Terms & Conditions
Effective Date: May 1,2026
Raff Insurance Solutions LLC
By accessing or using our website, you agree to the following Terms & Conditions. Please read them carefully.
USE OF THIS WEBSITE
This website is provided for general informational purposes regarding insurance products and services. By using this site you agree:
Information you submit is accurate and complete.
You will not misuse or attempt to disrupt the website.
NO GUARANTEE OF COVERAGE OR QUOTES
Submitting information through this website does not guarantee:
Insurance coverage
Eligibility for any policy
Final pricing or rates
All quotes are preliminary and subject to:
Underwriting review
Consumer reports (where permitted by law)
Verification of drivers, property details, and risk factors
Coverage is not bound until:
Confirmed by licensed agent
Accepted by insurance carrier
Payment is received
INDEPENDENT AGENCY DISCLOSURE
Raff Insurance Solutions LLC is and independent insurance agency.
We are not an insurance carrier. We work with multiple insurance companies to provide coverage options.
Our agency is supported by Secure American Insurance, which provides backend support and market access. However:
Policies are issued by third part insurance carriers
Coverage terms, conditions, and claims decisions are determined by those carriers.
We do not control underwriting or claims outcomes.
NO PROFESSIONAL OR LEGAL ADVICE
The information on this website is for general guidance only and should not be considered:
Legal advice
Financial advice
Coverage guarantees
For specific recommendations, please speak directly with a licensed agent.
USER SUBMISSION & CONSENT
By submitting information through our forms including but not limited to VIN’s, driver’s license numbers, or personal details, you agree that:
You authorize us to use your personal information to provide insurance quotes
We may obtain consumer reports, such as motor vehicle reports (MVR), where permitted by law.
We may contact you via phone, text, or email regarding your request
You are responsible for ensuring all submitted information is accurate.
COMMUNICATIONS
By providing your contact information, you consent to receive:
Calls & text messages (including automated messages, where applicable)
Messaging frequency may vary
Emails related to quotes, polices, and service updates
Message and data rates may apply. You may opt out of communications at any time.
To opt out at any time, text STOP. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.
For assistance, text HELP or visit our website at www.raffinsurancesolutionsllc.com
NO WARRANTIES
The website is provided “as is” without warranties of any kind
We do not guarantee
Website availability or uninterrupted access
Accuracy of completeness of all content
That the site is free from errors or technical issues
THIRD-PARTY LINKS
This website may include links to third party websites or tools.
We are not responsible for:
Content or accuracy of third-party sites
Their privacy practices and terms
Any interactions you have with those providers
LIMITATION OF LIABILITY
To the fullest extent permitted by law, Raff Insurance Solutions LLC shall not be liable for:
Any direct or indirect damages arising from the use of this website
Decisions made based on website content
Delays, errors, or interruptions in service
CHANGES TO TERMS
We may update these Terms & Conditions at any time without prior notice.
Updates will be posted on this page with a revised effective date.
CONTACT US
If you have any questions about these Terms & Conditions, please contact:
Raff Insurance Solutions LLC
Email:
Phone Number:
Registered Agent Address:
784 S Clearwater Loop STE B, Post Falls, ID 83854
We are a fully remote agency. Registered Agent address is used for legal correspondence only, we do not operate a physical office at this location and do not accept in person visits.
For information on how we collect and use your data, please review our Privacy Policy.
For information on our terms and conditions please review our Terms and Conditions.
DISCLAIMER
Raff Insurance Solutions LLC is an independent insurance agency offering insurance solutions through a variety of unaffiliated insurance carriers. We are not tied to any single insurer, which allows us to shop coverage options and provide recommendations tailored to our clients’ individual and business needs.
Raff Insurance Solutions LLC operates in partnership with Secure American Insurance, which provides administrative support and agency infrastructure. Secure American Insurance does not underwrite, issue, or provide insurance policies or coverage.
All insurance policies are issued by third-party insurance carriers and are subject to their individual underwriting guidelines, terms, conditions, and approval.
Coverage descriptions on this website are for general informational purposes only and do not modify or replace the terms, conditions, or exclusions of any insurance policy. Actual coverage is determined solely by the policy language issued by the insurance carrier.
Submitting information through this website, requesting a quote, or speaking with an agent does not bind coverage or guarantee issuance of a policy. Coverage is not in effect until it has been confirmed by the insurance carrier and any required payments have been received.
Not all products, coverages, or discounts are available in all states. Eligibility and pricing are subject to change and final underwriting approval.
While we strive to provide accurate and up-to-date information, Raff Insurance Solutions LLC makes no warranties or guarantees regarding the completeness, accuracy, or reliability of information provided on this website.
For specific coverage details, please review your policy documents or consult directly with a licensed agent.