TERMS AND CONDITIONS OF USE

Last updated: [Date, e.g., March 30, 2026]

1. Acceptance of Terms By accessing, browsing, and using the Luxum Insurance website, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please refrain from using our website.

2. Description of Services and Service Area Luxum Insurance operates as an independent insurance agency providing quoting and brokerage services for Auto, Home, Renters, Commercial, and Life insurance. We are currently licensed and authorized to provide services exclusively in the following states: Virginia (VA), Maryland (MD), District of Columbia (DC), Florida (FL), New Mexico (NM), New York (NY), and New Jersey (NJ).

3. Third-Party Carriers and Non-Binding Quotes We partner with a network of third-party insurance carriers, including but not limited to GEICO, Gainsco, National General, NEXT, ERGO, Progressive, and National Life Group. Please be aware that any quotes provided through our website, via email, or over the phone are estimates based on the information you provide. A quote is not a binding contract of insurance. Final coverage, premium rates, and policy issuance are strictly subject to the underwriting guidelines and approval of the respective third-party insurance carrier.

4. User Responsibilities and Accuracy of Information To provide you with accurate quotes, you must provide true, current, and complete information. Luxum Insurance is not responsible or liable for any policy cancellations, premium adjustments, or denied claims resulting from inaccurate, misleading, or false information provided by you during the quoting or application process.

5. Intellectual Property All content hosted on this website—including text, graphics, logos, icons, and overall design—is the exclusive property of Luxum Insurance or its partners and is protected by applicable United States copyright and intellectual property laws.

6. Limitation of Liability Your use of this website is at your own risk. Luxum Insurance does not warrant that the site will be entirely error-free or uninterrupted. To the maximum extent permitted by law, Luxum Insurance shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, our website or services.

7. Governing Law and Jurisdiction These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the specific state where Luxum Insurance maintains its principal headquarters [Insert State, e.g., Virginia], without regard to conflict of law principles.

8. Contact Information If you have any questions or concerns regarding these Terms and Conditions, please contact us at: