These terms explain how you may use the Chris Semans State Farm Insurance Agent website, what content is owned by us, and the limits on our liability. By using this website you agree to follow these rules.
Permitted use and acceptable behavior
We provide information about insurance products and our services to residents and businesses in Lady Lake, The Villages, Fruitland Park and neighboring Lake County communities. You may view and print pages for your personal, noncommercial use. You may not reuse our content for commercial redistribution, misrepresent your identity, interfere with the site, or attempt to access restricted areas.
Content ownership and accuracy
All original text, images and materials on this site are owned or licensed by Chris Semans, State Farm Insurance Agent. We strive for accurate, clear information about homeowners insurance, auto insurance, life insurance, renters insurance, flood insurance, condo insurance, umbrella coverage and business insurance. Content on the site is for general information and education. It does not create an insurance contract or bind the terms of any policy.
Information about coverages and policy language is illustrative. Only a signed policy issued by State Farm and endorsed documents set coverage and limits.
Quotes, policy examples and not a contract
Any sample quotes, calculators, or coverage examples on this site are estimates only. They are not binding offers. Actual policy terms, premiums and eligibility are determined by the insurer and the specific policy documents. If you need a policy change, binder or proof of insurance, that must be completed through our office and State Farm according to their procedures.
Third party links and content
This site may link to third party sites, including government pages about flood mapping, or to industry resources. We do not control those sites. Linking does not mean endorsement and we are not responsible for their content, accuracy or practices.
Limitation of liability and warranties
To the fullest extent permitted by law, we provide this site as is. We do not guarantee that the site is error free, uninterrupted or free of harmful components. We are not liable for indirect, incidental or consequential damages arising from your use of the site or from reliance on its content. Nothing in these terms limits liability that cannot be limited by applicable law.
User contributions and reviews
If you submit comments, questions or reviews through site features, you grant us a nonexclusive license to use that material. Do not post sensitive personal information, and do not post defamatory or infringing content. We may remove contributions that violate these rules.
Privacy and data
Our privacy policy explains how we collect, use and share information. The privacy policy and any cookie notices describe data practices for the website. For questions about how we handle personal information, see the privacy policy or contact our office for more information.
Changes to these terms and site content
We may update these terms or site content to reflect legal requirements, service changes or improvements. Continued use of the site after changes means you accept the revised terms. Important contractual changes to insurance policies will be communicated through policy documents from the insurer.
Governing law and dispute resolution
These terms are governed by the laws that apply where our office is located in Florida. If a dispute arises about the site or these terms, applicable law and reasonable dispute resolution steps will apply. These terms do not prevent you from seeking any legal rights you may have under mandatory local law.
Key takeaway
These terms set how you may use our website, explain that site content is informational and not a policy, and outline limits on liability. For policy specifics and binding documents, you and the insurer must complete the required application and policy process.
Frequently asked questions
Are the quotes on the website binding?
No. Quotes and examples on this website are estimates for discussion purposes only. Binding coverage is set by the insurance application and issued policy documents from State Farm.
Can I rely on the site for legal or tax advice?
No. Content on the site is informational and should not be relied on as legal, tax or financial advice. For formal advice, consult a qualified professional.
What if I find incorrect information on the site?
Please let us know through the contact options on the site and we will review the content. We aim to correct errors and keep information current, but site changes may be needed before corrections appear.
Does using the site create an attorney client relationship or a policy?
No. Using the site does not create any special professional relationship or an insurance contract. Insurance coverage exists only under the terms of a signed policy issued by the insurer.
Where to find more information
Read customer reviews and get directions on our Google Business Profile, and learn more about our services on other pages of this website.