Terms & Conditions

Last updated: August 2026

1. Acceptance of these terms

By accessing or using the Cover H-Town website (the "Site"), requesting a quote, or otherwise engaging with Cover H-Town ("Cover H-Town," "we," "us," or "our"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use the Site.

2. Who we are

Cover H-Town is an independent, licensed health and life insurance agency serving Houston, Texas and surrounding areas. We are not an insurance carrier. We help individuals, families, and businesses compare private insurance plans, Medicare plans, and related products from multiple licensed carriers.

3. No offer or guarantee of coverage

Information on this Site is provided for general, educational purposes and does not constitute an offer, binding quote, or guarantee of insurance coverage. Actual eligibility, premiums, and benefits are determined by the insurance carrier and are subject to underwriting, application review, and the terms of the applicable policy. Cover H-Town does not offer every plan available in your area; any information we provide is limited to the plans we do offer.

4. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these terms. You may not: (a) use the Site in any way that could damage, disable, or impair it; (b) attempt to gain unauthorized access to any part of the Site or its related systems; (c) use automated tools to scrape or harvest data from the Site; or (d) submit false, misleading, or fraudulent information through any form on the Site.

5. Consent to be contacted

By submitting a quote request, contact form, or application through this Site, you consent to be contacted by Cover H-Town and/or our licensed agents by phone, text message, and email regarding insurance products and services, including through the use of automated dialing technology. Message and data rates may apply. Consent is not a condition of purchasing any product or service. You may revoke this consent at any time by contacting us using the information in Section 11 below or by following the opt-out instructions provided in our communications.

6. Third-party carriers and links

The Site may reference or link to third-party insurance carriers, government resources (such as Medicare.gov), or other third-party websites. Cover H-Town does not control and is not responsible for the content, accuracy, or privacy practices of any third-party site. Your use of any third-party site is subject to that site's own terms and policies.

7. Intellectual property

All content on this Site, including text, graphics, logos, and images, is the property of Cover H-Town or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our prior written permission.

8. Disclaimer of warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied. Cover H-Town does not warrant that the Site will be uninterrupted, error-free, or that any information provided is complete, current, or accurate.

9. Limitation of liability

To the fullest extent permitted by law, Cover H-Town shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the Site or reliance on any information provided through it.

10. Governing law

These terms are governed by the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of the Site will be resolved in the state or federal courts located in Texas.

11. Changes to these terms

We may update these Terms & Conditions from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised terms.

12. Contact us

If you have questions about these Terms & Conditions, please contact us:

Cover H-Town
Phone: (832) 460-1607
Email: info@coverhtown.com
Houston, TX