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Terms of Use

Terms governing your use of this website, quote requests, and online communications.

Effective May 8, 2026

Effective Date: May 8, 2026

1. Acceptance of These Terms

These Terms of Use ("Terms") govern your access to and use of 1fcinsurance.com and any pages, forms, and online services offered through it (collectively, the "Site"), operated by First Choice Insurance Agency, LLC ("First Choice Insurance," "we," "us," or "our"). By accessing or using the Site, or by submitting a quote, contact, or callback request, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

2. Eligibility

The Site is intended for individuals who are at least 18 years old and located in the United States. By using the Site you represent and warrant that you meet these requirements.

3. Independent Agency Disclosure

First Choice Insurance is an independent insurance agency licensed in the State of Florida. We are not an insurance company. We represent multiple unaffiliated insurance carriers and place coverage with the carrier we believe best fits your needs based on the information you provide. The carriers, not us, decide whether to offer coverage and on what terms.

4. Site Content Is Not Insurance Advice

Information on the Site is provided for general informational purposes only. It does not constitute legal, tax, financial, or professional insurance advice, and it should not be relied on as the sole basis for any insurance decision. Coverage availability, pricing, terms, exclusions, and conditions vary by carrier, jurisdiction, applicant, and risk. Always read your policy and consult a licensed insurance professional about your specific situation.

5. Quotes Are Estimates Only

Any premiums, rates, or coverage descriptions presented on or through the Site are illustrations and estimates only. They are not offers to insure and are not binding. Coverage is bound only when an authorized carrier issues a written policy, the applicable premium is paid, and any conditions of coverage are satisfied. Quoted figures are subject to underwriting review, verification of the information you provide, claims history, motor vehicle reports, credit-based insurance scores (where permitted by law), inspection results, and other underwriting factors, and may change without notice.

6. Accurate Information

You agree to provide information that is current, complete, and accurate when you contact us, request a quote, or apply for coverage. Submitting false, misleading, or fraudulent information may result in denial of coverage, cancellation or rescission of a policy, denial of claims, and — under Florida law — civil and criminal penalties. Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

7. Communications Consent

By submitting your phone number on the Site you authorize First Choice Insurance and its representatives to contact you at that number — including by text message and by automated, prerecorded, or artificial-voice calls — about your inquiry, your quote, your policy, or related insurance products and services. Standard message-and-data rates may apply. Consent to marketing calls or texts is not a condition of purchasing any insurance product. You may withdraw consent or opt out at any time by replying "STOP" to a text, telling the agent on a call, or contacting us in writing using the details below. By submitting your email address you consent to receive emails from us at that address concerning your inquiry, your quote, your policy, or related agency communications.

8. License to Use the Site

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your own personal, non-commercial purposes related to obtaining information about, requesting a quote for, or managing insurance offered through us.

9. Prohibited Conduct

You agree not to:

  • Use the Site in violation of any law, regulation, or these Terms
  • Submit false, deceptive, or misleading information
  • Attempt to gain unauthorized access to the Site, our systems, or another person's information
  • Interfere with or disrupt the Site, including by introducing viruses, malware, or other harmful code
  • Scrape, crawl, harvest, or otherwise extract data from the Site by automated means without our prior written consent
  • Reverse engineer, decompile, or disassemble any portion of the Site
  • Use the Site to send unsolicited commercial communications or to impersonate any person
  • Use the Site, or any data obtained from it, to compete with us, including to build any competing service or dataset

10. Intellectual Property

The Site — including its text, graphics, photographs, design, layout, logos, trademarks, code, and other content (other than carrier marks and other third-party content) — is owned by or licensed to First Choice Insurance and is protected by U.S. and international intellectual-property laws. Except for the limited license granted in Section 8, no rights in the Site are granted to you. You may not copy, modify, distribute, sell, lease, or create derivative works from any portion of the Site without our prior written permission.

11. Carrier and Third-Party Marks

Carrier names, logos, and product names displayed on the Site are the trademarks or service marks of their respective owners. They are used solely to identify the insurance products and carriers we represent and do not imply endorsement of First Choice Insurance by, or affiliation with, those carriers beyond the agency relationships we have disclosed.

12. Third-Party Links and Services

The Site may contain links to third-party websites and services, including carrier portals, payment processors, mapping services, and social-media platforms. We do not control those sites and are not responsible for their content, privacy practices, or terms of use. Accessing third-party sites is at your own risk and subject to those sites' own policies.

13. User Submissions

If you submit content to us through the Site (such as messages on the contact form), you represent that you have the right to do so and grant us a non-exclusive, royalty-free, worldwide license to use that content for the purpose of responding to your inquiry, providing the services you have requested, complying with our legal obligations, and improving the Site. We are under no obligation to keep submitted content confidential except as required by our Privacy Policy or applicable law.

14. No Warranty

THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL FIRST CHOICE INSURANCE OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100). NOTHING IN THESE TERMS LIMITS OR EXCLUDES LIABILITY THAT CANNOT LAWFULLY BE LIMITED OR EXCLUDED. THIS SECTION DOES NOT APPLY TO OUR OBLIGATIONS UNDER ANY INSURANCE POLICY ISSUED BY A CARRIER OR TO ANY CLAIM A POLICYHOLDER MAY HAVE AGAINST AN ISSUING CARRIER UNDER A POLICY.

16. Indemnification

You agree to defend, indemnify, and hold harmless First Choice Insurance and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your breach of these Terms, your misuse of the Site, your violation of any law or the rights of a third party, or any false or misleading information you provide to us.

17. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including any actual or suspected violation of these Terms. The provisions that by their nature should survive termination — including Sections 6 (Accurate Information), 10 (Intellectual Property), 14 (No Warranty), 15 (Limitation of Liability), 16 (Indemnification), 18 (Governing Law), 19 (Dispute Resolution), and 22 (General) — will survive.

18. Governing Law

These Terms and any dispute arising out of or related to them or to the Site are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

19. Dispute Resolution and Venue

Before initiating any formal proceeding, you agree to contact us at the address below and to give us at least thirty (30) days to attempt to resolve the dispute informally. If a dispute is not resolved informally, you and we agree that the exclusive jurisdiction and venue for any action arising out of or related to these Terms or the Site will be the state or federal courts located in Miami-Dade County, Florida, and each party consents to the personal jurisdiction of those courts. Nothing in this section limits either party's right to seek injunctive relief in any court of competent jurisdiction to protect intellectual property or confidential information.

20. Changes to These Terms

We may revise these Terms from time to time. The most current version will always be posted on this page with a revised "Effective Date." Material changes will be highlighted at the top of the page when posted. Your continued use of the Site after a change becomes effective constitutes your acceptance of the revised Terms.

21. Contact

Questions or notices regarding these Terms can be directed to:

First Choice Insurance Agency, LLC
7540 SW 117th Avenue, Miami, FL 33183
info@1fcinsurance.com
(786) 360-1021

22. General

These Terms, together with our Privacy Policy, are the entire agreement between you and First Choice Insurance regarding your use of the Site, and supersede any prior agreements on that subject. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified only to the minimum extent necessary to make it enforceable. Our failure to enforce any provision is not a waiver of our right to do so later. You may not assign or transfer your rights under these Terms; any attempt to do so without our written consent is void. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.