Terms of Service

By accessing or using the Standard Casualty Company website and services, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

These Terms apply to all users of our website, including customers, potential customers, agents, and visitors.

Standard Casualty Company provides insurance products and services, including:

• Mobile home and manufactured home insurance coverage
• Online quote requests and policy applications
• Claims reporting and processing services
• Customer service and account management
• Educational resources and information

All insurance coverage is subject to policy terms, conditions, and state regulations. Not all coverage options are available in all states.

Account Information

You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as needed
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

Prohibited Uses

You may not use our services to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, offensive, or illegal content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Use our services for fraudulent purposes
• Scrape, mine, or harvest data from our website

Quote Requests

Online quotes are estimates based on the information you provide. Final premium rates may differ based on:

• Underwriting review and verification
• Inspection results and additional information
• State-specific rates and regulations
• Coverage selections and deductible choices

Policy Terms

Insurance coverage is governed by:

• The terms and conditions of your insurance policy
• State insurance laws and regulations
• Our underwriting guidelines and procedures
• Premium payment requirements and deadlines

Claims Reporting

When reporting claims, you agree to:

• Report losses promptly as required by your policy
• Provide accurate and complete information
• Cooperate with our investigation process
• Allow inspection of damaged property
• Submit required documentation and proof of loss

Fraud Prevention

Insurance fraud is a crime. We investigate all claims and cooperate with law enforcement agencies to prosecute fraudulent activities.

Our website and services contain proprietary content, including:

• Trademarks, logos, and brand names
• Copyrighted text, images, and graphics
• Software code and applications
• Educational materials and resources

You may not reproduce, distribute, or create derivative works without our written permission.

Our website may contain links to third-party websites and services. We are not responsible for:

• The content or practices of third-party sites
• Privacy policies of external websites
• Products or services offered by third parties
• Security or availability of external links

Your use of third-party services is subject to their terms and conditions.

Service Availability

We strive to maintain continuous service availability but cannot guarantee:

• Uninterrupted access to our website or services
• Error-free operation of all features
• Compatibility with all devices and browsers
• Protection against all security threats

Limitation of Liability

To the fullest extent permitted by law, Standard Casualty Company shall not be liable for indirect, incidental, consequential, or punitive damages arising from your use of our services, except as specifically provided in your insurance policy.

You agree to indemnify and hold harmless Standard Casualty Company from any claims, damages, or expenses arising from your violation of these Terms or misuse of our services.

These Terms are governed by the laws of the state where your policy is issued. Any disputes shall be resolved through:

• Good faith negotiation and discussion
• Mediation or arbitration if required by state law
• Appropriate state or federal courts

Insurance coverage disputes are subject to your policy terms and applicable insurance regulations.

We reserve the right to modify these Terms at any time. Changes will be effective when posted on our website. Material changes will be communicated through:

• Website notifications and announcements
• Email notifications to registered users
• Updates to the "Last Updated" date

Continued use of our services after changes constitutes acceptance of the updated Terms.

We may terminate or suspend your access to our services:

• For violation of these Terms
• For fraudulent or illegal activities
• For non-payment of premiums
• At our discretion with reasonable notice

Insurance policy cancellation is governed by your policy terms and state regulations.

For questions about these Terms of Service, please contact us: