Insurance Disclaimer & Regulatory Notice

1. Not an Insurance Company or Underwriting Producer

Veritty (https://veritty.org) is an independent informational website operated from Madison, Connecticut. Veritty is not an insurance company, an underwriter, an insurance agency, a licensed broker, or an insurance producer. We do not underwrite, sell, issue, bind, or administer insurance policies of any kind.

2. No Binding of Insurance Coverage

Nothing on this website creates, binds, amends, or cancels an insurance policy or contract. Submitting an inquiry, completing a form, or clicking a link on this website does not bind coverage, initiate a claim, or establish an insurer-insured relationship. Coverage can only be bound through a licensed insurance agent, broker, or authorized representative of an admitted or surplus-lines insurance carrier after formal application, underwriting review, and premium payment.

3. Market Reference Prices Are Illustrative Only

Any numerical rate figures displayed on Veritty (including references such as $25/month for homeowners, $5/month for renters, or $30/month for car insurance) are illustrative market benchmarks derived from competitor references. They do not represent guaranteed quotes, available policies, or actual offers from Veritty. Veritty does not guarantee that any consumer will receive coverage at these rates.

4. Individual Underwriting Determines Actual Rates

Actual insurance premiums, policy terms, deductibles, coverage limits, and eligibility depend strictly on independent underwriting factors evaluated by authorized insurers, including but not limited to:

• Property Characteristics: Location, age of construction, roof condition, fire department protection class, square footage, building materials, and safety systems.
• Applicant History: Prior insurance claims history (Comprehensive Loss Underwriting Exchange / CLUE reports), insurance scoring, and credit-based scores where permitted by state law.
• Auto Risk Factors: Vehicle make and model, annual commuting mileage, driver age, motor vehicle records (MVR), and moving violations.
• State Regulations: State statutory minimums, mandatory endorsements, and insurance department rate filings.

5. Policy Contract Primacy

The summaries, guides, and feature comparison tables on this website are generalized overviews intended for consumer education. They do not supersede, modify, or interpret the specific language of any policy. In the event of any conflict between the information presented on Veritty and an actual executed insurance policy, the specific language, conditions, exclusions, and endorsements of the insurance contract issued by the underwriting carrier shall strictly govern.

6. Excluded Perils and Specialized Coverage

Standard property insurance policies do not cover all losses. Hazards such as flooding, storm surge, earthquake, land subsidence, sewer backup, and intentional damage generally require specialized riders or separate standalone policies. Consumers must review their specific policy jackets and declarations pages with a licensed agent.

7. Contact Information

For questions regarding this Insurance Disclaimer: