Effective Date: October 14, 2026
Lower Home Premium is operated by Rubicon Performance (“we,” “our,” or “us”). This Privacy Policy explains how we collect, use, and share information when you use our website at lowerhomepremium.com (the “Site”) or call a phone number shown on the Site.
Questionnaire answers: The Site asks a few short questions, such as whether you own your home and whether your home is currently insured. These answers are used on the page to show you relevant next steps. We do not ask for your name, address, Social Security number, or medical history on the Site.
Phone calls: If you call a number shown on the Site, your call is routed through a call-tracking provider to a licensed insurance agent or agency. We and our partners may receive your phone number, the date, time, and duration of the call, the general location associated with your number, and the page or advertisement that led to the call. Calls may be recorded and monitored for quality assurance, training, and compliance purposes.
Automatically collected information: When you visit the Site we automatically collect technical information, including your IP address, browser type, device type, operating system, referring URL, pages viewed, and advertising click identifiers. This is collected through server logs, cookies, pixels, and similar technologies.
We use the information we collect to:
• Connect you with a licensed insurance agent or agency who can discuss homeowners insurance
• Route and track phone calls and measure which advertisements and pages are effective
• Prevent fraud and maintain the security of the Site
• Improve the Site and your experience
• Comply with legal obligations
Licensed agents and agencies: When you call, your call and related call details are shared with the licensed insurance agent or agency that answers it. Their use of your information is governed by their own privacy policies.
Service providers: We share information with vendors that help us operate the Site, including call-tracking and call-routing providers, hosting providers, analytics providers, and advertising platforms. These providers may use cookies and pixels to measure advertising performance.
Legal requirements: We may disclose information if required by law, subpoena, or other legal process, or to protect our rights or the safety of others.
We do not sell your personal information for money. Some sharing with advertising partners for ad measurement may be considered “sharing” under certain state laws; see Section 9 to opt out.
The Site uses cookies, pixels, and similar technologies to operate the page, swap in tracked phone numbers, and measure advertising performance. You can block or delete cookies in your browser settings. Blocking cookies may affect some features of the Site.
We retain information only as long as necessary for the purposes described in this policy, or as required by law.
We use reasonable administrative and technical safeguards to protect information. However, no transmission over the internet or method of storage is completely secure, and we cannot guarantee absolute security.
The Site is not directed to children under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected such information, please contact us and we will delete it.
We may update this Privacy Policy from time to time. We will post the updated policy on this page with a revised effective date. Your continued use of the Site after any changes means you accept the updated policy.
If you are a resident of California or another state with a consumer privacy law, you may have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, to request correction or deletion of your personal information, and to opt out of the sale or sharing of your personal information or its use for targeted advertising.
To exercise these rights, email [email protected] with the subject line “Privacy Request” and include the phone number you called from, so we can locate your records. We will verify your request and respond within the time required by law. We will not discriminate against you for exercising your privacy rights.
If you have questions about this Privacy Policy, contact us at [email protected].