Effective Date: September 9, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website operated by 49th Insurance LLC, doing business as 49th St Insurance (“49th St Insurance,” “we,” “our,” or “us”).

By accessing or using this website, you acknowledge that you have read and agree to these Terms. If you do not agree, please do not use the website.

This website provides general information about 49th St Insurance and the insurance products and services we may offer.

The website’s content is provided for general informational purposes only. It does not constitute insurance, legal, financial, tax, or other professional advice.

Availability, eligibility, coverage, policy terms, limits, exclusions, and premiums vary by insurance carrier, applicant, risk, and location.

Submitting information through this website, requesting a quote, sending an email or text message, leaving a voicemail, uploading a document, or making a payment does not automatically bind, issue, renew, change, extend, reinstate, or cancel insurance coverage.

Insurance coverage is not effective unless and until:

• All required information and documentation have been received;
• Any required premium has been received and processed;
• The applicable insurance carrier has approved the application or requested transaction; and
• You receive confirmation from an authorized representative or insurance carrier.

Do not use the website, email, voicemail, or text messaging to report an urgent coverage request, request same-day coverage, make a time-sensitive policy change, or cancel a policy.

You are responsible for contacting our office during normal business hours and obtaining written confirmation that your requested insurance transaction has been completed.

Any quote, premium estimate, coverage description, comparison, or other insurance information provided through the website is preliminary and subject to verification.

A quote is not a contract, binder, guarantee of coverage, or promise that a particular rate or policy will be available. Final premiums and coverage are determined by the applicable insurance carrier based on its underwriting guidelines and the information submitted.

Insurance policies are issued by independent insurance carriers—not by this website. If information on the website conflicts with an insurance application, binder, declaration page, endorsement, or policy, the terms of the applicable insurance document will control.

49th St Insurance does not guarantee that every available insurance carrier, policy, discount, or coverage option will be included in a quote or comparison.

You agree to provide complete, current, and accurate information when requesting a quote, applying for insurance, making a payment, or requesting a policy-related transaction.

Providing false, incomplete, or misleading information may result in an inaccurate quote, denial of coverage, policy cancellation or rescission, claim denial, premium adjustment, or other consequences permitted by law.

You are responsible for reviewing all applications, policy documents, identification cards, declaration pages, invoices, and other materials for accuracy and promptly notifying us of any errors or requested corrections.

You are responsible for reviewing your insurance needs, selected coverage, limits, deductibles, exclusions, endorsements, and policy documents.

Information presented on the website may not describe every available coverage or every limitation or exclusion. You should speak with a licensed insurance professional if you have questions about your coverage.

You are also responsible for notifying us when circumstances affecting your insurance needs change, including changes involving drivers, vehicles, property, business operations, locations, ownership, occupancy, household members, or other material risk information.

The website is not an emergency-response or claims-reporting service.

In an emergency, call 911 or the appropriate emergency authority.

Insurance claims should be reported directly to the applicable insurance carrier using the telephone number, website, mobile application, or instructions shown on your insurance policy or identification card.

Messages sent to 49th St Insurance outside normal business hours may not be reviewed until the next business day. Reporting an incident to us does not necessarily constitute formal notice of a claim to the insurance carrier.

Making or attempting to make a payment through the website or a linked third-party service does not guarantee that the payment has been received, processed, or accepted.

You are responsible for confirming that payments were successfully processed and that your policy remains active. A failed, late, returned, reversed, or declined payment may affect coverage according to the terms of the applicable policy and applicable law.

49th St Insurance does not control the processing times, security practices, or availability of third-party payment providers or insurance-carrier payment systems.

When you contact us electronically, you consent to receive responses and transactional communications electronically, including by email, telephone, or text message, as appropriate.

Electronic communications may not always be secure, uninterrupted, or received immediately. Do not submit highly sensitive information through ordinary email or an unsecured website form unless we specifically request it through an approved method.

Any marketing text-message consent will be obtained separately when required. Consent to receive marketing messages is not a condition of purchasing insurance. You may opt out of marketing text messages by replying STOP.

Our collection and use of personal information are further described in our Privacy Policy.

You may use this website only for lawful, personal, or legitimate business purposes related to obtaining information about our services or communicating with 49th St Insurance.

You may not:

• Use the website for fraudulent, unlawful, or deceptive purposes;
• Submit false information or impersonate another person;
• Attempt to access restricted systems, accounts, or data;
• Introduce viruses, malicious code, or other harmful technology;
• Interfere with the website’s operation or security;
• Scrape, copy, harvest, or collect website information through automated means without permission;
• Use website content in a manner that infringes another party’s rights; or
• Attempt to circumvent website security features.

We may restrict or terminate website access when we reasonably believe these Terms have been violated.

The website and its original content—including text, graphics, logos, branding, design, layout, and other materials—are owned by or licensed to 49th St Insurance and are protected by applicable intellectual-property laws.

You may view and print website content for your personal, noncommercial use. You may not reproduce, modify, distribute, publish, sell, license, or commercially exploit website content without prior written permission.

Insurance-carrier names, trademarks, and logos belong to their respective owners. References to an insurance carrier do not imply sponsorship or endorsement beyond an authorized business relationship, when applicable.

This website may contain links to insurance carriers, payment processors, social-media platforms, consumer portals, and other third-party websites or services.

Third-party websites are governed by their own terms and privacy policies. We do not control and are not responsible for their content, availability, security, accuracy, or practices.

Providing a link does not necessarily constitute an endorsement of the third party or its products and services.

We attempt to keep the website reasonably accurate and available, but we do not guarantee that:

• The website will always be uninterrupted or error-free;
• Every error or technical problem will be corrected;
• Information will always be complete, current, or accurate; or
• The website will be free from viruses or other harmful components.

We may modify, suspend, or discontinue any part of the website without notice.

To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis.

49th St Insurance disclaims warranties regarding the website’s operation, availability, accuracy, fitness for a particular purpose, and noninfringement, except for warranties that cannot legally be excluded.

Nothing in these Terms modifies or replaces the terms, conditions, rights, or obligations contained in an insurance policy or other written agreement.

To the fullest extent permitted by law, 49th St Insurance and its owners, employees, representatives, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the website.

This includes losses arising from website interruptions, transmission delays, inaccurate information, third-party websites, unauthorized access, or reliance on website content.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

Your use of the website is also subject to our Privacy Policy, available at:

https://49ins.com/privacy-policy

The Privacy Policy explains how we collect, use, disclose, retain, and protect personal information.

We may revise these Terms periodically. Updated Terms will be posted on this page with a revised effective date.

Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.

Unless applicable law requires otherwise, disputes relating to these Terms or the website will be brought in a court of competent jurisdiction located in Bexar County, Texas.

If any provision of these Terms is determined to be unlawful or unenforceable, the remaining provisions will continue in effect. The affected provision will be enforced to the maximum extent permitted by law.

Our failure to enforce a provision of these Terms does not waive our right to enforce that provision or any other provision later.

Questions about these Terms may be directed to:

49th St Insurance
Legal business name: 49th Insurance LLC
Mailing address: 3522 Paesanos Parkway, Suite 305B, San Antonio, Texas 78231
Email: info@49ins.com
Telephone: (210) 460-2009