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Terms & Conditions

Terms and Conditions of Use ALL RIGHTS RESERVED. No part of the materials made available may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without prior written approval.

The precise coverage afforded by Trusted Resource Underwriters Exchange (“TRUE”) is subject to the terms and conditions of the TRUE policies as issued. These coverage summaries are provided for your convenience only and are not intended to replace or supersede the policy’s terms and conditions. Whether and to what extent a particular loss is covered depends on the facts and circumstances of the loss, and the terms and conditions of the policy as issued.

Terms & Conditions of Use

  1. Except for information provided which is directly related the quotation or binding of insurance coverage, the materials made available, including materials in linked sites directly or indirectly accessible from here, are provided “AS IS” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, TRUE DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NONINFRINGEMENT.



  1. The materials that can be accessed from linked sites are not maintained by us and we are not responsible for the contents thereof. Any reference to a linked site or any specific third party product or service by name does not constitute or imply its endorsement by us, and you assume all risk with respect to its use.
  2. Except for information provided which is directly related to the quotation or binding of insurance coverage, we, our affiliates, agents, and suppliers, shall not be liable for any damages, including without limitation, direct, indirect, incidental, special, punitive, consequential, or other damages (including without limitation lost profits, lost revenues, or similar economic loss), weather in contract, tort, or otherwise, arising out of the use or inability to use materials available here or in any linked site, even if we are advised of the possibility thereof, nor for any claim by a third party.
  3. This web site is for your use, and you agree to use this for lawful purposes only. You shall not copy, use, modify, transmit, distribute, reverse engineer, or in anyway exploit copyrighted or proprietary materials available from here, except as expressly permitted by the respective owner(s) thereof. Use of any software available for downloading is governed by the terms of the applicable license agreement accompanying or included with the software. All trademarks, service marks, and trade names are the marks of the respective owner(s), and any unauthorized use thereof is strictly prohibited.

5.You agree to defend, indemnify, and hold us and our affiliates harmless from and against any and all claims, losses, liabilities, damages and expenses (including attorney’s fees) arising out of your unlawful use.

  1. TRUE explicitly disclaims any responsibility for the accuracy, content, or availability of information found on sites that link to or from or sites that are owned by TRUE from third parties not associated with TRUE. TRUE cannot be held responsible for the accuracy, copyright compliance, legality, or decency of material contained in third-party sites, and you hereby irrevocably waive any claim against us with respect to such sites.

7.The terms of use shall be governed in accordance with the laws of the State of Delaware, U.S.A., excluding its conflict of law provisions. We reserve the right to add, delete, or modify any or all terms of use at any time with or without notice.

The TRUE web site may contain other proprietary notices and copyright information, which should be observed. TRUE trademarks including, but not limited to:

  • True Property Insurance

Notice and Procedure for making claims of copyright infringement:
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Service Provider’s Designated Agent. Written notification must be submitted to the following Designated Agent:

Trusted Resource Underwriters Exchange

Attn: Legal

PO Box 5325

Binghamton NY 13902-5325


To be effective, the Notification must include the following:

  1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  2. Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
  4. Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
  5. A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
  6. A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Acceptance Of These Terms
By using this site, you signify your consent to TRUE’s on-line Terms and Condition of Use. If you do not agree to these policies, please do not use this site. We reserve the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time. Your continued use of this site and others that may be owned by TRUE following the posting of changes to these terms will mean you accept those changes. Any changes to this policy will be promptly disclosed in this area.

TRUE Claims Texting Terms and Conditions
Additional terms and conditions may apply.


