Terms of Use

Who we are

Casa is software. It runs the search and delivers your quotes; it is not an insurance company and it does not decide whether you are insured. New Horizon Insurance Services is the licensed California insurance agency behind every quote, application and policy on this site, it is the agency of record on any policy you buy, and a licensed agent there reviews your file. SimpliSent, Inc operates the site as the agency's technology provider and holds no insurance license. The insurers whose quotes you see are independent companies; none is an affiliate of SimpliSent, Inc or the agency.

Who can use the site

You may use the site if you are at least 18 and you are requesting quotes for California property that you own or are buying, either yourself or for a trust, company or estate you are authorized to act for. Each request must be your own or one you are authorized to make for a co-owner. Professionals (loan officers, real estate agents, insurance agents) may share our address with a client, but a professional may not fill out the questionnaire on a client's behalf; the answers must come from the person who will be insured.

Your account

After you buy a policy you may sign in to an account with a one-time code sent to the email address on your request. The account shows your policy, documents, billing status and requests. Keep your email account secure: anyone who can read your email can request a code. Tell us at once if you believe someone else has used your account.

How quotes work

• Every amount shown is an estimate, not a premium quote or an offer of coverage. The final premium is set by the insurer after underwriting. Quotes cost nothing and carry no obligation.
• We search the standard market first and then the specialty (surplus lines) markets on your behalf, and we show you the time by which to expect your quotes when you finish the questionnaire. We deliver them through a private link we email you; no password is needed to see them. Timing depends on the insurers and on your information, and we do not promise a specific price, a specific insurer or any outcome. Some homes receive no quote.
• Choosing a quote is not buying a policy. After you choose, a licensed agent reviews your file, confirms the details with the insurer and completes the policy. Coverage begins only when the insurer issues the policy, on the date it states. Nothing on this site binds coverage.
• If an insurer's price or terms change between the quote you saw and the policy the insurer will issue, we stop and show you the new figure before anything is finalized.
• Specialty-market policies come with a separate written disclosure that you sign before you choose one. Those insurers are not admitted in California and are not covered by California's insurance guaranty fund; the disclosure explains what that means.

Your information must be accurate

An insurance policy rests on the answers in the application. Your answers about the home, its systems, its history and your own insurance history become the insurer's basis for the price and for covering a claim. If an answer is wrong, even by honest mistake, an insurer can cancel the policy or refuse a claim (California Insurance Code sections 331 and 359). Answer carefully, change anything we prefilled that is not right, and tell us if something changes before your policy is issued.

Consumer reports

Before we search, you sign an authorization that lets New Horizon Insurance Services and the insurers obtain reports about you and the property, including claims-history reports, prior-loss and property reports and public records. The authorization states what may be obtained, by whom, for what purpose and for how long (one year). It is a separate document; these terms do not expand it.

• Consumer report authorization

Electronic signatures and electronic delivery

When you check a box, click a button or type your name where we ask for your agreement, that is your electronic signature and it has the same effect as a handwritten one (California Civil Code section 1633.7). Before you sign anything, you consent to receive the related documents electronically; that consent, and how to withdraw it or get a paper copy at no charge, is set out in our Electronic Signature and Delivery Consent.

• Consent to electronic records and signatures

How we contact you

We email you about your request, your quotes, your policy and your account, and we may call the number you gave us about your file. We do not use automatic dialing systems or prerecorded messages, and we do not send marketing text messages. Giving a phone number does not sign you up for marketing calls or texts. Emails about your request, your quotes, your policy, your account or a claim are part of the service and continue while you have a request or policy with us; reminder emails carry an unsubscribe link. Consent to be contacted is not a condition of getting quotes. To change how we reach you, use the unsubscribe link in any reminder email, email quotes@casa.insure or write to us at SimpliSent, Inc., 929 N Val Vista Dr, Ste 109 #1110, Gilbert, AZ 85234.

Paying for a policy

The site collects no money. If you choose a policy, you tell us how you will pay:

• Through your mortgage escrow, where your lender pays the premium at closing or from your escrow account (available only where the insurer bills the lender directly and only if you have a mortgage); or
• From your bank account by electronic funds transfer. You enter your bank details on this site under a separate written authorization. We store them encrypted, a licensed agent enters them once into the insurer's own payment system to start your policy, and we delete them once the policy is bound. The insurer, not Casa or the agency, takes the payment.

We never hold your premium, we do not accept cards, and refunds of premium come from the insurer under the policy's terms. If a payment fails, we email you to ask for updated details; the policy's status while that happens is set by the insurer.

Pages for professionals

Our pages for loan officers, real estate agents and insurance agents are information. We pay no fee and give nothing of value to anyone for referring a homeowner to us, and access to those pages is not conditioned on referrals.

Acceptable use

Use the site only to request quotes for your own home. You may not: submit false information or another person's information without authority; use bots, scrapers or other automated means to access the site or to submit requests; probe, disrupt or overload the site; copy our content for commercial use; or attempt to reach another person's request, quotes or account.

Our content and your feedback

The site, its text, design and software belong to SimpliSent, Inc or its licensors. You may print or save pages for your own records. If you send us feedback, you agree we may use it without obligation to you. Insurance documents the insurer issues to you are yours.

Links to other sites

The site links to insurers, lenders, government sites and others. We are not responsible for their content or their privacy practices.

Disclaimers

The site is provided as is and as available. To the extent the law allows, we make no warranties about the site, including that it will be uninterrupted or error-free or that any quote will be available. Public-record information we show you (for example a year built or a square footage from a county roll) is provided for you to check, not as a statement by us that it is correct. Nothing in these terms limits any right you have under California insurance law, and nothing here alters the terms of any insurance policy, which are set by the insurer.

Limitation of liability

To the extent the law allows, SimpliSent, Inc and New Horizon Insurance Services are not liable for indirect, incidental, special or consequential damages arising from your use of the site. This section does not limit liability for fraud, for gross negligence, or for any duty owed to you as an insurance applicant or policyholder under California law.

Governing law

These terms are governed by the laws of the State of California.

Complaints. Nothing in these terms limits your right to complain to the California Department of Insurance about an insurance matter.

Changes to these terms

We may update these terms. The date at the top shows when they last changed. For a material change we email the address on your request or account before the change takes effect. Continuing to use the site after the effective date means you accept the new terms.

General

If any part of these terms is found unenforceable, the rest remains in effect. These terms and the documents they reference (the Privacy Policy, the Insurance Information Practices Notice, the consumer report authorization, the Electronic Signature and Delivery Consent, the payment authorization, and any surplus lines disclosure you sign) are the whole agreement between you and SimpliSent, Inc about the site. Our failure to enforce a term is not a waiver of it.

• Privacy Policy
• Insurance Information Practices Notice

Contact us

Questions about these terms? Email quotes@casa.insure or write to us at SimpliSent, Inc., 929 N Val Vista Dr, Ste 109 #1110, Gilbert, AZ 85234.