Laws and Regulations

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

Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Informational Purposes Only

The product material described on this Site is provided for informational purposes only. This material is intended solely to provide a general overview of the types of products and range of services available from HCI

Products Not Available in All States

The products described on this Site may not be available in all states or other jurisdictions.

Policy Restrictions, Limitations and Terms

The products referenced on this Site have restrictions, limitations, and terms regarding coverage. For complete details concerning coverage and product availability in your state, call 713-626-2838.

Linked Internet Sites

HCI only partners with carriers who guarantee the privacy of site visitors using their (the carriers) quote generating engines.

Use of Cookie Files

Some sites and pages within our Sites use “cookies.” A cookie is a small file that is stored on your hard drive and contains no personally identifiable information about you and your usage of our sites. A cookie cannot read data off your hard drive or read cookie files created from other sites. You are free to decline our cookie if your browser has been set to prompt or decline cookies.

Limitation of Liability

HCI specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if HCI has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User’s computer equipment. Under no circumstance will HCI be liable for any loss or damage caused by a User’s reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

Changes to Rules and Regulations

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

Mandatory, Binding Arbitration

You agree that any claim or dispute between you and HCI or any officer, director or employee of HCI related to your use of this Site or any information herein, including the validity of this provision regarding Mandatory, Binding Arbitration, regardless of the amount or value of such claim or dispute, will be resolved by mandatory, binding arbitration by the National Arbitration Forum in accordance with its Code of Procedure then in effect, except that any arbitration will be conducted in, and any hearing will be held in, San Diego, California. Information may be obtained and claims may be filed at any office of the National Arbitration Forum (www.arb-forum.com) or at P.O. Box 50191, Minneapolis, MN 55405. This provision regarding Mandatory, Binding Arbitration will be governed by the Federal Arbitration Act.

Contact Information

If users have any questions or suggestions regarding our terms and conditions please contact HCI at:

5920 Star Lane
Houston, Texas 77057
Fax 713-626-1817
Toll Free 888-626-6858
Toll Free Fax 888-626-1817


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