Effective date: July 9, 2026 | Last updated: July 9, 2026
1. Acceptance of These Terms
These Terms of Service (“Terms”) govern access to and use of www.cheaplandlordinsurance.com and related web pages, quote forms, portals, content, and communications (collectively, the “Site”). The Site is operated by Jump Insurance Services, a DBA of Rebecca Byrom Insurance Agency Inc (“Jump Insurance Services,” “we,” “us,” or “our”), under the Cheap Landlord Insurance website and brand.
By accessing or using the Site, you agree to these Terms and the Privacy Policy. If you do not agree, do not use the Site. Additional terms, disclosures, consents, carrier forms, or policy provisions may apply to a particular quote, application, electronic transaction, or insurance policy. If those terms conflict with these Terms, the more specific terms govern the specific transaction.
2. Eligibility and Authority
You must be at least 18 years old and have legal capacity to use the Site for an insurance transaction. If you use the Site for a company, trust, partnership, property owner, or another person, you represent that you are authorized to act for that party and to provide the information submitted.
3. Our Role and Licensing
Cheap Landlord Insurance is a website and brand operated by Jump Insurance Services, a DBA of Rebecca Byrom Insurance Agency Inc, a licensed insurance agency. California Insurance License No. 0L75450. We are not an insurance carrier unless expressly stated. Insurance products are offered through one or more unaffiliated insurers, managing general agencies, wholesalers, or other licensed insurance-market participants.
We serve customers throughout the United States, subject to insurance licensing, carrier appointments, and product availability in each state. Products and services are offered only in jurisdictions where the applicable entity and producer are properly licensed and the product is authorized. We may refer or transfer an inquiry to an appropriately licensed producer or partner and will disclose the relevant party as required.
4. Insurance Information Is Not Coverage
No binding effect: Submitting information, requesting a quote, receiving an estimate, uploading a document, paying through an unapproved channel, or communicating through the Site does not bind, issue, renew, amend, or cancel insurance coverage. Coverage exists only when confirmed in writing by an authorized insurer or producer and all applicable conditions are satisfied.
Site content is general information, not a recommendation that a particular limit, deductible, endorsement, carrier, or policy is suitable. Policy forms, exclusions, conditions, limits, deductibles, endorsements, and carrier underwriting rules control. You should review the actual policy and ask a licensed insurance professional about your needs.
The word “cheap” is part of the Site’s brand and does not guarantee the lowest price, a particular premium, or the broadest coverage. Quotes and savings vary by applicant, property, carrier, state, market conditions, and coverage selections.
5. Quotes, Applications, and Underwriting
Quotes are estimates based on information available at the time and may change after verification, inspection, underwriting, consumer reports, loss history, valuation, carrier review, or selection of final terms. A quote is not an offer or guarantee of coverage unless the authorized insurer expressly states otherwise.
You agree to provide complete, current, and accurate information and to promptly correct material changes. This may include ownership, occupancy, rental use, vacancy, renovations, claims, losses, property condition, short-term rental activity, business use, number of units, and other underwriting facts. Misrepresentation, omission, or failure to disclose a material change may lead to a changed quote, denial, rescission, cancellation, nonrenewal, or claim consequences, subject to applicable law.
When required, separate applications or disclosures may authorize carriers or service providers to obtain insurance scores, consumer reports, loss histories, property reports, inspections, or other underwriting data. These Terms do not replace any authorization or adverse-action notice required by law.
6. Landlord and Property Information
You are responsible for determining whether landlord, dwelling fire, commercial property, general liability, umbrella, flood, earthquake, business income, equipment breakdown, ordinance or law, cyber, or other coverage may be appropriate. The Site does not promise that all products or endorsements are available.
Landlord insurance generally does not insure a tenant’s personal property or substitute for renters insurance, and coverage for short-term rentals, vacant properties, renovations, subsidized housing, high-hazard properties, or commercial occupancy may require specialized underwriting. Actual coverage depends solely on the issued policy.
7. Accounts, Security, and Permitted Use
If the Site offers an account or portal, you must safeguard credentials, use accurate contact information, and notify us promptly of suspected unauthorized access. You are responsible for activity under your credentials to the extent permitted by law.
You may use the Site only for lawful, bona fide insurance inquiries or account activity. You may not:
Submit false, deceptive, fraudulent, infringing, or unlawfully obtained information.
Access another person’s account or submit another person’s personal information without authority.
Interfere with the Site, introduce malware, bypass security, scrape or harvest data, test vulnerabilities without written permission, or use automated means that burden the Site.
Copy, republish, reverse engineer, frame, or commercially exploit Site content except as allowed by law or written permission.
Use the Site in a way that violates insurance, privacy, communications, sanctions, export, or other applicable laws.
We may suspend or restrict access to protect users, the Site, insurers, or other parties; investigate misuse; or comply with law.
8. Communications
8.1 Service and Transactional Communications
When you provide contact information, we may respond and send communications concerning an inquiry, quote, application, underwriting question, policy, billing or payment, renewal, lapse or cancellation risk, claim, service request, security matter, or other transaction or relationship, subject to applicable law and your communication choices.
8.2 SMS/MMS
Where you consent or where otherwise permitted, we may send SMS or MMS. Message frequency varies and message and data rates may apply. Reply STOP to opt out and HELP for help. A text opt-out does not cancel a policy, withdraw an application, or stop notices that must or may be delivered through another lawful channel. Do not use text messaging for emergencies, time-sensitive claim reporting, or instructions to bind, change, or cancel coverage unless we confirm in writing that the requested action has been completed.
