Terms of Use

Using this site means accepting the terms set out on this page. They apply to every visitor, whether a page is simply being read, a quote is being requested or an account has been created. Anyone who does not agree with these terms should stop using the site.

This site exists to explain home insurance cover and to make it easier to request a quote. The material published here is general in nature and is not a policy document, a binding offer or a promise that any particular cover will be available.

• Descriptions of structure, belongings and liability cover
• Guidance on rebuild limits and optional add ons
• A form for sending questions about a property
• Account tools for keeping request details together

Anyone creating an account is responsible for keeping the login details private and for everything done through that account. Access should not be shared. Where a password is thought to be known by someone else, it should be changed immediately and the situation reported using the contact details below.

Quotes and cover suggestions are only as sound as the details they are built on. Information submitted through this site must be accurate and complete, and it must be updated when circumstances at the property change.

• Property details such as build type, size and condition
• The value and nature of belongings kept inside the home
• Contact details used for replies and service messages
• Any prior claims history relevant to the request

Any figure shown or shared through this site is an indication based on the details supplied at that moment. Cover only exists once a policy has been issued by an insurer and the required payment has been made. Wording, limits and exclusions in the issued policy document always take priority over anything written on this site.

This site should be used lawfully and in a way that does not disrupt it for anyone else.

• No attempt to gain access to restricted areas or other accounts
• No automated scraping, harvesting or bulk copying of content
• No uploading of harmful code or deliberately false information
• No use of the site to send unsolicited commercial messages

Text, layout, graphics, photography and code published on this site are protected and remain the property of their respective owners. Pages may be viewed and printed for personal reference. Reproducing, republishing or adapting any part of the site for commercial purposes requires written permission first.

Some pages may link to material hosted elsewhere. Those destinations are run independently, and their content, security and privacy practices sit outside the control of this site. Visiting them is done at your own discretion, and their terms will apply once a link is followed.

This site is provided on an as available basis. Every effort is made to keep the information accurate and the pages online, though no guarantee is given that content will be free of error or that access will be uninterrupted. To the fullest extent permitted by law, no liability is accepted for indirect or consequential loss arising from use of this site. Nothing here limits any right that cannot lawfully be limited.

These terms may be revised as services or legal duties change. The revision date shown at the top of this page always reflects the current version, and continued use of the site after an update means the revised terms apply.

Questions about these terms can be sent to lilly.thomson@housesoflily.com or +1 (302) 202-6303. Written inquiries can be posted to 8 W Loockerman St Dover DE 19904.