Last Modified On:  November 5, 2022

Electronic Claims Consent

Enrolling in Electronic Claims Communication means that you voluntarily consent to allowing Trusted Resource Underwriters Exchange (“TRUE”) to electronically deliver claims documents to you via email and have not withdrawn consent. You are responsible for accessing and reading the documents received as the electronic documents have the same legal effect as if printed. You can withdraw your consent at any time or request a mailed copy of a particular document, or documents, free of charge, by contacting our claims department at 833-414-TRUE.  If you withdraw your consent, there shall be no fee imposed as a condition or consequence of such withdrawal.  These Terms and Conditions are applicable specifically to claims correspondence and documents.  By confirming consent electronically, this is confirmation that demonstrates you can access information in the electronic form that will be used for notices or documents delivered by electronic means.

Your documents will be electronically delivered to the email address you provide. It is your responsibility to notify us of any changes to your email address. You will need a computer, tablet or mobile phone capable of accessing your email to receive these documents. You will be able to view, print, or save the documents in Adobe Portable Document format (.pdf). If you do not have a program to view the documents in Abode .pdf format, you can download Adobe Acrobat Reader free of charge at If you have trouble accessing your documents, please notify us of the problem at 833-414-TRUE.  Note, upon a change in hardware or software necessary to access the documents provided electronically, we will provide notice of such revision and you can withdraw your consent without condition or consequence.

If an email sent to you is returned as undeliverable, you will be disenrolled and will resume receiving your claims documents by mail. It is your responsibility to update any changes to your email address with TRUE.  TRUE is not responsible for an inactive or out-of-date email address you provide to us. You may change your email address and if necessary, re-enroll for email communication by contacting us at 833-414-TRUE.  TRUE may amend the terms of this agreement at any time by providing notice of the amended Terms & Conditions to you. If you do not agree with the amended terms, you may withdraw your consent from email communication.

By enrolling in this program, you acknowledge that you have read, understand, and agree to these Terms & Conditions and consent to receive claims documents in electronic format. This agreement is effective immediately when TRUE receives consent to these Terms and Conditions.  Any such withdrawal from these Terms and Conditions shall take effect immediately.


Last Modified On:  October 20, 2020

Privacy Policy

This Internet Privacy Policy applies to Trusted Resource Underwriters Exchange.

Your Rights

Use of Consumer Reports

We use information from consumer reporting agencies such as your credit, claims, and insurance history. This helps us to fairly determine eligibility for our programs and ensure accurate rates for all policies.

Insurance Claims History

We obtain information about insurance claims history from LexisNexis C.L.U.E. (Comprehensive Loss Underwriting Exchange). For information or to dispute any report regarding your insurance claims history, contact LexisNexis at 866-312-8076.  Additional information is available at

Insurance Credit Score

All states (excluding California and Maryland)
We obtain information from LexisNexis to determine your insurance credit score.  LexisNexis is a reseller for Experian and Equifax; LexisNexis does not have access to the consumer’s actual credit file and is unable to change any data contained therein.  However, once a copy of the credit report is obtained by the consumer, the consumer should contact the LexisNexis Consumer Center to question or dispute any information contained in the credit file.  LexisNexis will file a dispute with the credit bureau on behalf of the consumer.  The LexisNexis Consumer Center may be contacted by phone at 1-800-456-6004 or via mail at:

LexisNexis Risk Solutions Consumer Center
P.O. Box 105108
Atlanta, GA 30348-5108

Additional information is available at

Extraordinary circumstances (FL) – Applicable to Homeowners policies only:

If your credit information has been adversely impacted by an extraordinary life circumstance that has occurred within the last 3 years, you may request in writing that we consider this when using your credit information. These extraordinary life circumstances include:

  • Catastrophic event, as declared by the federal or any state government or the Commissioner of Insurance
  • Serious or catastrophic illness or injury to the consumer or the consumer’s immediate family
  • Death of a spouse, child or parent of the consumer
  • Divorce or dissolution of marriage
  • Identity theft
  • Involuntary interruption of legally owed alimony or support payments
  • Temporary loss of employment for a period of three or more consecutive months
  • Military deployment overseas

If you believe any of these apply to you and has impacted your credit, you may request in writing that this be taken into consideration. We will require you to provide specific documentation of this circumstance and demonstrate how it has negatively affected your credit. The request must be made no more than 60 days from the date of the application for insurance or the policy renewal. Please submit your written request and all supporting documentation to Trusted Resource Underwriters Exchange, ATTN: Underwriting Department, PO Box 5325, Binghamton, NY 13902-5325.

