Effective Date: September 16, 2026
Welcome to the website of Jim Pennock Insurance Agency, Inc. (“Jim Pennock Insurance,” “Pennock Insurance,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of our website, online services, forms, communications, and related services (collectively, the “Services”).
By accessing or using our website or Services, you agree to these Terms. If you do not agree with these Terms, please do not use our website or Services.
Jim Pennock Insurance Agency, Inc. is an insurance agency that provides insurance products and related services. Our agency offers assistance with various types of insurance, which may include auto, home, commercial, life, renters, farm, agricultural, powersports, and other insurance products.
We may work with one or more insurance companies or insurance carriers to obtain insurance options for customers.
The availability of insurance products, carriers, coverage, limits, deductibles, premiums, eligibility, and policy terms varies based on individual circumstances, applicable underwriting requirements, and the state in which coverage is requested.
Information provided through our website or communications is for general informational purposes and does not guarantee that insurance coverage will be available or issued.
Submitting a quote request, application, inquiry, or other information does not create an insurance policy or guarantee coverage.
Insurance coverage becomes effective only when an insurance carrier has approved the application and coverage has been bound or issued in accordance with the applicable carrier's requirements.
Your insurance policy, declarations page, endorsements, applications, and other documents issued by the applicable insurance carrier govern your actual coverage.
Website content, emails, text messages, estimates, quotes, conversations, or other general information do not modify, expand, or replace the terms of an insurance policy.
If there is a conflict between these Terms or website information and the terms of an insurance policy, the applicable insurance policy controls.
Any quote, premium estimate, coverage option, or other pricing information provided through our Services is subject to verification and may change.
Quotes may depend on information provided by you, information obtained from third parties, underwriting requirements, driving or claims records, property information, credit-related information where legally permitted, and other factors used by an applicable insurance carrier.
A quote is not a guarantee of the final premium or coverage.
You agree to provide accurate, current, and complete information when using our Services.
You are responsible for reviewing information submitted on your behalf and promptly notifying us of any errors or changes that could affect an insurance application, quote, or policy.
Providing inaccurate, incomplete, or misleading information may affect eligibility, premiums, coverage, claims, or the validity of an insurance policy.
Insurance premiums, fees, payment schedules, cancellations, reinstatements, refunds, and related billing matters are generally governed by the applicable insurance carrier and policy documents.
Unless expressly stated otherwise, Jim Pennock Insurance Agency is not responsible for a carrier's billing decisions, payment processing, cancellation decisions, underwriting decisions, claims determinations, or other carrier-specific actions.
Insurance claims are handled according to the terms and conditions of the applicable insurance policy and by the responsible insurance carrier.
If you need to report a claim, you should follow the claim-reporting instructions provided by your insurance carrier or contact our agency for assistance when appropriate.
Submitting information through our website does not necessarily constitute timely notice of a claim to your insurance carrier. You are responsible for complying with all applicable policy requirements and claim-reporting deadlines.
We make reasonable efforts to provide accurate and useful information on our website. However, we do not warrant that all information is complete, current, or error-free.
Insurance laws, regulations, products, rates, underwriting guidelines, and carrier offerings may change.
Nothing on this website should be interpreted as legal, financial, tax, or professional advice.
Our website may contain links to websites, applications, or services operated by third parties, including insurance carriers and service providers.
We do not control and are not responsible for the content, privacy practices, security, availability, or terms of third-party websites or services.
Your use of third-party websites is subject to the applicable third party's terms and privacy policies.
By communicating with us electronically, including through our website, email, online forms, or text messaging, you consent to receive electronic communications relating to your inquiry, account, insurance services, or other communications for which you have provided consent.
Electronic communications may include emails, text messages, appointment reminders, policy-related notifications, customer-service communications, and other permitted communications.
Message and data rates may apply to text messages depending on your mobile carrier and plan.
If you voluntarily opt in to receive text messages from Jim Pennock Insurance, you consent to receive text messages at the mobile number you provide.
Message frequency may vary. Message and data rates may apply.
You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP or contact our office.
Your consent to receive marketing text messages is not a condition of purchasing insurance or other services.
We do not sell or rent your mobile phone number or SMS consent information to third parties for their own marketing purposes.
For additional information regarding our use of personal information and SMS communications, please review our Privacy Policy and SMS/Text Messaging Privacy Policy.
Your use of our Services is also subject to our Privacy Policy.
Our Privacy Policy describes how we collect, use, disclose, and protect personal information.
By using our Services, you acknowledge that you have reviewed our Privacy Policy.
Unless otherwise stated, the content on this website, including text, graphics, logos, photographs, designs, and other materials, is owned by or licensed to Jim Pennock Insurance Agency, Inc. and is protected by applicable intellectual property laws.
You may view and use website content for personal, non-commercial purposes.
You may not reproduce, distribute, modify, publish, sell, or commercially exploit website content without our prior written permission.
You agree not to:
- Use the website for unlawful purposes;
- Attempt to gain unauthorized access to our systems;
- Interfere with the operation or security of the website;
- Submit false, fraudulent, or misleading information;
- Introduce malicious software or code;
- Scrape, copy, or systematically collect website information without permission; or
- Use our website in a manner that violates applicable law.
To the extent permitted by law, our website and Services are provided on an “as is” and “as available” basis.
We do not guarantee that the website will always be available, uninterrupted, secure, or free of errors.
We disclaim warranties to the fullest extent permitted by applicable law, including implied warranties that cannot lawfully be excluded.
To the fullest extent permitted by law, Jim Pennock Insurance Agency, Inc. and its officers, employees, agents, representatives, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the website or Services.
Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.
To the extent permitted by law, you agree to indemnify and hold harmless Jim Pennock Insurance Agency, Inc. and its officers, employees, agents, and representatives from claims, liabilities, damages, losses, and expenses arising from your unlawful use of the website, violation of these Terms, or submission of false or misleading information.
We may update or modify these Terms from time to time.
Updated Terms will be posted on this website with a revised effective date. Your continued use of the website after changes are posted constitutes acceptance of the updated Terms to the extent permitted by law.
These Terms will be governed by the laws of the State of California, except to the extent that applicable law requires otherwise.
Nothing in these Terms is intended to deprive you of rights or protections provided to you under applicable insurance laws or regulations.
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect to the extent permitted by law.
These Terms, together with our Privacy Policy and any other policies specifically incorporated by reference, constitute the agreement governing your use of our website and Services, except where separate written agreements or insurance policies apply.
If you have questions regarding these Terms, please contact:
Jim Pennock Insurance Agency, Inc.
1508 Wentworth Pl
San Marcos, CA 92069
Phone: (760) 815-4402
Email: jpennock@sbcglobal.net
Important: These website Terms and Conditions do not replace or modify the terms of any insurance policy, application, endorsement, or other contract issued by an insurance carrier.