Website Disclaimer

The information provided on the Ask John website, social media accounts, videos, downloadable materials, emails, and other content is intended for general educational and informational purposes only.

General Insurance Information

Ask John provides general information designed to help consumers better understand insurance concepts, terminology, coverage considerations, and common questions.

The information provided is not intended to be, and should not be considered, personalized insurance advice, a coverage recommendation, a policy interpretation, or a substitute for reviewing your individual insurance needs with a properly licensed insurance professional.

Insurance coverage, pricing, eligibility, underwriting requirements, discounts, exclusions, limitations, deductibles, and policy terms vary by insurance company, policy, location, risk, and individual circumstances.

Information that applies to one person, policy, company, or situation may not apply to another.

No Agent-Client Relationship

Viewing this website, watching Ask John content, downloading a guide, submitting a general question, joining an email list, or communicating through social media does not create an insurance agent-client relationship, advisory relationship, fiduciary relationship, or any other professional relationship.

An insurance relationship is not established unless and until the required information has been collected, an application has been completed, any required disclosures or agreements have been accepted, and coverage has been formally bound or issued by an authorized insurance company.

No Coverage Is Bound Through This Website

Nothing on this website binds, changes, extends, replaces, renews, or cancels insurance coverage.

Coverage cannot be bound, modified, or confirmed through:

• A website visit
• A social media comment or direct message
• A general contact form
• An email
• A downloadable guide
• A video or other educational content

Do not assume that insurance coverage is in effect unless you have received confirmation from the appropriate licensed insurance agent, agency, or insurance company.

Do not cancel, reduce, replace, or otherwise change existing insurance coverage until new coverage has been confirmed in writing and its effective date has been verified.

Policy Language Controls

Any descriptions of insurance coverage on this website are general summaries only.

The actual insurance policy, declarations, endorsements, exclusions, conditions, limitations, and applicable law determine the coverage that applies to a specific claim or loss.

If information on this website differs from the language of an insurance policy, the policy language controls, subject to applicable law.

No Guarantee of Price, Coverage, or Eligibility

Ask John does not guarantee:

• That any person will qualify for insurance
• That coverage will be available from a particular company
• That a specific policy or endorsement will be offered
• That a quoted premium will remain available
• That switching companies will reduce your premium
• That any particular claim will be covered
• That a policy will renew on the same terms or at the same price
• That information presented will apply to your specific situation

Quotes, premiums, coverage options, and eligibility are subject to underwriting review and may change based on additional information, inspections, reports, carrier guidelines, market conditions, or other factors.

Insurance Quotes and Third-Party Agency Services

Some links or buttons on this website may direct visitors to Biltmore Insurance Services or another third-party website to request an insurance quote or obtain insurance services.

Ask John is an educational brand and is not the insurance company issuing the policy.

Any quote request, application, transaction, policy, or insurance service completed through a third-party website is subject to that company's own terms, privacy practices, licensing, underwriting requirements, and procedures.

A quote is not a binder and does not create insurance coverage.

Accuracy and Timeliness

Ask John makes reasonable efforts to provide useful and accurate information. However, insurance laws, regulations, underwriting guidelines, rates, coverage forms, carrier appetites, and market conditions can change.

Information may become outdated after it is published.

Ask John does not guarantee that every statement, guide, video, answer, or resource will be complete, current, error-free, or applicable in every jurisdiction or circumstance.

You should verify current information with your insurance company, current insurance agent, or another properly licensed insurance professional before making an insurance decision.

Educational Guides and Downloads

Checklists, guides, worksheets, videos, and other downloadable materials are general educational resources.

They are not intended to identify every risk, coverage gap, exclusion, insurance need, or policy option that may apply to you.

Completing a checklist or reviewing a guide does not replace a professional review of your policy or insurance needs.

Questions Submitted to Ask John

Questions submitted through the website, email, social media, comments, or direct messages may be answered in general terms for educational purposes.

Submitting a question does not guarantee:

• A response
• A private consultation
• A policy review
• An individualized recommendation
• An evaluation of your specific insurance needs
• The creation of an agent-client relationship

Do not submit confidential, sensitive, financial, medical, claim-related, or personally identifiable information through public comments or social media messages.

Claims and Emergencies

Ask John is not a claims-reporting service and does not provide claims-adjusting services.

Do not use this website, social media, or general email to report a claim, request emergency assistance, or provide time-sensitive policy instructions.

To report a claim or receive immediate assistance, contact your insurance company, insurance agent, emergency services, or another appropriate service provider directly.

Third-Party Links

This website may contain links to third-party websites, tools, insurance agencies, insurance companies, educational resources, or service providers.

These links are provided for convenience and do not necessarily represent an endorsement, guarantee, or approval of the third party or its products, services, content, security, availability, or privacy practices.

Ask John is not responsible for the content, accuracy, availability, policies, or actions of third-party websites.

Testimonials and Examples

Any testimonials, examples, illustrations, scenarios, savings discussions, or customer experiences presented on this website are provided for informational purposes.

They do not guarantee that another person will receive the same result, premium, coverage, eligibility decision, or experience.

Individual results vary.

Geographic and Licensing Limitations

Insurance products and services may not be available in every state or jurisdiction.

Nothing on this website should be interpreted as an offer to sell, solicit, negotiate, or provide insurance services in a jurisdiction where the applicable individual, agency, or insurance company is not properly licensed or authorized.

Florida requires anyone acting or advertising as an insurance agent to hold the appropriate active license and appointment.

No Legal, Financial, Tax, or Claims Advice

The information provided through Ask John is not legal, tax, accounting, financial-planning, claims-adjusting, construction, engineering, or other professional advice.

Consult the appropriate qualified professional for advice related to those matters.

Limitation of Responsibility

To the fullest extent permitted by law, Ask John and its owners, contributors, affiliates, and service providers are not responsible for decisions, actions, losses, damages, costs, claims, or consequences resulting from:

• Reliance on general information provided through the website or related content
• Failure to review the actual insurance policy
• Failure to consult a licensed insurance professional
• Changes in insurance laws, rates, underwriting requirements, or market conditions
• Information provided by third parties
• Use of or inability to use the website
• Delays, errors, omissions, interruptions, or outdated information

You remain responsible for reviewing your insurance documents and making decisions based on your own circumstances.

Consent

By using this website, you acknowledge that you have read and understood this disclaimer and agree that the information provided is general educational information only.

Before purchasing, replacing, canceling, reducing, or changing insurance coverage, review the applicable policy documents and speak with your current insurance agent or another properly licensed insurance professional.

Contact Us

Questions about this disclaimer? Reach out through the Ask John for Help form on our homepage.