Effective Date: 8/17/2025
Welcome to McKinney Insurance. By accessing or using our website, services, or any materials we provide, you agree to the following Terms & Conditions. Please read them carefully.
1. Acceptance of Terms
By using our services (including quotes, policies, claims assistance, and website tools), you agree to these Terms & Conditions, our Privacy Policy, and any applicable insurance agreements. If you do not agree, please do not use our services.
2. Insurance Products & Services
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No Guarantee of Coverage: Receiving a quote or proposal does not bind coverage. Policies are issued only after acceptance by an insurance carrier, payment of premium, and delivery of a policy document.
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Policy Terms Govern: The actual insurance policy you purchase will control in all respects. Any descriptions on our website or marketing materials are summaries for convenience only.
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State Availability: Our services are primarily intended for Texas residents. Certain products may not be available in all jurisdictions.
3. Use of Website & Materials
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Permitted Use: Our website and materials are for informational purposes only.
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Prohibited Use: You may not misuse our website (e.g., hacking, introducing malware, scraping content, or misrepresenting your identity).
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Intellectual Property: All content, branding, and materials provided by McKinney Insurance remain our property and may not be copied, distributed, or reused without written permission.
4. Client Responsibilities
You agree to:
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Provide accurate, complete, and current information when requesting quotes or services.
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Promptly notify us of changes that could affect your insurance coverage.
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Review your policy documents carefully to confirm accuracy of coverages, limits, and exclusions.
5. Disclaimer of Warranties
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General Information: Content on our website is provided “as is” for informational purposes and may not reflect the most up-to-date legal, regulatory, or insurance developments.
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No Professional Advice: Nothing on our site should be taken as legal, tax, or financial advice. Always consult qualified professionals for those matters.
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Carrier Decisions: McKinney Insurance does not guarantee acceptance of coverage by any carrier, nor the outcome of any claim, as those decisions rest with the carrier.
6. Limitation of Liability
To the fullest extent permitted by law:
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McKinney Insurance is not liable for indirect, incidental, or consequential damages arising from your use of our services.
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Our liability is limited to the extent of services directly provided by us and does not extend to third-party carriers, vendors, or service providers.
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of those sites.
8. Governing Law & Jurisdiction
These Terms are governed by the laws of the State of Texas. Any disputes arising from these Terms or our services will be resolved in the courts of Harris County, Texas unless otherwise required by law.
9. Changes to Terms
We may update these Terms & Conditions at any time to reflect changes in our practices, services, or legal requirements. Updates will be posted with a revised “Effective Date.”
10. Contact Us
If you have any questions about these Terms & Conditions, please contact us:
McKinney Insurance
Phone: (281) 996-0040
Website: https://www.mckinneyinsuranceagency.net
17043 El Camino Real, #101
Houston, TX 77058