Terms & Conditions

Effective Date: January 1st, 2026

1. General Terms

These Terms and Conditions ("Agreement") govern your use of the Munoz Ghezlan Insurance LLC website ("Site") and your engagement with our insurance services and products. By accessing and using this Site, you agree to be bound by these Terms. If you do not agree with any part of this Agreement, please do not use the Site.

2. Insurance Services Offered

Munoz Ghezlan Insurance LLC provides homeowners insurance, auto insurance, life insurance, and other insurance products to individuals and businesses. All insurance policies are issued by authorized insurance carriers and are subject to applicable state insurance regulations and the terms of the specific policy contract.

3. Policy Application and Quotes

Insurance quotes provided by Munoz Ghezlan are non-binding estimates based on information provided by the applicant. Final policy approval, terms, premiums, coverage limits, and exclusions are determined by the underwriting process and the insurance carrier. Actual rates may differ from initial quotes based on underwriting findings and underwriting guidelines.

4. Premium Payment and Policy Effective Date

Insurance policies become effective upon receipt of premium payment and approval by the insurance carrier. Payment can be made monthly, quarterly, annually, or on a schedule agreed upon with the applicant. Failure to pay premiums on time may result in policy lapse or cancellation. A grace period may apply as specified in the policy documents.

5. Policy Underwriting and Approval

Munoz Ghezlan will submit applications to authorized insurance carriers for underwriting review. The insurance carrier reserves the right to approve, decline, or conditionally approve any application. Applicants must provide accurate and complete information during the application process. Misrepresentation or fraud may result in policy denial or cancellation.

6. Coverage Limits and Deductibles

Applicants are responsible for selecting appropriate coverage limits and deductibles based on their individual needs and risk assessment. Munoz Ghezlan provides recommendations, but final decisions regarding coverage limits, deductibles, and optional endorsements remain the responsibility of the policyholder.

7. Policy Cancellation and Modification

Policyholders may cancel their policies at any time by providing written notice to their insurance carrier. The insurance carrier or policyholder may cancel the policy subject to the terms and conditions outlined in the policy documents. Modifications to coverage must be submitted in writing and approved by the insurance carrier before taking effect.

8. Claims Process

Policyholders must report claims to their insurance carrier within the time period specified in their policy documents. Claims are subject to investigation, verification, and approval by the insurance carrier. The insurance carrier will determine claim validity and coverage based on the specific policy language and applicable state insurance laws.

9. Renewals

Insurance policies are issued for specific policy periods. Renewal is not automatic and depends on approval by the insurance carrier. Renewal premiums are subject to rate changes based on underwriting guidelines, claims history, and other factors. Policyholders will receive renewal information prior to the policy expiration date.

10. Insurance Coverage Exclusions

All insurance policies contain specific exclusions and limitations. Policyholders are responsible for reviewing their policy documents to understand what is and is not covered. Coverage exclusions and limitations are determined by the insurance carrier and apply to all policyholders under the same policy form.

11. Liability Limitation

To the maximum extent permitted by law, Munoz Ghezlan Insurance LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of this Site or our services. Our liability is limited to the amount of commissions or fees paid for services rendered.

12. Rate Changes

Insurance rates are subject to change based on underwriting guidelines, actuarial data, market conditions, and regulatory changes. The insurance carrier may adjust rates upon policy renewal. Policyholders will receive notice of any rate changes prior to renewal.

13. Termination and Cancellation

Munoz Ghezlan reserves the right to terminate service relationships if customers provide false information, violate this Agreement, or engage in illegal activity. Insurance policies may be cancelled by the policyholder or the insurance carrier subject to applicable state insurance laws and policy provisions.

14. Third-Party Insurance Carriers

Munoz Ghezlan acts as an insurance broker and does not issue insurance policies directly. All insurance policies are issued by authorized insurance carriers. The terms, coverage, and conditions of your insurance policy are determined by the insurance carrier and the specific policy documents you receive.

15. Regulatory Compliance

Munoz Ghezlan complies with all applicable federal and state insurance laws and regulations. Insurance carriers providing policies through Munoz Ghezlan are licensed and regulated by their respective state insurance departments.

16. Governing Law

These Terms and Conditions are governed by applicable state insurance laws and the laws of the state where the insurance is issued. Any disputes shall be resolved through binding arbitration or in courts of competent jurisdiction in accordance with applicable law.

16. Contact Information

By using our website and services, you agree to these Terms and Conditions.