Terms of Use
Effective date: November 10, 2026. Operator: The James R. Whelan Agency, LLC (Pay Per Call Now).
These Terms of Use govern your use of the Home & Auto Compare website. By using the site, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the site.
An advertising service, not an insurer
This website is an advertisement operated by The James R. Whelan Agency, LLC. We are not an insurance company, insurance agency, or insurance broker. We do not sell, solicit, or negotiate insurance, and nothing on this site is an offer of insurance or a quote. When you call the number displayed on the site, you are connected to a licensed insurance agent. Only a licensed agent may discuss specific quotes, underwriting, or a policy you might buy.
This site is not affiliated with any insurance carrier and does not use any carrier’s name or logo. The licensed agent who answers your call is responsible for that agent’s own licensing, quotes, and sales practices.
U.S. residents; English-language calls
The page is intended for people seeking homeowners or auto insurance information in the United States. Calls are answered in English. We do not represent that the licensed agent is available in every area at every hour, or that any particular product will be offered to you.
No guarantee of savings, coverage, or a switch
We do not promise that you will save money, pay less than you pay now, qualify for a discount or a bundle, obtain any specific coverage, or be able to change insurance companies. Comparison quotes, premiums, deductibles, discounts, and underwriting decisions vary and are made by licensed agents and insurers, not by this website. General descriptions on the site of terms such as comprehensive, collision, deductibles, and medical payments are educational only and are not advice about the coverage you should buy.
Click-to-call; no form
The site provides a telephone link so you can place a call. You decide whether to call. The site does not include a callback or quote-request form. Standard rates from your own telephone provider may apply to the call.
Acceptable use
You agree not to misuse the site, attempt to disrupt or probe it, scrape it in a way that burdens our systems, or use it for any unlawful purpose. We may change or discontinue the site at any time.
Intellectual property
The site’s design, text, and graphics are owned by The James R. Whelan Agency, LLC or used with permission. You may not copy the site for commercial use without our written consent. “Home & Auto Compare” is an advertising brand used on this website.
Disclaimer of warranties
The site is provided “as is.” We make no warranties, express or implied, about the site’s availability, accuracy, or fitness for a particular purpose, or about any insurance product that may later be discussed on a call. Insurance is regulated, and only the licensed agent and the issuing insurer can make coverage representations.
Limitation of liability
To the fullest extent permitted by law, The James R. Whelan Agency, LLC and its owners, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, arising out of your use of the site or a call placed from it. Our total liability for claims arising out of the site will not exceed one hundred dollars ($100). Some states do not allow certain limitations; in those states, our liability is limited to the maximum extent permitted.
Third parties
Calls connect you to a licensed agent who is not us. We are not responsible for that agent’s advice, quotes, availability, or conduct, or for the terms of any policy an insurer may issue.
Governing law
These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules, except that insurance activity discussed on a call is also subject to the insurance laws of the state where the licensed agent is licensed. Exclusive venue for disputes arising out of this website, to the extent they may be heard in court, is the state or federal courts serving Palm Beach County, Florida, unless the law requires otherwise.
Changes
We may update these terms from time to time. The effective date will change when we do. Your continued use of the site after an update means you accept the revised terms.
Contact
Questions about these terms may be directed to The James R. Whelan Agency, LLC through the contact information published at thejrwa.com.