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This is a consumer-only website. Any transactions initiated by unauthorized individuals or anyone other than the intended "named insured" on the insurance policy is strictly prohibited.

USE OF SITE

American Bankers Insurance Company of Florida and Ranchers and Farmers Mutual Insurance Company and American Security Insurance Company and Voyager Indemnity Insurance Company collectively, "We" "Our" or "Us", require that each visitor ("User, "You", or "Your") to this renter's insurance Internet site on the World Wide Web (this "Site") adhere to the following Terms and Conditions, which may have been revised since You last visited the Site. Please read these Terms and Conditions carefully before using this Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. Each User is bound by any revisions to these Terms and Conditions and should visit this page at each visit to review the current Terms and Conditions. If the User does not agree to all of the Terms and Conditions, he or she should not use this Site.

TERMS AND CONDITIONS

Site Purpose and Conditions

This Site is for You to review, receive a quote, if desired, enroll in a renter's insurance program offered by either American Bankers Insurance Company of Florida or Voyager Indemnity Insurance Company, and, in Texas, offered by American Bankers Insurance Company of Florida and Ranchers and Farmers Mutual Insurance Company, and, in Minnesota, offered by American Security Insurance Company. This site is only intended to be used by consumers or by individuals who have been given authorization by Assurant Specialty Property to use this site. Any unauthorized use or misuse will promptly be reported to the applicable state department of insurance. In order for You to apply, You must provide Us with certain personal information. We cannot guarantee that, in all circumstances, that We will receive your application via this tool. We, therefore, request that You contact Us by telephone at 1-800-432-8612, Monday through Friday from 8 a.m. to 8 p.m. EST, or write us at American Bankers Insurance Company of Florida, Specialty Services, 5th Floor, P.O. Box 979220, Miami, Florida 33197, if You have not received a response within three (3) weeks of Your original Internet submission. If You do not desire to enroll electronically (over the Internet), please call us at 1.866.720.3213 Monday through Friday 8 a.m. to 10 p.m. and Saturday 10 a.m. to 5 p.m. EST to enroll by telephone. All payment options may not be available to YOU, by telephone, due to certain legal restrictions. To protect the security of your data, You should utilize a browser, Internet Explorer 8.0 or higher, with 128 bit encryption or higher.

No Warranty

Although We strive to ensure the accuracy of this Site at all times and to ensure its security, We expressly disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, and accuracy. Information in this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. We have no obligation to update information on this Site, so such information may be out of date at any given time. We also may make improvements or changes in products described on this Site at any time without notice. However, if You apply for the renter's insurance, You will be contacted regarding any changes that may have a material impact on Your application, prior to processing Your application.

Limitation of Liability/Disclaimer

WE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF, OR INABILITY TO USE, OUR SITE; (2) FAILURE OF PERFORMANCE; (3) ERROR; (4) OMISSION; (5) INTERRUPTION; (6) DEFECT; (7) DELAY IN OPERATION OR TRANSMISSION; (8) COMPUTER VIRUS; OR (9) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. IN THE EVENT WE MAY BE HELD LIABLE FOR ANY DAMAGES RELATIVE TO OUR SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITE.
THE MATERIAL ON OUR SITE IS PROVIDED "AS IS." WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN OUR SITE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) DEFECTS WILL BE CORRECTED; (4) OUR SITE, OR THE SERVERS THAT MAKE OUR SITE AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) INFORMATION CONTAINED IN OUR SITE IS ACCURATE AS OF ANY PARTICULAR DATE. INFORMATION ON OUR SITE MAY BE MODIFIED AT ANY TIME WITHOUT NOTICE.

No Representation as to Suitability

We make no representation as to the financial or other suitability of any product or service described on this Site for any User.

Copyright, Trademarks and Service Marks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of American Bankers Insurance Company of Florida or affiliates (collectively "Assurant"). Users are prohibited from using any Mark for any purpose without the express written permission of Assurant.

Ownership

The design, text and images of this Site are owned, controlled or licensed by Assurant. Assurant retains all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Assurant or any of their licensors of any rights in such material and does not transfer any rights to any User of the Site.

Linking

This Site may contain hyperlinks to Web sites operated, owned or maintained by parties other than Us. Such hyperlinks are provided solely as a matter of convenience. We do not control such Web sites and are not responsible for their contents. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by Us of the material on such Web sites or any association with their operators. Access to any such other site linked to this Site is at the User's own risk.

You may not establish a link or hyperlink to this Site or reference this Site on any Web site or in any materials published by You, without Our express written permission.

Use of Cookie File

Some sites and pages within this Site may use "cookies." A cookie, for the purpose of this Legal Notice, is a small file that is stored on your hard drive and contains no personally identifiable information about the User's use of this Site. A cookie used by Us cannot read data off the User's hard drive or read cookie files created from other sites. The User is free to decline a cookie if the User's browser has been set to prompt or decline cookies. It is possible that the declination of a cookie may not be able to use the Site information and functions successfully.

Products Not Available

The products and services described in this Site relate to products and services available within the United States. Such products and services may not be available in all states.

Laws and Regulations

Access to and use of this Site are subject to all applicable federal, state and local laws and regulations in the United States.

Forward-Looking Statements

This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and no assurances can be given that such statements will prove to be correct.

Changes to Terms and Conditions

Assurant reserves the right to revise theses Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions.

Violations of Terms and Conditions

We reserve the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.

Underwriting Entities

You are provided the following information pursuant to various state insurance laws, including, but not limited to, those of California, Massachusetts and Missouri. Each insurer has sole financial responsibility for its own products.


Insurance Company National Association of Insurance Commissioners' ID # Jurisdictions in US Where Authorized to Do Business State of Domicile
American Bankers Insurance Company of Florida
11222 Quail Roost Drive, Miami, FL 33157
(305) 253-2244
10111 All States & the District of Columbia Florida
Ranchers and Farmers Mutual Insurance Company
505 Orleans, Suite 400, Beaumont, TX 77703
(409) 291-4400
10199 Texas Texas
American Security Insurance Company
260 Interstate N Circle - SE, Atlanta, GA 30339
(770) 763-1000
42978 All States except NH Delaware
Voyager Indemnity Insurance Company

260 Interstate N Circle - SE, Atlanta, GA 30339
(770) 763-1000
40428 Georgia Georgia