Information We Collect from Third Parties

We collect information from affiliated and nonaffiliated third parties, including but not necessarily limited to insurance support organizations and consumer reporting agencies. It may include information about a home, property or homeowner from third party sources or public information. The information may be used to make underwriting and/or business decisions based on the data collected.

Use of Personal Information

We use information from many sources to fairly determine eligibility for our programs and ensure accurate rates for all policies. How we may collect, use and disclose this information is regulated by law. Following is a description of the kinds of information we may collect, how we may collect it, and what is done with the information once it has been collected. We also describe how you can find out what information we have about you in our records or files, and how you can correct inaccurate information. We follow these practices with your information whether you are a policyholder, claimant, former policyholder, or just an inquiring customer.

What kind of information do we collect about you?

We collect some information from you when you call us, complete an application, make a policy change or report a claim. This information includes identifying information such as name, address, date of birth, and social security number, as well as information regarding your home, business, and/or claims history.

We may also obtain information such as credit reports, claims history, and investigative reports from other sources including an inspection of your property. The information we obtain about you may come from other insurance companies, insurance support organizations, credit bureaus, property data collection services, or other sources.

What do we do with the information collected about you?

We may, as permitted by law, disclose your identifying information in our records or files such as name, address, type of house, and claims history. Without your prior permission, we may disclose this information to certain persons or organizations including:

  • Other insurance institutions, financial institutions, agents, or insurance support organizations.
  • Persons who perform a business, professional, or insurance function for us.
  • Businesses that conduct actuarial or research studies.
  • Insurance regulatory authorities.
  • Law enforcement or other governmental authorities.
  • Our affiliated companies who assist our insurance business activities.

Your information may be provided to others in the following circumstances, as permitted by law, for them to:

  • Perform a business, professional, or insurance function for us.
  • Provide information to us in order to
    1. Determine your eligibility for an insurance benefit or payment, or
    2. Detect or prevent criminal activity, fraud, material misrepresentation or material nondisclosure in connection with an insurance transaction
  • Perform a function in connection with an insurance transaction involving you.
  • Conduct an audit of our operations or services.
  • Conduct a joint marketing program with us pursuant to a joint marketing agreement.

The information we obtain about you from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other sources.

How confidential and secure is the information we have about you?

We protect the confidentiality of the information that we have about you by restricting access to those employees who need to know that information to provide our products and services to you. We maintain physical electronic and procedural safeguards that comply with federal and state regulations to guard your information.

How can you find out what information we have about you?

You have the right to know what information we have about you in our insurance records or files. To obtain this information, provide to us in writing an identification of yourself and a reasonable explanation of the information you desire. If the information can be reasonably located and obtained, we will inform you of its nature and substance within 30 business days from the day we receive the request. You may personally see and obtain the information, or if you prefer, we will mail the information to you. We will also inform you who has received the information within the last 2 years, or, if not recorded, to whom such information is normally disclosed.

What can you do if you disagree with the information we have about you?

You have the right to make a written request that we correct, delete, or change any recorded information we have about you in our records or files. Send all written requests to:

Trusted Resource Underwriters Exchange

ATTN: Consumer Information
P.O. Box 5325
Binghamton, NY 13902-5325

If we agree to comply with your request, we will notify you within 30 business days of receiving your request. We will then furnish the amended information to any person you designate, who may have received the information within the past 2 years, as well as to any person or organization who either supplied us with the information or to whom we disclosed it.

