Terms of Service

Last updated: 2026-09-14

Acceptance

By using Cover by mQuickCalc ("Cover," "we," "us"), you agree to these Terms. If you don't agree, don't use the site.

What Cover is

Cover is a free, independent website providing online insurance cost estimation tools and informational content. We are operated by a small team, not a registered insurance company or agency.

For informational purposes only

All content and calculator outputs are for informational and educational purposes only. Nothing constitutes insurance advice, legal advice, financial advice, or investment recommendations. Estimates are not insurance quotes.

No guarantee of accuracy

While we strive to keep data up to date, we make no warranties about accuracy, completeness, or timeliness. Insurance rates, laws, and regulations change frequently and vary by jurisdiction.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or its tools.

Third-party links and ads

Cover displays third-party advertisements (Google AdSense). We are not responsible for the content, accuracy, or privacy practices of advertisers or external sites we link to.

Changes

We may update these Terms at any time. Continued use of Cover after changes constitutes acceptance.

Governing law

Governed by the laws of the State of Texas, United States.