By using the A-State Insurance website, requesting a quote, or using any of our services, you agree to these Terms and Conditions. This applies to all visitors, clients, and anyone seeking insurance information. If you do not agree with these terms, please do not use the website or our services.
Our goal is to make your experience clear and transparent. We want you to feel confident while browsing, requesting quotes, or purchasing coverage. These terms explain what you can expect from us and what we expect from you. By using our services, you accept this agreement, enabling us to provide the best possible support and insurance guidance.
A-State Insurance is an independent insurance agency and broker in Texas. We are not an insurance company, and we do not underwrite policies. We work with multiple trusted carriers to help you find coverage that fits your needs, lifestyle, and budget. By using our website or services, you agree that we provide access to policies issued by third-party insurers.
We offer personal and commercial coverage, including auto, home, life, health, and surety bonds. Our goal is to guide you through the process, answer your questions, and help you make confident decisions. These Terms show how we work and what you can expect from us.
Our website is designed to give you information and tools to compare insurance options. We explain coverage types, help you understand policies, and assist in requesting quotes. A-State Insurance does not issue policies. All coverage comes from third-party insurance companies.
The website is not a contract or guarantee of coverage. We aim to make insurance clear and easy to understand. You are responsible for reviewing information before making coverage decisions. We are here to guide you, answer questions, and provide advice that helps you find the right plan for your life or business. By using the website, you acknowledge our role.
Online quotes are only estimates. Final pricing depends on the carrier and underwriting approval. Coverage does not start until the policy is issued, payment is confirmed, and the carrier approves it. A-State Insurance helps you compare options and understand coverage, but the final decision and responsibility belong to you.
Quotes are intended to provide an estimate of coverage costs. They do not guarantee a policy or specific pricing. We provide guidance to help you make informed decisions, but coverage is not active until all carrier approvals are received. This ensures your insurance is fully valid and secure.
Clients are responsible for reviewing all policy documents carefully. You should check coverage limits, deductibles, and exclusions. We explain the policies and answer questions, but you are responsible for confirming that your policy meets your needs. A-State Insurance is not liable for misunderstandings once the documents are provided. Our goal is to make the process clear and simple.
By carefully reviewing your documents, you can be confident that your coverage protects what matters most. We provide guidance and support every step of the way, helping you understand your coverage so there are no surprises.
All policies come from outside insurance companies. A-State Insurance helps you select coverage and navigate your options, but we do not make carrier decisions. We are not responsible for claims, cancellations, or financial issues with the insurance company.
We act as your broker and guide, providing clear information and support while maintaining professional boundaries. Our job is to help you find the best policies and understand your coverage. Any issues with the insurance company must be handled directly with them. Our goal is to make the process as smooth and easy as possible for you.
Premiums may be processed by the insurance company or approved payment partners. We do not control payment processing times. Late or missed payments may lead to policy suspension or cancellation. We provide reminders and guidance whenever possible, but it is your responsibility to ensure payment is made on time.
Coverage only becomes active once payment is received and approved. We aim to make payments simple and clear. Following these steps helps keep your insurance active without interruptions. Our team is here to answer questions if you have trouble with payments.
By using our services, you agree to be contacted by phone, text, or email. Communication may include quotes, policy updates, renewals, or marketing information. You can opt out of marketing messages at any time by contacting us.
We use these communications to help you stay informed and supported, not to bother you. Our goal is to ensure you receive important updates and assistance with your insurance. You have full control over how and when you hear from us, and we respect your preferences.
We provide services in English, Spanish, and Hindi. Translations are for convenience only. If there is a conflict between the translation and the original, the English policy documents are the official version. Our goal is to make insurance accessible and understandable while keeping official documentation accurate and legally valid. We strive to provide clear guidance in your preferred language.
Your personal information is collected only to provide quotes, service, or coverage guidance. We follow privacy laws, and our Privacy Policy explains how your data is handled. We only share information with carriers or partners necessary to provide coverage. Your data is used to help you find the best policies and ensure your coverage meets your needs. We take privacy seriously and aim to keep your information secure at all times.
All website content, logos, and branding belong to A-State Insurance. You may not copy, distribute, or reuse content without our permission. The materials are for informational and service purposes only. We want you to learn about insurance and make decisions with our guidance, but the content remains our property.
A-State Insurance is not responsible for denied claims, website errors, or financial losses from using general information. We guide and assist you, but coverage decisions and results are ultimately the responsibility of the client and the carrier. We provide accurate guidance, but unexpected events may occur. By using our services, you acknowledge that our liability is limited. We focus on supporting you, helping you understand coverage, and making insurance easier to manage.
By using the website or our services, you agree to protect A-State Insurance from claims caused by: false information, misuse of the website, or breaking these Terms. This keeps our services safe and fair for all users. We aim to maintain trust and transparency while supporting your insurance needs.
We may update these Terms at any time. Continued use of the website or services means you accept the latest version. We encourage you to review these Terms regularly.
Last Updated: 01/11/2026
This section establishes that Texas law governs all agreements, interactions, and disputes between you and A-State Insurance. This means that if any legal issues arise, such as disagreements regarding coverage, claims, payments, or the use of our website, they will be resolved in accordance with the laws of the State of Texas. Specifically, this includes:
707 Shotwell St A, Houston, TX 77020, United States
Phone:(713) 357-7771
Email:save@astateinsurance.com
Business Hours: Mon – Sat: 9AM – 7PM