Terms of Use



These Terms of Use (“Terms”) apply to your use of this Internet site (“Site”). By visiting or using this Site, you accept these Terms. You should review these Terms regularly as they may change from time to time. Continued use of this Site by you will constitute your acceptance of any revisions to these Terms. In the event of a conflict between these Terms and any other agreement between you and People’s Trust Insurance Company (“People’s Trust”), that other agreement shall control. 



You accept delivery of the following disclosures that relate to information at this Site.

Foreign Jurisdictions: People’s Trust is licensed to transact homeowners insurance only in Florida. People’s Trust’s products and services are available only for personal residential properties located in Florida. By using this Site, you agree that you are obtaining information about or seeking to insure personal residential property located in Florida.


Company Identification: The products and services described on this Site are provided by People’s Trust Insurance Company, a Florida domestic property and casualty insurance company. People’s Trust Insurance Company transacts insurance through its affiliated managing general agency, People’s Trust MGA, LLC (“People’s Trust MGA”). People’s Trust MGA or its authorized representative will be identified as the agent of record on any policy issued by People’s Trust where such an agent is required to be designated. People’s Trust MGA is compensated for its services by People’s Trust and also may charge a policy fee as provided by Florida law.


Availability of Products: People’s Trust’s insurance products are available to applicants who meet underwriting and eligibility criteria established by the company. There is no assurance that People’s Trust will issue a policy based on information you provide at the Site. No insurance coverage shall be effective unless and until People’s Trust Insurance Company provides confirmation of acceptance. Due to the nature of windstorm risk, People’s Trust may limit its policies by territory, policy type, or other criteria as it may consider advisable under prudent exposure management practices. 



Personal Use Only: You will use the Site only for your personal, noncommercial use unless you and People’s Trust have agreed otherwise in writing.


Emails: You may not send email to us that is illegal, obscene, profane, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or contains harmful code, political campaigning, commercial solicitation, chain letters, mass mailings, or violates any applicable law, such as the CANSPAM Act.


Access: You may not use this Site in any manner that could damage or overburden any People’s Trust equipment or software. You may not use any means of systematic retrieval of data or other content from this Site. You may not obtain, or attempt to obtain, access to any material or information on this Site that is protected by passwords or require login identification through any means not expressly authorized by People’s Trust. You may not use the login information of another person, unless they specifically authorized you to do so. If you are accessing this Site pursuant to authority granted by any other person, you must discontinue access on behalf of that person when such authority terminates or is revoked.


False Information: Premium quotes and eligibility for People’s Trust products or services will be determined based, in part, on information you provide. People’s Trust reserves the right to verify the information you provide. Under Florida law, a misrepresentation, omission, concealment of fact, or incorrect statement may prevent recovery under a policy if the misrepresentation, omission, concealment, or statement is fraudulent or is material to the acceptance of the risk or the hazard assumed, or if the true facts had been known, the insurer in good faith would not have issued the policy, would not have issued the policy at the same rate, would not have issued the policy in as large an amount, or would not have provided coverage with respect to the hazard causing the loss.


Framing: You may not frame any content, trademark, logo, or other proprietary information (including images, text, page layout, or form) of People’s Trust.


Links: You agree to obtain our permission before creating a hyperlink or similar link or connection to this Site.


Endorsements: You may not use People’s Trust’s name or trademarks in any way that implies affiliation with, or an endorsement, sponsorship or approval by People’s Trust without express written permission. 


When you use People’s Trust’s online services, you agree to the following conditions:

  • People’s Trust is authorized to act on instructions received under your name, password, quote number or other identifying information without any requirement to question those instructions;
  • People’s Trust is not responsible for any unauthorized access to your personal information that is not directly due to the negligence of People’s Trust;
  • You are responsible for maintaining the confidentiality of your account information such as names, passwords, quote numbers, and similar information;
  • You will notify People’s Trust immediately if you believe anyone else has learned your confidential account information or if you believe authorized access to your People’s Trust account may have occurred;
  • People’s Trust may block or terminate access to this Site without prior notice if we believe your confidential account information is being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, if you cause a financial loss to People’s Trust, if you make a fraudulent claim with People’s Trust, if People’s Trust determines that you pose an unreasonable risk, or for any other reason. People’s Trust may notify you that your access is terminated by providing notice to the address, phone number or email address in your profile.



If you authorize another person to access this Site on your behalf, we may grant that person access to view and transact in your accounts until you notify us that you have revoked their access. If you grant a General Power of Attorney, we may grant Site access to the attorney-in-fact to view your accounts and conduct transactions on your behalf. If you access this site on behalf of another person, you represent and warrant that the authorization or Power of Attorney is currently in force and authorizes the activity you conduct at this Site. You are responsible for the actions of your agent or attorney-in-fact while accessing or transacting on your behalf on this Site. 



