Effective Date: September 1, 2026
By using this Site, you agree to these Terms of Use.
General Information Only
Content on this Site — including descriptions of coverage, blog posts, and educational material — is provided for general informational purposes only. It does not amend, modify, or replace the terms, conditions, exclusions, or limitations of any actual insurance policy. Coverage is governed solely by the terms of the policy issued by the applicable insurance carrier.
No Coverage or Agency Relationship Created by the Site
Using this Site, submitting a form, or requesting a free policy review does not create insurance coverage, bind coverage, or establish an agency-customer relationship. Coverage is only bound when confirmed in writing by Sands Insurance and the applicable insurance carrier.
Quotes Are Not Binding
Any quote, estimate, or savings figure discussed through the Site is an estimate only, is not a guarantee, and is not binding on Sands Insurance or any insurance carrier unless and until coverage is properly bound and issued.
Accuracy of Information
We try to keep information on the Site accurate and current but do not guarantee it is complete, error-free, or up to date. Insurance products, rates, and availability change and should be confirmed directly with us.
Intellectual Property
Text, graphics, logos, and other content on the Site are owned by Sands Insurance or used with permission and may not be copied or reused without our consent.
Third-Party Links & Services
The Site may link to or embed third-party services (for example, Google Maps or a scheduling tool). We are not responsible for the content or practices of those third-party services.
Limitation of Liability
To the extent permitted by law, Sands Insurance is not liable for damages arising from your use of, or inability to use, the Site.
Governing Law
These Terms are governed by the laws of the State of Iowa.
Contact Us
Questions about these Terms can be sent to office@sands-insurance.com or 515-965-2429.