Terms of Use
Effective Date: May 4, 2026
These Terms of Use (“Terms”) govern your access to and use of the website operated by Cubbedge-Wiggins Insurance (“Cubbedge-Wiggins Insurance,” “we,” “us,” or “our”), including any pages, forms, quote request tools, contact features, SMS messaging, email communications, and other services that link to or reference these Terms.
By accessing our website, submitting information through our forms, requesting a quote, contacting us, or providing your phone number or email address, you agree to these Terms. If you do not agree to these Terms, please do not use our website or services.
1. About Cubbedge-Wiggins Insurance
Cubbedge-Wiggins Insurance is an insurance agency located in Florida. We work through Allstate and assist individuals, families, and businesses with insurance-related questions, quote requests, applications, policy service requests, and general inquiries. Our website is intended to provide general information about our agency and allow visitors to contact us or request insurance-related assistance.
2. Use of the Website
You may use our website to learn about insurance products and services, submit a contact form, request a quote, or communicate with our team. You agree not to: • Use the website for any unlawful, fraudulent, abusive, or harmful purpose • Submit false, misleading, incomplete, or unauthorized information • Interfere with or disrupt the operation or security of the website • Attempt to access systems, data, or areas of the website that you are not authorized to access • Copy, scrape, reproduce, or distribute website content without written permission • Use the website in a way that violates any applicable law or regulation We reserve the right to restrict or terminate access to our website or services if we believe these Terms have been violated.
3. Website Content
The information on our website is provided for general informational purposes only. Website content may include descriptions of insurance products, services, coverage types, agency information, or general educational materials. Website content does not guarantee coverage, pricing, eligibility, availability, or policy approval. Insurance coverage is subject to underwriting, eligibility requirements, policy terms, exclusions, limitations, and the final policy issued by the applicable insurance carrier.
4. No Binding Insurance Coverage
Submitting a form, requesting a quote, sending a message, receiving a response, or communicating with Cubbedge-Wiggins Insurance does not create binding insurance coverage. Coverage is not effective unless and until it is confirmed in writing by the applicable insurance carrier or authorized representative and all required conditions are satisfied. Any quote provided is an estimate based on the information available at the time and may change based on underwriting review, eligibility, coverage selections, discounts, carrier rules, or additional information.
5. Accuracy of Information You Provide
You agree that any information you submit to us is accurate, current, and complete to the best of your knowledge. Insurance quotes, applications, policy changes, and service requests may depend on the accuracy of the information you provide. Inaccurate or incomplete information may affect quote results, eligibility, coverage availability, premiums, claims handling, or policy issuance.
6. Third-Party Insurance Carriers and Services
Cubbedge-Wiggins Insurance works through Allstate and may interact with Allstate, its affiliates, insurance carriers, underwriters, claims representatives, technology providers, or other insurance-related service providers. Third-party services, websites, applications, portals, or carrier systems may be governed by their own terms, conditions, privacy policies, and legal notices. We are not responsible for the content, policies, security, or practices of third-party websites or services.
7. Communications Consent
By submitting your contact information through our website, contact forms, quote forms, or by otherwise providing your information to Cubbedge-Wiggins Insurance, you agree that we may contact you by phone, text message, or email regarding your message, question, quote request, application, policy, claim, or service inquiry. You represent that you are the rightful owner or authorized user of any phone number or email address you provide.
8. SMS Messaging Terms
If you provide your mobile phone number, you consent to receive text messages from Cubbedge-Wiggins Insurance related to your inquiry, quote request, application, policy, claim, appointment, or service request. Message frequency may vary depending on your interaction with us. Message and data rates may apply based on your wireless carrier plan. Cubbedge-Wiggins Insurance does not charge for SMS messages. However, we are not responsible for delayed, blocked, failed, or undelivered messages caused by your carrier, device, service provider, or other technical issues. You may revoke SMS consent at any time by contacting Cubbedge-Wiggins Insurance at (352) 373-0333 or stefaniecubbedge@allstate.com. We do not sell or share your mobile number, opt-in data, or SMS consent with third parties for their marketing purposes.
9. Email Communications
By providing your email address, you agree that Cubbedge-Wiggins Insurance may email you regarding your inquiry, quote request, application, policy, claim, service request, or other insurance-related communication. You may request to stop receiving marketing emails from us. Even if you opt out of marketing communications, we may still contact you regarding active inquiries, applications, policies, claims, service requests, legal notices, or administrative matters.
10. Privacy
Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, share, and protect information. By using our website or submitting information to us, you acknowledge that you have reviewed our Privacy Policy.
11. Intellectual Property
All content on the website, including text, images, graphics, logos, designs, layouts, and other materials, is owned by Cubbedge-Wiggins Insurance, its licensors, or applicable third parties unless otherwise stated. You may view and use website content for personal, non-commercial purposes related to learning about or requesting our services. You may not copy, modify, reproduce, distribute, display, or use website content for commercial purposes without prior written permission. All third-party trademarks, including Allstate-related names, marks, or logos, belong to their respective owners.
12. Website Availability
We may update, modify, suspend, or discontinue any part of the website at any time without notice. We do not guarantee that the website will always be available, uninterrupted, secure, or error-free. We are not responsible for technical issues, internet outages, hosting failures, browser incompatibility, or other problems outside our reasonable control.
13. Disclaimer of Warranties
To the fullest extent permitted by law, our website and related online services are provided on an "as is" and "as available" basis. We make no warranties or representations that: • The website will be uninterrupted, secure, accurate, or error-free • The website will meet your expectations or requirements • Any quote, estimate, or information displayed or provided will be final, binding, or complete • Any insurance product will be available, approved, or issued Nothing on this website should be interpreted as legal, financial, tax, or professional advice.
14. Limitation of Liability
To the fullest extent permitted by law, Cubbedge-Wiggins Insurance, its owners, employees, agents, representatives, and service providers will not be liable for any indirect, incidental, special, consequential, punitive, or similar damages arising out of or related to your use of the website, forms, communications, SMS messages, emails, or services. This includes, but is not limited to, damages related to website errors, unavailable services, delayed communications, inaccurate information submitted by users, third-party services, or reliance on non-binding quote information.
15. Indemnification
You agree to defend, indemnify, and hold harmless Cubbedge-Wiggins Insurance, its owners, employees, agents, representatives, and service providers from and against any claims, damages, liabilities, losses, costs, or expenses arising out of or related to: • Your use of the website • Your violation of these Terms • Information you submit to us • Your violation of any law or regulation • Your misuse of our services or communications
16. Changes to These Terms
We may update these Terms from time to time. When we do, we will update the "Effective Date" at the top of this page. Your continued use of the website, forms, communications, or services after updated Terms are posted means you accept the updated Terms.
17. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any dispute arising from or relating to these Terms, our website, or our services shall be handled in accordance with applicable law and, where permitted, in the appropriate courts located in Florida.
18. Severability
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect.
19. Entire Agreement
These Terms, together with our Privacy Policy and any other notices posted on our website, represent the entire agreement between you and Cubbedge-Wiggins Insurance regarding your use of our website and related online services.
Contact Us
If you have any questions about these Terms, please contact us:
Website: https://cwiflorida.com