Terms and Conditions

Effective Date: July 6, 2026

Welcome to the Peace River Insurance, LLC website. By accessing or using this website, you agree to these Terms and Conditions.

Website Purpose

This website is intended to provide information about insurance products and services offered through Peace River Insurance, LLC and to allow visitors to request insurance quotes or contact our agency.

No Coverage Is Bound

Submitting information through this website does not:

Bind insurance coverage
Modify an existing policy
Reinstate a canceled policy
Guarantee acceptance by an insurance company
Create an agency-client relationship until accepted by Peace River Insurance

Coverage is effective only after confirmation by the insurance carrier or Peace River Insurance and any required premium has been paid.

If you need immediate proof of coverage or policy changes, contact our office directly.

Quotes

Any quote provided through this website is an estimate based upon the information submitted.

Actual premiums, eligibility, discounts, and coverage are determined by the insurance company after underwriting.

User Responsibilities

You agree to provide complete and accurate information when requesting insurance quotes or communicating through our website.

Providing inaccurate or incomplete information may affect eligibility, premium, or coverage.

Electronic Communications

By submitting forms through our website, you consent to receive communications by email, telephone, and, where you have opted in, SMS text messages regarding your insurance inquiries, quotes, policies, renewals, billing, and customer service.

Marketing communications may be withdrawn at any time by following the unsubscribe instructions or contacting our office.

Intellectual Property

All website content, including text, graphics, logos, photographs, downloads, and design elements, is owned by Peace River Insurance, LLC unless otherwise noted.

No content may be copied or reproduced without prior written permission.

Acceptable Use

You agree not to:

Attempt unauthorized access to our systems
Interfere with website operation
Submit false information
Upload malicious software
Use the website for unlawful purposes

Third-Party Services

Our website may integrate services provided by third parties, including:

Insurance carrier websites
Customer portals
Online payment providers
Google Analytics
Google reCAPTCHA
Meta advertising services

Use of those services may also be governed by the terms and privacy policies of those providers.

Disclaimer

Information provided on this website is for general informational purposes only and should not be considered legal, tax, or insurance advice.

Coverage descriptions are summaries only. Actual coverage is governed by the terms, conditions, exclusions, and endorsements contained within the applicable insurance policy.

Limitation of Liability

To the fullest extent permitted by law, Peace River Insurance, LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from use of this website or reliance on information contained herein.

Website Availability

We do not guarantee uninterrupted access to the website and reserve the right to suspend, modify, or discontinue any portion of the website without notice.

Governing Law

These Terms and Conditions shall be governed by the laws of the State of Florida.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes become effective upon posting to this website.

Contact Information

Peace River Insurance, LLC
863-494-4444
www.peaceriverins.com
Questions regarding these Terms and Conditions may be directed to our office.