Terms of Service

These Terms of Service ("Terms") govern your use of the website and services provided by Knight Family Agency ("we," "us," or "our"), a licensed insurance agency located in Belding, Michigan. By accessing our website at knightfamilyagency.com or submitting any form, you agree to be bound by these Terms.

1. Services Provided

Knight Family Agency is an authorized Farmers Insurance agency. We provide insurance quotes, policy consultation, and related services for auto, home, life, business, renters, recreational, and farm insurance. We act as an independent agent and work with multiple carriers including Farmers Insurance, Bristol West, Foremost Insurance, and others.

2. SMS Terms & Conditions

1. SMS Consent Communication

Information (phone numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

2. Types of SMS Communications

If consent has been given to receive text messages from Knight Family Agency, messages may be received related to the following:

• Customer care

Example Message: Knight Family Agency: Thank you for requesting more information. Our agents will be in touch soon. Reply STOP to opt-out.

3. Message Frequency

Message frequency may vary depending on the type of communication. For example, you may receive up to 4 SMS messages per week related to insurance quotes, appointments, and billing.

4. Potential Fees for SMS Messaging

Standard message and data rates may apply, depending on the carrier's pricing plan. These fees may vary if the message is sent domestically or internationally.

5. Opt-In Method

Opt-in to receive SMS messages from Knight Family Agency can be done in the following ways:

• By submitting an online form at https://knightfamilyagency.com/quote

6. Opt-Out Method

Opting out of receiving SMS messages can be done at any time by replying "STOP" to any SMS message received. Alternatively, direct contact can be made to request removal from the messaging list.

7. Help

For any issues, reply with the keyword HELP to any message you receive. Alternatively, help can be obtained directly from us at https://knightfamilyagency.com.

Additional Options: If SMS messages are not desired, the SMS consent box on forms can be left unchecked.

8. Standard Messaging Disclosures

3. Email Communications

By submitting your email address, you consent to receive email communications from Knight Family Agency including quote information, policy updates, and periodic informational content. You may unsubscribe at any time by clicking the unsubscribe link in any email or by visiting knightfamilyagency.com/unsubscribe.

4. Website Use

When using our website, you agree to:

• Provide accurate and complete information when submitting forms
• Use the site only for lawful purposes
• Not attempt to disrupt, hack, or compromise the security of our website or systems
• Not reproduce or distribute content from this site without our written permission

5. Quote Information

Any insurance quotes provided through our website or communications are estimates only and are subject to full underwriting review by the applicable carrier. Final premiums and coverage terms are determined by the insurer and may differ from initial estimates. Quote information does not constitute a binding agreement or guarantee of coverage.

6. Intellectual Property

All content on this website — including text, images, logos, graphics, and design — is the property of Knight Family Agency or its licensors and is protected by applicable copyright and trademark laws. The Farmers Insurance name, logo, and related marks are trademarks of Farmers Group, Inc. and are used by Knight Family Agency under authorization as a licensed Farmers agent.

7. Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that the site will be error-free or uninterrupted, or that information provided is complete, accurate, or current. Insurance products and availability vary by state and carrier underwriting guidelines.

8. Limitation of Liability

To the extent permitted by applicable law, Knight Family Agency shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or reliance on information provided herein. Our total liability for any claim shall not exceed the amount paid, if any, by you to us in connection with the relevant service.

9. Third-Party Links

Our website may contain links to insurance carriers, payment portals, and other third-party websites. These links are provided for your convenience only. We are not responsible for the content, privacy practices, or terms of any third-party website. We encourage you to review the terms and privacy policies of any third-party site you visit.

10. Governing Law

These Terms are governed by the laws of the State of Michigan, without regard to its conflict-of-law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Kent County, Michigan.

11. Changes to These Terms

We reserve the right to update these Terms at any time. We will post the revised Terms on this page with an updated effective date. Your continued use of our website or services after any changes constitutes your acceptance of the updated Terms.

12. Contact Us

If you have questions about these Terms of Service, please contact us: