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Terms of use

Last updated August 2026.

Terms & Conditions

1. About these terms and about Haven

Effective date: October 1, 2026

These Terms & Conditions (“Terms”) govern your use of wearehaven.com, our phone and automated phone (IVR) services, and our text messaging program (together, the “Services”), provided by We Are Haven, LLC (“Haven,” “we,” “us”). By using the Services you agree to these Terms and to our Privacy Policy. If you do not agree to these Terms, please do not use the Services.

We are an insurance agency, not an insurance company. Haven is a licensed insurance agency (National Producer Number 22342129; Texas License No. 3547877). We are in the process of becoming licensed in all U.S. States and the District of Columbia, and we are currently licensed in AL, AZ, CO, IL, LA, MD, MN, NC, OH, SC, TN and TX. We compare and place insurance coverage with insurance carriers. Your insurance policy is a contract between you and the carrier that issues it. The insurance policy is governed by the terms set by the issuing carrier, not these Terms.

Compensation. Haven is typically paid a commission by the carrier that issues your policy. Additional information about the compensation we receive is available upon request.

2. Quotes, applications and coverage

  • Quotes are estimates. Any quote Haven provides is based on the information you provide and the carrier’s rules at the time the quote is provided. The carrier determines final eligibility and premium after underwriting which may differ from the initial quote.
  • Accurate information. You agree to give complete and truthful information. Inaccurate or incomplete information may affect your premium or eligibility, delay coverage, or result in a carrier denying a claim, cancelling or rescinding a policy.
  • No coverage until confirmed. Nothing on our website or on a phone call, email or text message is an offer of insurance, a binder or proof of coverage. Coverage begins only when the carrier (or Haven acting under written authority from the carrier) confirms coverage in writing and any required payment has been made through an approved payment method.
  • Nothing is bound or paid by text. Haven will never bind, issue, change or cancel coverage, or accept a payment, by text message. A text reply such as “yes” does not buy, bind or change a policy. If you receive a text that claims otherwise or asks for payment details, do not respond and contact us at support@wearehaven.com.
  • Consumer reports. To provide an insurance quote, Haven and applicable carriers may obtain insurance scores, driving records and claims history, as permitted by applicable law. By requesting a quote, you authorize us and the applicable carrier to obtain this information to the extent permitted by applicable law.
  • Your policy documents control. If anything we say differs from the terms of your policy, the terms of you policy control. Please read your policy carefully and contact us if you have any questions.

3. SMS Messaging Terms

  1. Program. Haven’s text messaging program sends messages to customers and individuals who have requested a quote. Messages may include scheduling a time to speak with us, confirming information needed to finalize a quote, application and policy updates, renewal and billing reminders, claims assistance, customer service and marketing communications.
  2. How you opt in. Haven will send you text messages only if you provide express consent in one of three ways: (a) by agreeing verbally on a recorded call after a Haven agent provides these program details; (b) by checking an unchecked consent box on a wearehaven.com form; or (c) by pressing a key through our automated phone system (IVR) after hearing these program details. By opting in, you consent to receive recurring text messages from Haven, including marketing messages about quotes and coverage, at the number you provide. Haven may send text messages using automated technology.
  3. Consent is optional. Consent to receive texts is not a condition of buying any product or service.
  4. Frequency and timing. Message frequency varies based on your quote or policy activity. We send text messages only between 8:00 am and 8:00 pm in your local time zone, except messages you specifically request.
  5. Cost. Message and data rates may apply, according to your mobile plan. Haven does not charge you for text messages.
  6. Stopping texts. Reply STOP to any text message to stop receiving text messages from Haven. We also honor QUIT, END, CANCEL, UNSUBSCRIBE, REVOKE, OPT OUT and any other reasonable request to stop receiving text messages made, whether by text, phone, email or in writing. You will receive one final text confirming your opt-out and we will not send you further text messages. To resume receiving text messages from Haven, reply START or opt in again by one of the methods described above.
  7. Help. Reply HELP for help, or contact support@wearehaven.com
  8. No payments, binding or sensitive data. Haven will never request payment, card or bank details, or a Social Security number by a text message, and never binds, issues or changes coverage through a text message. Please do not send this information by text message.
  9. Your number. You confirm you are the subscriber or regular user of the mobile number you provide to us. If you change or relinquish that number, please notify us promptly so that we can update our records and help protect your privacy by avoiding sending text messages to the number’s new user.
  10. Carriers. Supported carriers include the major U.S. wireless carriers. Mobile carriers are not liable for delayed or undelivered messages. Delivery is not guaranteed.
  11. Privacy. We handle your information as described in our Privacy Policy. We do not share your mobile number with any third parties or affiliates for their own marketing or promotional purposes.