If we are unable to comply with your request, we will notify you within 30 business days of receiving your written request with the reasons for our decision. If you disagree with the reasons for our decision, you have the right to file a concise statement of what you think is correct, relevant or fair information. Your statement will be filed with the disputed information and will be furnished to any person, insurance institution, agent or insurance support organization who either supplied us with information or to whom we disclosed it. Your statement will also be furnished to anyone reviewing the disputed information.

Your California Privacy Rights

Effective January 1, 2020, the California Consumer Privacy Act grants California residents (consumers) various rights with respect to personal information relating to that consumer that is held by a business. These rights include:

  • The right to request the deletion of personal information about the consumer that has been collected from the consumer.
  • The right to request a company’s disclosures about the collection of personal information.
  • The right to request that a business that collects personal information disclose the following to a consumer:
    • The categories of personal information that is has collected about the customer;
    • The categories of sources from which the personal information is collected;
    • The business or commercial purpose for collecting or selling personal information;
    • The categories of third parties with whom the business shares personal information; and
    • The specific pieces of personal information it has collected about the consumer.
  • The right not to face discrimination for exercising any rights under the California Consumer Privacy Act
  • The right to opt out of the sale of personal information.
  • The right to opt-in to the sale of personal information for consumers under 16 years of age.

California consumers may submit a request for disclosure or deletion of personal information  by calling us at 772-237-8824. You will be required to verify your identity and status as a California resident. Upon verification, we will process your request within 45 days.

Categories of Personal Information that we may have collected in the preceding 12 months, as of January 1, 2020:

  • Identifying Information – name, address, date of birth, email address, phone numbers, bank account number, credit/debit card number
  • Consumer report information, including claims history
  • Names of family members or other residents of your household
  • Information you provide about your dwelling as part of an application for insurance
  • Information that you may have provided during the resolution of an insurance claim

We do not “sell” the personal information of our applicants, insureds, employees, or other individuals whose personal information we have obtained. We do disclose personal information to third parties and service providers, including:

  • Other insurance institutions, financial institutions, agents, or insurance support organizations.
  • Persons who perform a business, professional, or insurance function for us.
  • Businesses that conduct actuarial or research studies.
  • Insurance regulatory authorities.
  • Law enforcement or other governmental authorities.
  • Our affiliated companies who assist our insurance business activities.

California Civil Code Section §1798.83 permits our website users who are California residents to request certain information regarding our disclosure of personal information to third parties. To make such a request, please write us at Trusted Resource Underwriters Exchange, ATTN: Consumer Information, P.O. Box 5325, Binghamton, NY 13902-5325.

Notification of Changes

We reserve the right to change this Privacy Policy from time to time, and such changes will be effective immediately upon posting to this web site. Your continued use of this web site after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates. The date the Privacy Policy was last revised is identified at the bottom of the document. Under certain circumstances, we may also elect to notify you of changes or updates to our Privacy Policy, or to request your consent for such changes, by additional means, such as posting a notice on the front of our web site and sending you an email.

Non TRUE Web Sites

We are not responsible for the privacy practices or the content of any other websites on the internet that may be linked to our website. Please note that when you click on links to websites outside of, you are transferred to another website that may not be under our control. We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from ours.

Web Cookie Policy

We may place an electronic “cookie” in the browser files of a guest’s computer. Cookies are pieces of information that a web site transfers to your browser, which can then be stored on an individual’s computer hard drive for record-keeping purposes or to provide you with tailored information. Cookies do not enable us to access any personal information about our visitors. Cookies allow us to analyze how visitors use our site. This helps us better understand which areas of our site are most useful, so we can plan improvements and updates accordingly.

We do not use cookies to retrieve information from a visitor’s computer that was not originally sent in a cookie. We will never save passwords, credit card or other sensitive information in cookies. You may set your browser to notify you when you receive a cookie, giving you the opportunity to decide whether or not to accept it. For more information on cookies and their use, please refer to the online Help available through your browser.

Fraud Warning

Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud.

