Terms of Use

Effective Date: January 1, 2025
Last Updated: January 1, 2025

Welcome to the website of Decoster Wilson Duthie Agency, Inc. (“Decoster Wilson Duthie Agency,” “DWD,” “we,” “us,” or “our”). These Terms of Use govern your access to and use of this website and any pages, content, features, forms, or services made available through it (collectively, the “Website”).

By accessing or using this Website, you acknowledge that you have read, understood, and agree to these Terms of Use. If you do not agree with these terms, please do not use the Website.

This Website is provided for general informational and business purposes. Information presented on the Website is not intended to constitute legal, financial, tax, insurance, risk-management, or other professional advice.

You should not rely solely upon information contained on this Website when making decisions regarding insurance coverage, risk management, claims, financial matters, or other significant business or personal matters.

Use of this Website, submission of an online form, request for information, request for a quote, email communication, or other electronic communication with Decoster Wilson Duthie Agency does not create, bind, modify, extend, renew, or reinstate insurance coverage.

Insurance coverage is subject to the terms, conditions, limitations, exclusions, underwriting requirements, and approval of the applicable insurance policy and insurance carrier.

No insurance coverage shall be considered bound, changed, cancelled, or otherwise modified unless expressly confirmed through appropriate authorized channels.

Do not use this Website or email to report an emergency or assume that an insurance-related request has been received or processed.

Any insurance quote, premium indication, coverage description, estimate, comparison, or other information provided through or in connection with this Website is for informational purposes unless otherwise expressly stated.

Quotes may be subject to underwriting review, verification of information, carrier approval, eligibility requirements, policy terms, other conditions.

Actual premiums and coverage may differ from preliminary estimates or information displayed or communicated electronically.

The applicable insurance policy and endorsements ultimately govern the terms and extent of coverage.

We endeavor to provide useful and accurate information; however, we do not warrant that W