Terms & Conditions

1. Introduction

Welcome to P&P Insurance Agency. By accessing our website and using our services, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our website or services.

2. Services

P&P Insurance Agency is an independent insurance brokerage licensed in the State of Florida. We provide insurance quotes, policy comparisons, and coverage recommendations across multiple lines of insurance including auto, home, flood, commercial, life, and health.

All quotes provided are estimates based on the information you supply. Final coverage terms, conditions, and premiums are determined by the insurance carriers we represent and are subject to their underwriting guidelines.

3. Quotes & Coverage

We shop rates from 30+ carrier partners to find options that fit your needs and budget. Coverage options, availability, and pricing may vary by carrier and are subject to change without notice. We do not guarantee that any specific carrier will offer coverage or that quoted rates will be available upon formal application.

4. Privacy & Data Use

We collect personal information solely for the purpose of providing insurance quotes and services. We do not sell your information to third parties. For complete details on how we handle your data, please review our Privacy Policy.

5. SMS / Text Messaging

By providing your mobile phone number and checking the SMS consent box on our forms, you consent to receive text messages from P&P Insurance Agency regarding your quote, policy, or account. Message frequency may vary. Message & data rates may apply. Reply STOP to opt out at any time. Reply HELP for assistance.

6. Limitation of Liability

P&P Insurance Agency acts as an intermediary between you and insurance carriers. We are not liable for claim decisions, coverage denials, or premium changes made by carriers. Our liability is limited to the fees paid for our brokerage services, if any.

7. Changes to Terms

We may update these Terms & Conditions from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our website constitutes acceptance of the revised terms.

8. Contact Us

If you have any questions about these Terms & Conditions, please contact us:

P&P Insurance Agency
14619 SW 56th St, Miami, FL 33175
Phone: (305) 559-7942
Email: info@pandpinsurance.com