Florida Only

Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

Flood Coverage Disclosure Notice

All homeowner insurance policyholders are cautioned that:

Your policy excludes coverage for damage caused by flooding of all types. This exclusion may exclude any and all damages resulting from storm surge from a hurricane, surface water, flash floods, waves, tidal water, tidal waves, wind driven rain or water, or any other overflow of water, and spray from any of these events. For further details, please see the language of your policy. The language of your policy will control the obligations of the parties.

You are further advised that to be covered for such a loss, you will have to obtain a separate flood insurance policy by applying to the National Flood Insurance Program (NFIP). Your need for flood coverage can be confirmed with the NFIP or your mortgage lender. If available in your location, the NFIP can provide both structure and contents coverage. A claim under a flood insurance policy may be adjusted and paid on a different basis than a claim under a homeowners policy.

You can contact the National Flood Insurance Program for information at:

National Flood Insurance Program
P.O. Box 619
Lanham, MD 20706

Statement of Additional Optional Coverages
Not included in the Standard Homeowners Insurance Policy

Your standard homeowners insurance policy does not cover all risks. You may need to obtain additional insurance to cover loss or damage to your home, property, and the contents of your home to cover the risks related to business or personal activities on your property. We offer the following additional coverages that you may choose to purchase. We urge you to review optional endorsements and credits with your agent.

Extended Replacement Cost on Dwelling This endorsement can be used to increase Coverage A (dwelling) by either 25% or 50% to better accommodate a customer’s needs.

Earthquake This covers against a direct physical loss caused by an earthquake or earth movement. You may add this additional coverage for an additional premium. It is subject to a percentage of Coverage A deductible.

Increase Deductibles By increasing the deductible, the policyholder may lower the cost of annual insurance premium. For instance increasing a $500 deductible to a $1000, 1% or 2% may decrease the annual premium significantly.

Increase Limits on Other Structures Provides additional limits for Coverage B if needed. Only structures on the insured premises apply. You may increase up to double the original Coverage B amount.

Water Back up and Sump Overflow Provides coverage for direct physical loss due to water backing up through sewers or drains and water which overflows from a sump. This is not a flood coverage, which requires a separate policy.

Replacement Cost on Personal Property This endorsement protects the customer from receiving the depreciated value for their personal property. Instead contents will be replaced with new items of like kind and quality.

Increased Limits on Personal Property This endorsement offers the insured the ability to increase certain personal property coverages from the standard homeowners limit. For instance, the basic homeowners policy insures jewelry for up to $1000 for the named perils; a customer may choose to increase that coverage to $5000.

Increased Limits on Business Property For additional premium, this endorsement may increase the coverage for “business” property on the “residence premises”.

Scheduled Personal Property For additional premium, we offer open perils coverage for items such as jewelry, furs, cameras, musical instruments, silverware, fine arts and golfer’s equipment. Not subject to a deductible, these items would be covered for the appraised value.

Special Computer Coverage For additional premium, this would broaden the coverage for your computer due to direct physical loss. For example, if the policyholder drops a glass of water on the computer, this would be covered. This endorsement is subject to the policy deductible.

Identity Theft This endorsement covers up to $15,000 for expenses incurred by the insured as a direct result from identity theft. The deductible would only be $250.

Loss Assessment Coverage Specially designed for condominium owners, this coverage provides protection for assessments made by the condominium association resulting from loss to the property. The policyholder can choose the limit of coverage they wish up to $25,000 if the loss is caused by an insured peril.

Watercraft This endorsement extends the limit of liability on your homeowners policy to your watercraft. This does not cover for the physical loss of the watercraft.

Personal Injury With this endorsement, you can extend the limit of liability on your homeowners policy to cover you against libel, slander, and invasion of privacy.

Home Day Care Coverage Registered family day care providers can purchase liability coverage in the amount of at least $300,000 to protect you against claims of bodily injury, property damage, or personal injury arising out of your activities as a day care provider.

***Additional endorsements and credits are subject to availability and qualification.

Last Modified On:  October 20, 2020