials published on this website are provided for general educational and informational purposes.
Although reasonable efforts are made to maintain accurate information, insurance laws, underwriting requirements, carrier guidelines, coverage forms, and market conditions may change. Website information may not reflect every exception, endorsement, eligibility requirement, or subsequent regulatory development.
General website content is not a substitute for reviewing your individual insurance needs, obtaining current carrier information, or examining the terms of an actual insurance policy.
Website content does not constitute legal, tax, or financial advice.
5. Insurance Quotes, Applications, and Binding Coverage
Insurance quotes and estimates are preliminary unless otherwise expressly confirmed by the applicable insurance company or its authorized representative. They may change based on underwriting, inspections, insurance scores where permitted, claims history, property characteristics, coverage selections, and other applicable rating factors.
Submitting an online quote request, completing an application, receiving a premium estimate, or communicating with an insurance agent does not, by itself, establish insurance coverage.
Insurance coverage becomes effective only when properly authorized and bound by the insurer or its authorized representative, subject to the stated effective date, applicable payment requirements, and the terms and conditions of coverage.
A binder may establish coverage before the formal policy documents are issued. Policy issuance, payment arrangements, and any continuing underwriting requirements depend on the applicable insurer and transaction.
Coverage availability, eligibility, premiums, discounts, deductibles, and policy issuance are not guaranteed by this website.
6. Insurance Policy Terms and Coverage
Descriptions of insurance coverage on this website are general summaries and do not amend, extend, or replace an insurance policy.
Actual insurance coverage is governed by the applicable binder or insurance contract, including its terms, conditions, limits, deductibles, exclusions, and endorsements, subject to applicable law.
In the event of a conflict between general website information and the applicable insurance contract, the insurance contract governs, subject to applicable law.
No statement on this website should be interpreted as a guarantee that a particular claim will be covered or paid.
7. Insurance Carriers and Third Parties
As an independent insurance agent, Robert Colucci may assist consumers in comparing insurance products offered by participating carriers.
Insurance companies establish their own underwriting guidelines, eligibility criteria, and applicable rating plans, subject to regulatory requirements. Carrier decisions regarding acceptance, pricing, renewal, cancellation, and claims are governed by the applicable policy and law.
RobertColucci.com does not guarantee the availability of any particular insurance company or product.
Nothing in this section is intended to exclude responsibility for the website owner’s own acts or omissions where responsibility cannot legally be excluded.
8. Accuracy of Information Submitted
When submitting an insurance quote request, application, or other inquiry, you should provide information that is accurate and complete to the best of your knowledge.
Incorrect, incomplete, or misleading information may affect premium estimates, underwriting eligibility, policy issuance, or coverage determinations, depending on the circumstances and applicable law.
You should promptly notify your insurance agent of material changes or corrections to information previously provided.
9. Privacy and Personal Information
Our collection, use, and handling of personal information are described in our Privacy Policy.
Additional notices or authorizations may be provided when required for particular services, including insurance applications, insurance scoring, or other underwriting activities.
Please review the Privacy Policy before submitting personal information through this website.
10. No Guarantee of Insurance Results
We do not guarantee a particular insurance premium, discount, savings amount, underwriting approval, policy issuance, or claims outcome.
Illustrative premiums, coverage examples, and underwriting discussions are provided for educational purposes and may not reflect the terms available for a specific applicant or property.
Insurance decisions depend on the applicable carrier, product, underwriting information, policy terms, and legal requirements.
11. Website Disclaimer and Limitation of Liability
This website and its general informational content are provided on an as-available basis. Reasonable efforts are made to maintain accurate and accessible information, but uninterrupted availability and freedom from all technical or content errors cannot be guaranteed.
To the fullest extent permitted by applicable law, RobertColucci.com and its owner disclaim liability for indirect, incidental, special, or consequential damages arising from ordinary website access, technical interruptions, or reliance solely on general educational website content.
Visitors should not rely exclusively on general website articles when making decisions about insurance coverage, policy changes, cancellations, or claims. Specific insurance questions should be addressed through direct communication with an appropriately licensed insurance professional and review of the applicable insurance documents.
Nothing in these Terms of Service is intended to eliminate liability for professional negligence, misrepresentation, statutory violations, or other conduct for which liability cannot lawfully be excluded.
Nothing in these terms limits rights or remedies provided by applicable insurance policies or law.
12. Misuse of Website and Responsibility for Conduct
Visitors are responsible for their own unlawful, fraudulent, or unauthorized use of this website.
To the extent permitted by applicable law, a visitor who knowingly engages in unlawful or fraudulent website activity may be responsible for resulting losses or expenses directly attributable to that conduct.
This provision is not intended to require consumers to indemnify the website owner for the owner’s own negligence, professional errors, or other conduct for which responsibility cannot lawfully be shifted.
13. External Websites and Links
This website may contain links to third-party websites, insurance companies, government resources, or other external information.
These websites are operated independently and may have their own terms, privacy policies, and content standards.
We do not control external websites and cannot guarantee the accuracy, security, or availability of third-party content.
14. Changes to These Terms
These Terms of Service may be updated periodically to reflect changes in website operations, insurance practices, or applicable requirements.
The current version will be published on this page with its effective revision date. Continued website use after an update may be subject to the revised terms, to the extent permitted by applicable law.
15. Contact Information
For questions about these Terms of Service, please contact Robert Colucci.
Website: https://www.robertcolucci.com/