Effective Date: July 22, 2026
These Terms and Conditions govern your use of www.monerinsurance.com, operated by Moner Insurance Group.
By accessing or using this website, you agree to these terms. Do not use the website if you do not agree with them.
General Information Only
The information on this website is provided for general educational and informational purposes. It is not intended to provide legal, tax, financial, or personalized insurance advice.
Insurance needs vary. You should speak directly with a licensed insurance professional before making decisions about coverage.
Independent Insurance Agency
Moner Insurance Group is an independent insurance agency, not an insurance carrier.
We may assist customers in obtaining quotes or coverage from one or more insurance companies. The applicable insurance carrier is solely responsible for:
- Underwriting decisions
- Policy approval
- Coverage terms
- Premiums and discounts
- Billing
- Claim decisions
- Payment of covered claims
- The carrier’s financial obligations
Insurance products, coverage options, discounts, and eligibility requirements vary by carrier and applicant.
No Coverage Is Bound Through the Website
Submitting a website form, email, voicemail, or text message does not create, bind, change, renew, reinstate, or cancel insurance coverage.
Coverage is not effective unless and until it has been approved and confirmed by an authorized representative of Moner Insurance Group or the applicable insurance carrier.
You should not assume that a request has been completed until you receive written confirmation.
Do not use the website, email, voicemail, or text messaging for an urgent coverage request, cancellation, reinstatement, policy change, or time-sensitive matter.
Quotes and Applications
Insurance quotes are estimates based on the information available at the time they are prepared.
Quotes are subject to:
- Verification of the information provided
- Carrier eligibility requirements
- Underwriting approval
- Inspections, reports, or other requested documentation
- Changes in rates, fees, discounts, and coverage
- Applicable laws and carrier guidelines
A quote is not a guarantee that insurance will be offered at the quoted price or on the quoted terms.
You are responsible for providing accurate, current, and complete information. Incorrect or incomplete information may result in a revised premium, denial of coverage, cancellation, nonrenewal, or denial of a claim.
Policy Documents Control
Website descriptions, advertisements, emails, summaries, and verbal explanations are intended to provide general information.
The actual insurance policy, declarations page, endorsements, exclusions, conditions, and carrier documents control the coverage provided. When website content conflicts with an issued policy, the policy documents control.
You are responsible for reviewing your policy documents and notifying us promptly if any information appears incorrect.
Claims and Emergencies
This website is not an emergency-response or claim-reporting service.
Claims should be reported directly to the insurance carrier using the contact information shown on the policy documents or insurance identification card. You may also contact Moner Insurance Group during normal business operations for assistance.
Sending a claim notice through a website form, email, voicemail, or text does not guarantee that the carrier has received proper or timely notice.
For an emergency involving immediate danger, contact 911 or the appropriate emergency service.
Electronic Communications
When you contact us electronically, you consent to receive responses by email, telephone, or text message.
Electronic communications may be delayed, intercepted, misdirected, filtered, or unavailable. Do not rely on electronic communications for urgent or time-sensitive insurance matters unless receipt has been confirmed.
Marketing communication preferences are addressed in our Privacy Policy.
Acceptable Website Use
You agree not to:
- Use the website for unlawful, fraudulent, or misleading purposes
- Submit false information or impersonate another person
- Attempt to gain unauthorized access to the website, accounts, servers, or data
- Introduce viruses, malicious code, or disruptive technology
- Interfere with the website’s operation or security
- Scrape, copy, or collect website content or data through automated means without permission
- Use website content for unauthorized commercial purposes
- Violate the rights of Moner Insurance Group or another person
We may restrict or terminate access when we believe the website is being misused.
Intellectual Property
The website’s text, graphics, logos, design, branding, and other content are owned by or licensed to Moner Insurance Group and are protected by applicable intellectual-property laws.
You may view and print website content for personal, noncommercial use. You may not reproduce, modify, distribute, sell, publish, or commercially use website content without prior written permission.
Third-Party Links
The website may contain links to insurance carriers, payment providers, service providers, or other third parties.
These links are provided for convenience. Moner Insurance Group does not control and is not responsible for an outside website’s content, accuracy, availability, security, products, services, terms, or privacy practices.
Website Accuracy and Availability
We make reasonable efforts to provide useful and current information. However, insurance products, laws, carrier guidelines, rates, and website content may change without notice.
We do not guarantee that:
- All information will always be accurate, complete, or current
- The website will always be available or uninterrupted
- Website errors will immediately be corrected
- Every insurance product will be available to every applicant
- The website will be free from viruses or harmful components
We may modify, suspend, or discontinue any portion of the website without notice.
Disclaimer of Warranties
To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis without express or implied warranties.
Nothing in these terms limits any rights or responsibilities that cannot legally be limited.
Limitation of Liability
To the fullest extent permitted by law, Moner Insurance Group and its owners, agents, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages resulting from:
- Use of or inability to use the website
- Reliance on website information
- Delayed, lost, or intercepted electronic communications
- Unauthorized access to information
- Third-party websites or services
- Website errors, interruptions, or harmful components
This limitation does not apply where liability cannot legally be excluded or limited.
Indemnification
You agree to defend and hold Moner Insurance Group harmless from claims, damages, losses, liabilities, and reasonable expenses resulting from your unlawful use of the website, fraudulent submissions, violation of these terms, or infringement of another party’s rights.
Governing Law
These terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.
Changes to These Terms
We may revise these Terms and Conditions periodically. Updated terms will be posted on this page with a revised effective date.
Continued use of the website after updated terms are posted constitutes acceptance of the revised terms.
Contact Us
Questions regarding these Terms and Conditions may be directed to:
Moner Insurance Group
Website: www.monerinsurance.com
Email: info@monerinsurance.com
Phone: 214-213-9883