4. Calls, IVR and recordings

  • Recording. Calls with Haven, including through our IVR, may be recorded or monitored for quality, training and record-keeping purposes and to document your consent. We will notify you at the beginning of each call if it may be recorded or monitored. By continuing the call after receiving that notice, you consent to the recording. If you do not wish to be recorded, please tell us and we will offer another way to communicate with us.
  • Recordings as records. A recording, IVR entry or form submission showing your agreement may serve as an electronic signature and record of your consent under the federal E-SIGN Act and applicable state electronic transactions laws.
  • Calls from Haven. If you request a quote, you agree that Haven may call you at the number you provide regarding your request. We honor requests to stop receiving calls and maintain an internal do-not-call list.

5. Using our website

  • Eligibility. You must be at least 18 to request a quote or use the Services.
  • Acceptable use. You agree not to misuse the Services, including by giving false information or someone else’s contact information without their authorization, interfering with the security or operation of the Services, scraping or harvesting data, or otherwise collecting data from the Services without authorization, or using the Services for any unlawful purpose.
  • Our content. The Haven name, logo, website text and design belong to Haven or its licensors. You may view and print pages for personal use only.
  • Educational content. Articles and other general information on our site are provided for educational purposes only. They are not legal advice, insurance advice, or advice about your specific coverage needs. Coverage is subject to the terms, conditions, limitations and exclusions of each policy.
  • Third-party links. Links to carriers’ or other third-party sites are provided for convenience. We are not responsible for their content, functionality or privacy practices.
  • Electronic communications. To the extent permitted by applicable law, you agree that we may provide notices, disclosures and other records to you electronically, including by email or through our website. You may request paper copies of electronic records at no charge by contacting us. You are responsible for keeping your email address and other contact information current.

6. Disclaimers, limitation of liability and indemnity

  • Disclaimer. The website and its content are provided “as is” and “as available.” To the extent permitted by applicable law, Haven disclaims all warranties about the website and its content, whether express or implied, including merchantability, fitness for a particular purpose, title, noninfringement and uninterrupted, secure or error-free operation. Nothing in this disclaimer limits any duty Haven owes you as a licensed insurance agent under applicable state law.
  • Limitation of liability. To the fullest extent permitted by applicable law, Haven will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages arising out of or relating to your use of the website or text messaging program. Haven’s total liability for claims arising out of or relating to your use of the Services will not exceed $100. These limitations do not apply to claims relating to the placement or servicing of your insurance, Haven’s gross negligence or willful misconduct, fraud, or violation of applicable law, or any liability or remedy that cannot be limited or excluded under applicable law.
  • Carrier decisions. Haven does not control carriers’ underwriting, pricing, claims, renewal, nonrenewal, cancellation or other policy decisions, and is not responsible for those decisions.
  • Indemnity. You agree to indemnify, defend and hold harmless Haven, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your misuse of the Services or from your submission of false, misleading, inaccurate or unauthorized information, including another person’s contact information or phone number you are not authorized to use.

7. Disputes, governing law, changes and contact

  • Talk to us first. Most concerns can be resolved quickly. Please contact support@wearehaven.com and allow us 30 days to try to resolve your concern. You may also contact your state department of insurance at any time.
  • Governing law. These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules, except to the extent that applicable law requires the law of your state of residence or another jurisdiction to apply, including applicable state insurance laws.
  • Changes. We may update these Terms from time to time. Any updated version of the Terms and will apply prospectively to your use of the Services on and after the date it is posted. Where required by applicable law, we will provide active text-message subscribers with notice of material changes to the text messaging program.
  • Severability. If any provision of these Terms is held to be invalid unenforceable, the remaining provisions will remain in full force and effect.
  • Contact. We Are Haven, LLC, support@wearehaven.com.

Contact

support@wearehaven.com