Terms & Conditions

By using the L-Town Insurance website, you agree to these Terms & Conditions. If you do not agree, please do not use this site.

The content on this website is provided for general informational purposes. It does not constitute insurance advice, an offer of insurance, or a guarantee of coverage. Coverage is subject to the terms, conditions, and exclusions of the actual policy issued by the insurance carrier.

Any quote provided through this website or our quoting tools is an estimate only and is not a binding offer of coverage. Final rates and eligibility are determined by the insurance carrier after underwriting. No coverage is in force until a policy is issued and any required payment is received.

Our online quoting and client center features are provided by EZLynx, a third-party service. Your use of those tools is also subject to EZLynx's own terms and policies. We are not responsible for the availability or operation of third-party services.

You agree not to:

• Use this site for any unlawful purpose
• Submit false or misleading information
• Attempt to interfere with the site's operation or security
• Copy or reproduce site content for commercial purposes without permission

All content on this site — including text, design, and the L-Town Insurance logo — is the property of L-Town Insurance and may not be used without our written permission.

To the fullest extent permitted by law, L-Town Insurance is not liable for any damages arising from your use of, or inability to use, this website or its content. The site is provided "as is" without warranties of any kind.

These terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles.

We may update these terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised terms.

Questions about these terms? Reach us at info@ltownins.net or call 731-800-6252.