Terms of Service
Last updated: July 20th, 2026
1. Acceptance of These Terms
By using this website (https://www.robertcolucci.com), you agree to these Terms of Service. If you do not agree, please do not use this site or submit any information through our quote forms.
2. Who We Are
This website is owned and operated by Robert Colucci, a licensed Florida insurance agent. We provide insurance information and quotes for:
- Homeowners and condo insurance
- Renters insurance
- Auto insurance
- Life insurance
- Dental and vision plans
- Short‑term medical coverage
- Landlord and rental/income property insurance
- Real estate investor and portfolio coverage
3. Use of This Website
You agree to use this website only for lawful purposes and in a way that does not interfere with its operation or security. You may not attempt to bypass security measures, scrape data, or misuse any forms or contact features.
4. Informational Content Only
The content on this website is provided for general educational and informational purposes. It is not legal, tax, or financial advice. Insurance decisions should be made based on your specific situation, carrier terms, and policy documents.
5. Quotes and Coverage
Any quotes, estimates, or coverage descriptions provided through this site are:
- Subject to underwriting approval
- Subject to carrier guidelines and eligibility
- Not guaranteed until a policy is issued and paid
Final coverage, limits, deductibles, and exclusions are determined by the insurance policy issued by the carrier, not by this website.
6. Third‑Party Carriers and Partners
We work with multiple insurance carriers and partners to provide quotes and coverage options. Each carrier has its own terms, conditions, and underwriting rules. We are not responsible for the internal policies or decisions of any third‑party carrier.
7. Accuracy of Information You Provide
You agree that all information you submit through quote forms or contact forms is accurate and complete to the best of your knowledge. Incorrect or incomplete information may result in:
- Inaccurate quotes
- Coverage denials
- Policy cancellations
8. Data and Privacy
Use of this website is also governed by our Privacy Policy. By using this site and submitting information, you agree to the collection and use of your data as described in that policy.
9. No Guarantee of Results or Rankings
We do not guarantee any specific outcome, savings amount, coverage approval, or policy issuance. All insurance decisions are subject to carrier underwriting and regulatory requirements.
10. Limitation of Liability
To the fullest extent permitted by law, we are not liable for:
- Indirect, incidental, or consequential damages
- Losses arising from use or inability to use this website
- Errors or omissions in content or quotes
Your sole remedy for dissatisfaction with this site is to stop using it.
11. External Links
This website may link to external sites for additional information. We are not responsible for the content, policies, or practices of those external websites.
12. Changes to These Terms
We may update these Terms of Service from time to time. The latest version will always be posted on this page. Continued use of the site after changes are posted means you accept the updated terms.
13. Contact Information
If you have questions about these Terms of Service, you can contact:
Website: https://www.robertcolucci.com
Get Florida Home Insurance Quotes
If you’d like help reviewing home insurance options or need a quick binder for a lender or renewal, I make the process simple for your next real estate closing or policy update.