This Site may contain links to other Internet websites that are not maintained by People’s Trust. These links are provided for your convenience, and unless otherwise stated, People’s Trust makes no warranties or representations regarding these websites or information, products or services identified on them. People’s Trust does not control the privacy or security practices of third parties. You should read the privacy and security policies of the other sites because their practices may differ from ours. 


The Site may provide information about, or links to information about, the comparison in coverage or premiums between People’s Trust and other insurers. Any such information is presented on the basis that it is available to People’s Trust, and People’s Trust makes no warranties or representations about this information. In some cases, the information presented may pertain to selected or representative policies, which may differ from the characteristics of your property. Insurance coverage and premiums can vary among insurers, and different insurers may provide different options by which consumers may lower their premiums for reduced coverage or pay higher premiums for increased coverage options. Please consider People’s Trust’s options and those of any other insurers carefully. A People’s Trust representative is available by online chat, email or telephone to assist with any questions you may have. 


Unsolicited Submissions: Unless otherwise stated, People’s Trust does not accept unsolicited ideas, suggestions, or materials relating to development, design, or marketing of its products and services. Any such information delivered to People’s Trust will be considered non-confidential and non-proprietary, and will be considered the exclusive property of People’s Trust. People’s Trust may copy, disclose, distribute, incorporate, and otherwise use the information, in whole or in part, for any purpose without compensation. Personal information transmitted to us will be treated in accordance with the People’s Trust privacy policy set forth at this Site.


Copyright: This entire Site is the copyrighted work of People’s Trust. Unless otherwise specified, no person has permission to copy, display, distribute, republish, or create derivative works from such information in any form. 


Trademarks: By providing content, we do not allow you to use trademarks referenced in this Site. You may not use any meta tags or any other “hidden text” using People’s Trust’s name or trademarks without the express written consent of People’s Trust. Other parties’ trademarks and service marks that may be referred to on the Site are the property of their respective owners. No endorsement, sponsorship affiliation or approval shall be inferred from their use on this Site unless specifically stated. The trademarks, logos, and service marks (“Marks”) displayed on the site are the property of People’s Trust or other parties. You are prohibited from using any Marks without the written permission of People’s Trust or the third party that owns the Marks.


Copyright Infringement Claims: People’s Trust’s policy is to respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act. If you believe that any material contained on this Site may infringe on your copyright, notice must be given in writing of the following: (a) identification of the copyrighted work claimed to have been infringed; (b) identification of the allegedly infringing material; (c) information sufficient to permit People’s Trust to locate the infringing material; (d) a statement that the complaining party has a good faith belief that use of the material is not authorized or permissible by law; and (e) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner, agent, or licensee. Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by People’s Trust. Written notice must be sent to: People’s Trust Insurance Company, Attention: Chief Executive Officer, 18 People’s Trust Way, Deerfield Beach, Florida 33441-6270. 



This Site is provided by People’s Trust on an “as is” and “as available” basis. People’s Trust makes no representations or warranties of any kind, express or implied, as to the operation or availability of this Site or the content included on this Site. This Site could contain technical inaccuracies or typographical errors. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, People’s TRUST DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. People’s Trust does not warrant that this Site, its servers, or email sent from People’s Trust are free of viruses or other harmful code. People’s TRUST SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INABILITY TO USE THIS SITE, OR CIRCUMSTANCES BEYOND ITS CONTROL, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF People’s TRUST IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION OF LIABILITY INCLUDES BUT IS NOT LIMITED TO ANY DAMAGES OR INJURY CAUSED BY ANY (1) USE OF OR INABILITY TO USE THE SITE; (2) USE OF OR INABILITY TO USE ANY SITE HYPERLINKED FROM THE SITE; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. Some states do not allow limitations on warranties or certain damages, So some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights. 



Governing Law: Use of this Site shall be governed by and construed in accordance with the laws of the State of Florida without giving effect to any principles of conflicts of laws. The Uniform Computer Information Transactions Act or any substantially similar law, if enacted, will not govern any aspect of these Site Terms or your access to this Site.


Jurisdiction and Venue: Any dispute concerning this Site shall be subject to the exclusive venue of a court of competent jurisdiction in Palm Beach County, Florida. You consent to the jurisdiction of such courts and agree to accept service of process issued by such courts.


Severability: If any provision of these Site Terms and Condition is unlawful, void or unenforceable, the remaining provisions shall remain valid and in effect to the fullest extent possible.


Changes to this Site: People’s Trust may discontinue or modify this Site at any time without prior notice to you, and you accept those modifications if you continue to use the Site.


Waivers: Any waiver of any provision of these Site Terms will be effective only if in writing and signed by an authorized representative of People’s Trust. Any delay or omission by People’s Trust to exercise any rights under these Site Terms shall not be construed to waive any rights.


Survival: Certain provisions of this agreement by their nature shall continue in full force and effect after termination, including the Disclaimer of Warranties and Limitation of Liability, and Jurisdiction/Enforceability