8.3 Marketing
Marketing consent is optional and not a condition of obtaining a quote or purchasing insurance. Marketing emails include an unsubscribe method. Marketing texts or calls that require prior consent will be sent only after the required consent is obtained. These Terms are not, by themselves, express written consent to receive marketing texts or calls.
Additional SMS terms will be presented when you enroll or consent and are available upon request. See the Privacy Policy at https://www.cheaplandlordinsurance.com/privacy-policy for additional details.
9. Electronic Signatures and Electronic Delivery
The parties may use electronic signatures and records where allowed by law. An electronic signature may have the same legal effect as a handwritten signature when properly obtained. These Terms do not force you to consent to electronic delivery of records that law requires to be provided in writing.
If you affirmatively opt in to electronic delivery through a separate disclosure or process, we may provide the described records by email, secure portal, e-signature platform, or another approved electronic method. That process will describe covered records, hardware and software requirements, paper-copy rights, contact-update procedures, and withdrawal of consent. Some notices or records may still be delivered by mail or another method required by law, carrier procedure, or practical necessity.
10. Payments
If payment functionality is offered, payment processing may be performed by an insurer, premium-finance company, or third-party processor under its own terms. A submitted payment is not effective until accepted and applied by the authorized recipient. You are responsible for confirming due dates, amounts, and policy status. Contact agency.services@jumpins.com promptly about a disputed, rejected, duplicated, or unauthorized payment.
11. Claims and Time-Sensitive Notices
Do not rely on the Site for urgent matters: Unless the Site expressly provides an authorized claim-reporting function, sending a form, email, chat, or text through the Site does not constitute notice of a claim or satisfy a policy deadline. Report claims directly to the insurer or designated claims administrator using the instructions in the policy. For emergencies, call 911 or the appropriate emergency service.
Do not assume that a request to bind, endorse, renew, cancel, or reinstate coverage has been completed until you receive written confirmation from an authorized insurer or producer.
12. Third-Party Services and Links
The Site may link to or integrate with carrier systems, payment processors, inspection services, mapping tools, e-signature platforms, social media, or other third parties. We do not control their systems, terms, privacy practices, availability, or content. A link or integration does not constitute endorsement, and your use of a third-party service is governed by its terms.
13. Intellectual Property
The Site and its text, design, graphics, logos, software, forms, arrangement, and other content are owned by us or our licensors and are protected by intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable license to use the Site for personal or internal business purposes related to seeking or servicing insurance. No other rights are granted.
14. Feedback and Submitted Content
You retain ownership of information and materials you submit. You grant us and our service providers a nonexclusive license to host, copy, transmit, process, and use submitted content as reasonably necessary to provide the Services, conduct insurance transactions, protect the Site, and comply with law. Do not submit content you lack authority to provide.
If you voluntarily provide ideas or feedback about the Site, we may use them without restriction or compensation, provided we do not publicly identify you without permission.
15. Privacy
Our Privacy Policy at https://www.cheaplandlordinsurance.com/privacy-policy explains how we handle personal information. Carrier and third-party privacy notices may also apply. If you provide personal information about a tenant, co-owner, employee, property manager, mortgagee, or other person, you represent that you are authorized to do so and will provide any notice required by law.
16. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS, OR THAT QUOTES, DATA, OR CONTENT WILL BE COMPLETE OR CURRENT.
Nothing in these Terms excludes a warranty or right that cannot lawfully be excluded. Insurance obligations are governed by the issued policy and applicable law, not this disclaimer.
17. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHEAP LANDLORD INSURANCE AND ITS OWNERS, AFFILIATES, LICENSORS, SERVICE PROVIDERS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THE SITE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING FROM OR RELATED TO THE SITE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID DIRECTLY TO US FOR USE OF THE SITE DURING THE SIX MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) $100. THIS LIMIT DOES NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED BY LAW OR TO OBLIGATIONS EXPRESSLY ASSUMED UNDER AN ISSUED INSURANCE POLICY BY THE INSURER.
18. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Cheap Landlord Insurance and its owners, affiliates, licensors, service providers, and representatives from third-party claims, damages, liabilities, and reasonable costs arising from your unlawful misuse of the Site, your material violation of these Terms, or information or content you submit without authorization. This section does not require indemnification for our own negligence, willful misconduct, or other liability that cannot lawfully be shifted.
19. Changes, Availability, and Termination
We may modify, suspend, or discontinue Site features and may update these Terms. Revised Terms will be posted with a new “Last updated” date, and additional notice will be provided where required. Changes apply prospectively from their effective date. Your continued use after that date constitutes acceptance to the extent permitted by law.
20. Governing Law and Venue
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where federal law applies or your state’s nonwaivable consumer protections require otherwise. Subject to any nonwaivable right or exclusive federal jurisdiction, proceedings relating to these Terms or the Site must be brought in the Superior Court of California, County of San Diego, and each party consents to that court’s jurisdiction. This section does not create an arbitration agreement or waive a right to a jury trial.
21. General Terms
If any provision is unenforceable, it will be enforced to the maximum lawful extent and the remaining provisions remain effective. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them as part of a merger, reorganization, sale, or transfer of the Site or business. Headings are for convenience only. These Terms, the Privacy Policy, and any applicable transaction-specific terms are the entire agreement concerning use of the Site.
22. Contact
Jump Insurance Services, a DBA of Rebecca Byrom Insurance Agency Inc
| 7960 Silverton Ave. #203, San Diego, CA 92126 | California License No.
0L75450
Email: agency.services@jumpins.com | Phone: 888-724-7242 | Web:
www.cheaplandlordinsurance.com