Effective Date: October 14, 2026
Please read these Terms of Use (“Terms”) carefully before using the Lower Home Premium website at lowerhomepremium.com (the “Site”), which is operated by Rubicon Performance. By accessing or using the Site, you agree to these Terms.
Lower Home Premium is a free informational and referral service. The Site asks a few short questions and, where relevant, provides a phone number that connects you with a licensed insurance agent or agency who can discuss homeowners insurance.
We are not an insurance company or a licensed insurance agent. Rubicon Performance is a marketing company. We do not sell, quote, or bind insurance, and we are not a party to any policy or agreement between you and any agent, agency, or carrier. We may be compensated by agents, agencies, or marketing partners when you call.
We are not an insurance carrier and are not affiliated with any government agency. Rates, coverage, and savings vary by state, property, carrier, and coverage selected, and are determined solely by the agent or carrier.
Any result shown on the Site is based only on the answers you provide and is for general information. It is not a quote, an offer of coverage, or a determination of eligibility for any plan, price, or discount. Final coverage, pricing, and eligibility are determined only by the agent, carrier, or applicable program.
By calling a number shown on the Site, you agree that your call may be routed through a call-tracking provider, and may be recorded and monitored for quality assurance, training, and compliance purposes. The agent you speak with may offer products from one or more carriers and may not offer every plan available in your area.
You agree to use the Site only for lawful purposes. You may not:
• Use the Site to transmit spam, malware, or harmful content
• Attempt to gain unauthorized access to any part of the Site
• Use automated tools to scrape or harvest data from the Site
• Provide false information or misrepresent your identity
The Site may link to or connect you with third-party agents, agencies, websites, and services. We do not endorse and are not responsible for third-party products, services, content, or privacy practices. Your use of third-party services is subject to their own terms and policies.
All content on the Site, including text, graphics, and design, is owned by Rubicon Performance or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
The Site is provided “as is” and “as available” without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that any particular coverage, price, or savings will be available to you.
To the fullest extent permitted by law, Rubicon Performance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site, or from any products or services you obtain from a third party through the Site.
We may modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of the Site after any changes means you accept the updated Terms.
These Terms are governed by the laws of the State of Florida, without regard to its conflict of law provisions.
If you have questions about these Terms, contact us at [email protected].