Legal Policies

Terms of Service

Important Information Concerning the Use of this Website

By using this website, you agree to the terms and conditions set forth below. If you do not agree with any of these terms and conditions, you must not use this website.

Current or in force policy change requests cannot be accepted over internet e-mail or through our website. Contact the Berkshire Hathaway Homestate Companies directly. Any applications or submissions for quotes on this website are informational only and not legally binding. Only contracted agents of the Berkshire Hathaway Homestate Companies have authority to bind coverage, issue policies or certificates of insurance or agree to the addition or deletion of coverage.

The various companies in the Berkshire Hathaway Homestate Companies are not authorized to transact insurance business in every state. Contact the Berkshire Hathaway Homestate Companies for more information regarding each company’s licensing and authority.

Product descriptions are included herein for the sole purpose of providing a quick reference tool concerning the general nature and types of products available through the Berkshire Hathaway Homestate Companies. Products or policies referenced in these descriptions may not be available in all states. The descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions in the subject policies, but are solely provided as general descriptions of the products. Descriptions contained herein are general and informational only. Anyone interested in a particular product should request a copy of the policy to determine the scope and limitations of coverage. These copies can be obtained through one of the Berkshire Hathaway Homestate Companies.

This publication is provided “as is” without warranty of any kind, either expressed or implied as to its accuracy. The Berkshire Hathaway Homestate Companies assume no responsibility for errors or omissions in this publication or other documents which are referenced by or linked to this publication. In no event shall the Berkshire Hathaway Homestate Companies be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever, including, without limitation, those resulting from loss of use, data or profits whether or not advised of the possibility of damage, and on any theory, arising to or in connection with the use or performance of this information. This publication may not be used to interpret any provision of an insurance policy.

This publication could include technical or other inaccuracies or typographical errors. Changes are periodically added to the information herein; these changes will be incorporated in the new editions of the publication. The Berkshire Hathaway Homestate Companies may make changes in the product(s) and/or the program(s) described in this publication at any time without notice. Use of this website shall be governed by and construed in accordance with the laws of the State of Nebraska, without effect to choice of law principles. Should any provision of these terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions, and the remainder of these terms and conditions will be reformed to carry out the intentions of the parties.

Berkshire Hathaway Homestate Companies include the following:

• Berkshire Hathaway Homestate Insurance Company
• BHHC Special Risks Insurance Company
• Continental Divide Insurance Company
• Cypress Insurance Company
• Oak River Insurance Company
• Redwood Fire and Casualty Insurance Company

As of: 11/9/2022