Terms and Conditions
Updated September 2026
WELCOME
These Terms of Service ("Terms") govern your use of standrewsins.com (the "Website"), operated by St. Andrews Insurance Agency ("St. Andrews," "we," "us," or "our"). By using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
These Terms cover the Website only. Any insurance policy you buy through us is governed by the policy documents issued by the insurance carrier.
QUOTE REQUESTS DO NOT BIND COVERAGE
Submitting a quote request, a policy change, or any other form on the Website does not create, bind, change, or cancel insurance coverage. Coverage begins only when it has been confirmed to you in writing by St. Andrews or the insurance carrier. Changes to an existing policy take effect only once they have been confirmed the same way.
Quotes are estimates based on the information you provide. They are subject to underwriting review and carrier approval, and they may change.
ACCURACY OF INFORMATION YOU PROVIDE
You agree that the information you submit through the Website is accurate and complete, and that you have the right to share it. Insurance carriers rely on this information to decide on eligibility and pricing. Incomplete or inaccurate information may affect your quote, your coverage, or the outcome of a claim.
WEBSITE INFORMATION IS NOT ADVICE
Content on the Website is for general information only. This includes coverage descriptions, blog articles, and FAQs. It is not legal, tax, or financial advice, and it does not describe the terms of any specific policy. Coverage, limits, exclusions, and discounts vary by carrier and policy. The terms of your policy documents always control. For guidance about your own situation, please speak with one of our licensed agents.
INSURANCE CARRIERS
St. Andrews is an independent insurance agency and works with a number of insurance carriers. We do not issue policies ourselves. Policies are issued, and claims are decided, by the carrier. Carrier names and logos on the Website belong to those carriers, and their appearance on the Website does not mean every carrier is available for every type of coverage or in every area.
CLAIMS
The Website is not a way to report a claim. If you need to file a claim, contact your insurance carrier directly as described in your policy documents, or call our office at (850) 785-2383 during business hours and we will help you get started.
INTELLECTUAL PROPERTY
St. Andrews and/or its licensors own the content on this Website, including text, graphics, logos, and images. You may view and print pages for your own personal, non-commercial use. You may not use our name, logo, or content for any other purpose without our written permission.
ACCEPTABLE USE
When using the Website, you agree not to:
- Republish, sell, sublicense, or commercially use any Website material
- Submit false, misleading, or fraudulent information, including requests made on behalf of someone else without their permission
- Use the Website in any way that damages it, disrupts it, or impairs other users' access
- Use automated tools to scrape, mine, or harvest data from the Website
- Attempt to gain unauthorized access to the Website or its connected systems
- Use the Website in violation of any applicable law
THIRD-PARTY LINKS AND SERVICES
The Website may link to third-party websites, including insurance carrier websites and payment or policy-service portals. We are not responsible for the content, policies, or practices of those websites. Your use of them is governed by their own terms.
NO WARRANTIES
The Website is provided "as is" and "as available." We do not guarantee that it will be error-free, uninterrupted, or free of harmful components. We make no warranties about the Website or its content, to the fullest extent permitted by law.
LIMITATION OF LIABILITY
To the fullest extent permitted by law, St. Andrews and its officers, employees, and agents are not liable for any indirect, incidental, or consequential damages arising from your use of the Website. Your insurance coverage is governed by your policy documents.
CHANGES TO THESE TERMS
We may update these Terms from time to time. When we do, we will post the new version on this page with a revised "Last Updated" date. If you continue to use the Website after a change, you accept the updated Terms.
GOVERNING LAW
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any disputes will be resolved in the state or federal courts serving Bay County, Florida.
SMS TERMS
If you provide your mobile number and check the opt-in box on our forms, you agree to receive recurring text messages from St. Andrews Insurance. These may include updates about your quote or policy, service notifications, offers, and news.
Message frequency varies.
Message and data rates may apply.
Reply STOP to opt out at any time. Reply HELP for help, or call us at (850) 785-2383 or email saiai@standrewsins.com.
Consent to receive text messages is not a condition of purchase.
Carriers are not liable for delayed or undelivered messages.
We do not sell or share your mobile number with third parties for their marketing purposes. To learn how we collect and use your information, see our Privacy Policy.
CONTACT US
St. Andrews Insurance Agency
1742 West 15th Street, Panama City, FL 32401
Phone: (850) 785-2383
Email: saiai@standrewsins.com