Centennial Insurance
Terms of Use — United States and U.S. Territories
Last updated: September 7, 2026
These Terms of Use ("Terms") govern your use of Centennial Insurance websites, forms, Coverage Check tools, appointment features, messaging programs, and related online services operated by Centennial Insurance LLC, doing business as Centennial Insurance ("Centennial," "we," "us," or "our").
These Terms apply to users in the 50 U.S. states, the District of Columbia, Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, and the Commonwealth of the Northern Mariana Islands. Mandatory consumer, insurance, privacy, and communications laws in your jurisdiction remain applicable and are not waived by these Terms.
1. Website Purpose
Centennial provides general insurance education, digital intake, Coverage Check tools, appointment scheduling, and access to licensed insurance professionals. Website content is not a policy, binder, guarantee of coverage, underwriting decision, legal opinion, tax advice, investment advice, or promise that a particular insurer will issue coverage.
2. No Coverage Is Bound by General Website Use
Insurance coverage is not effective merely because you visit the website, complete a form, receive a Coverage Check result, speak with an advisor, receive a preliminary indication, receive a text/email, or upload documents.
Coverage becomes effective only when all required conditions are satisfied and an insurer or other authorized party confirms binding or issuance in accordance with applicable law, authority, and policy terms.
3. Coverage Check vs. Policy Review
A Centennial Coverage Check is based on information you provide about your situation and current coverage. It is not a review of an insurance contract Centennial has not received.
A true policy review generally requires policy documents, a current statement, an in-force illustration, or other carrier documentation. Centennial does not represent that it has verified policy guarantees, riders, cash values, exclusions, conversion provisions, surrender charges, or other contract terms until the relevant documents have been received and reviewed through an authorized process.
4. Insurance Availability and Licensing
Insurance products, carriers, rates, policy forms, underwriting, producer licensing, appointments, and availability vary by state/territory and applicant. A page appearing on the website does not mean Centennial is authorized to transact every insurance product in every jurisdiction.
Licensed insurance activity is conducted only through properly authorized entities and individuals in jurisdictions where the required authority is active.
5. Your Responsibilities
You agree to provide accurate and complete information and promptly correct information that becomes inaccurate. You are responsible for reviewing applications, policy documents, beneficiary designations, owner information, premiums, and other insurance records before signing or accepting them.
You may not use the website to submit false or misleading information, impersonate another person, interfere with security, upload malicious software, attempt unauthorized access, or violate law.
6. Electronic Communications
By using electronic features, you agree that Centennial may provide communications electronically where law permits. Marketing calls and texts are governed by separate consent language and are not required as a condition of purchasing insurance or receiving a quote.
If a law requires a separate consent to electronic delivery of a particular insurance document, Centennial will obtain that consent separately.
9. Calls, Automated Outreach, Artificial/Prerecorded Voice, and AI
If you provide legally sufficient consent, Centennial may contact you using automated dialing/selection technology, prerecorded or artificial voice, or AI-generated/AI-assisted voice or content as specifically disclosed in the consent.
When an AI conversational agent directly interacts with you, Centennial will identify the system as AI and not a human at the beginning of a voice interaction and before a written AI interaction. The AI is not a licensed insurance producer and cannot independently bind coverage.
You can request a licensed human at any time for material insurance questions.
10. Call Recording and Transcription
Centennial may record or transcribe calls only after providing legally required notice and obtaining any legally required consent. As a nationwide policy, Centennial will request affirmative permission before recording or retaining audio/transcripts for quality, training, or compliance.
If you decline, Centennial will use a non-recorded permitted process when reasonably available or arrange another communication method.
11. Revoking Consent and Do-Not-Contact Requests
You may revoke marketing consent by any reasonable method that clearly communicates your request. Centennial's policy is to process clear marketing revocations within 24 hours across its automated marketing channels, unless you specifically ask to retain a particular type of communication.
A revocation of marketing consent does not prevent Centennial from sending legally permitted nonmarketing communications that are necessary to complete a transaction or request you initiated, but such communications will not include marketing after an applicable opt-out.
12. AI and Insurance Decisions
AI may assist with intake, scheduling, summarization, quality assurance, routing, or general information. Unless separately approved under applicable law and carrier rules, Centennial does not use an AI system alone to make a final decision about eligibility, underwriting, pricing, policy replacement, approval/declination, or binding.
Where an automated decision tool is legally regulated, Centennial will provide any required notice, explanation, appeal/review path, assessment, or human review before using it for a covered insurance decision.
13. Intellectual Property
Unless otherwise stated, the website, brand assets, text, graphics, layouts, code, and tools are owned by Centennial or licensed to Centennial. You may use website content for personal, noncommercial informational purposes. You may not commercially exploit, scrape at scale, reverse engineer, or republish protected content without permission except as permitted by law.
14. Third-Party Services
The website may link to or integrate carrier, scheduling, communications, analytics, secure-upload, e-signature, payment, or other third-party services. Third parties may have separate terms and privacy practices.
15. Disclaimer of Warranties
To the maximum extent permitted by law, the website and online tools are provided on an "as is" and "as available" basis. Centennial does not warrant uninterrupted operation, error-free content, a particular insurance result, eligibility, price, carrier decision, or policy issuance.
Nothing in these Terms limits rights that cannot lawfully be waived.
16. Limitation of Liability
To the maximum extent permitted by law, Centennial is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from use of general website content or online tools. This section does not limit liability that cannot lawfully be limited and does not alter duties or remedies under an insurance contract or mandatory insurance/consumer law.
17. Indemnification
To the extent permitted by law, you agree to indemnify Centennial for claims arising from your intentional unlawful misuse of the website, intentional submission of false information, or infringement of third-party rights. This does not apply where indemnification is prohibited or to claims caused by Centennial's own conduct to the extent law prevents such shifting.
18. Governing Law
Federal law applies where controlling. Otherwise, these Terms are governed by Colorado law to the extent permitted, without displacing mandatory consumer, insurance, privacy, communications, or other protections in the state or territory where you reside or where a transaction occurs.
19. Changes
We may update these Terms. Material changes will be posted with a new Effective Date. Where additional consent is legally required, continued use alone will not substitute for that consent.
20. Contact
Centennial Insurance
Centennial Insurance LLC
19751 Mainstreet, Parker, CO 80138
support@centennialinsurance.org
(719) 666-6650
Privacy: support@centennialinsurance.org