Disclaimer

1. Welcome

Welcome to CoverageCheckr.com. By using this website, you acknowledge and agree to the terms outlined in this disclaimer. This site is operated by Marcus Whitfield, an independent insurance coverage analyst, for educational and informational purposes.

2. No Insurance Advice

The content on CoverageCheckr.com is for educational and informational purposes only. It does not constitute legal, financial, tax, or insurance advice. Marcus Whitfield is not a licensed insurance agent or financial advisor in all jurisdictions. He is an independent analyst sharing his experience from 16 years in the insurance industry.

Always consult a licensed professional before purchasing, changing, or canceling any insurance policy. Laws, regulations, and insurance products vary by state and carrier.

3. Coverage Information Accuracy

We make no representations or warranties about the accuracy, completeness, or timeliness of any information on this site. Insurance laws, rates, and product availability change frequently. What was accurate last year may not be accurate today. Use this information at your own risk and verify all details with your carrier or agent.

4. Privacy and Data

All calculator tools run entirely in your browser. We do not collect, store, or transmit your personal information. Your data never leaves your device. However, standard web analytics (page views, referrers) may be collected for site improvement purposes.

5. Liability Limitation

CoverageCheckr and Marcus Whitfield shall not be held liable for any damages arising from the use of this website, including but not limited to direct, indirect, incidental, punitive, or consequential damages. This includes losses related to insurance decisions made based on content from this site.

6. Contact and Community Stories

We welcome emails from our community. If you would like to share your insurance story, feel free to reach out. We love featuring great stories from readers who have navigated coverage gaps, claims, and policy changes.

Please note that we do not offer professional consultation via email. General questions may be addressed in future articles, but personalized advice requires a licensed agent in your state.

7. Sources and References

Articles on this site may reference industry data, carrier filings, and regulatory documents. Where possible, we link to original sources. However, we cannot guarantee the ongoing availability of third-party links. All opinions expressed are those of Marcus Whitfield alone.

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9. Updates to This Disclaimer

This disclaimer may be updated at any time without notice. The most current version will always be available on this page. Your continued use of the site constitutes acceptance of any changes.