Terms & Conditions

Welcome to The Nerds Nest. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. Please read them carefully, as they govern your relationship with us and outline your rights and responsibilities when using our insurance services.

By visiting our website at thenerdsnest.com, requesting a quote, or purchasing insurance coverage through The Nerds Nest, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.

The Nerds Nest is an independent insurance agency that provides home insurance quotes, policy recommendations, and ongoing support to homeowners. We work with multiple trusted insurance carriers to help you find coverage that fits your needs and budget. Our services include providing quotes from multiple insurance carriers, helping you compare coverage options and pricing, assisting with policy applications and enrollment, offering ongoing policy management and support, and facilitating claims assistance when needed. We do not underwrite or issue insurance policies directly. Coverage is provided by our partner insurance companies, and final policy terms are subject to the insurer's approval and underwriting guidelines.

To receive a quote or purchase insurance through The Nerds Nest, you must be at least 18 years old and legally able to enter into a binding contract. You agree to provide accurate, complete, and up-to-date information about yourself, your property, and any other details required for quoting or underwriting purposes. Providing false, incomplete, or misleading information may result in denial of coverage, cancellation of your policy, or denial of claims. It is your responsibility to update us if any information changes after you receive a quote or purchase a policy.

All quotes provided by The Nerds Nest are estimates based on the information you provide. Final premium amounts may vary based on additional underwriting review, inspection results, credit checks, or other factors determined by the insurance carrier. Quotes are typically valid for 30 days from the date they are issued, but this may vary by carrier. Pricing is subject to change at any time based on carrier policies, market conditions, or regulatory requirements.

Your insurance policy becomes effective only after it has been formally bound by the insurance carrier and all required payments have been processed. Coverage does not begin until you receive written confirmation from the carrier, even if you have submitted an application or made a payment. The Nerds Nest acts as an intermediary between you and the insurance carrier. We do not have the authority to bind coverage on behalf of carriers without their express approval.

Payment for your insurance policy is due according to the terms set by your insurance carrier. Most carriers offer monthly, quarterly, or annual payment plans. By selecting a payment plan, you authorize The Nerds Nest or the carrier to charge your selected payment method on the agreed-upon schedule. Failure to make timely payments may result in cancellation of your policy and loss of coverage. You are responsible for maintaining sufficient funds in your account to cover scheduled payments.

You may cancel your insurance policy at any time by contacting The Nerds Nest or your insurance carrier directly. Refunds for unused premiums will be processed according to the carrier's cancellation policy, which may include short-rate penalties or administrative fees. Insurance carriers may also cancel your policy for non-payment, fraud, misrepresentation, or other reasons outlined in your policy documents. In such cases, you may not be entitled to a refund.

If you need to file a claim, contact your insurance carrier directly or reach out to The Nerds Nest for assistance. We will help guide you through the claims process, but final claim decisions are made by the insurance carrier, not by The Nerds Nest. Any disputes regarding coverage, claim denials, or policy terms should be directed to your insurance carrier. If you are unable to resolve a dispute with the carrier, you may contact your state insurance department for further assistance.

The Nerds Nest provides insurance advisory and placement services but does not guarantee coverage approval, claim payments, or any specific outcome. We are not liable for any decisions made by insurance carriers, including policy cancellations, claim denials, or premium adjustments. Our liability is limited to the extent permitted by law, and we are not responsible for any indirect, incidental, or consequential damages arising from your use of our services.

We take your privacy seriously. All personal information collected through our website or services is handled in accordance with our Privacy Policy. By using our services, you consent to the collection, use, and sharing of your information as described in that policy.

All content on The Nerds Nest website, including text, graphics, logos, images, and software, is the property of The Nerds Nest or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our written permission.

Our website may contain links to third-party websites for your convenience. We do not control or endorse these sites and are not responsible for their content, privacy practices, or terms of use. Accessing third-party websites is at your own risk.

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes your acceptance of the revised terms.

These Terms and Conditions are governed by the laws of the State of Georgia, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be resolved in the courts located in Conyers, Georgia.

If you have any questions about these Terms and Conditions, please contact us at [email protected], call us at +1 (470) 200-1819, or visit us at 1775 Parker Road, Conyers GA 30094.

By using The Nerds Nest services, you acknowledge that you have read, understood, and agree to these Terms and Conditions in their entirety.