1. Who operates this website
CAPS Insurance is the name used on capsinsurance.com for services offered by Cappelletti Insurance Agency, a California insurance agency. The office is located at 1420 N Claremont Blvd, Suite 105B, Claremont, CA 91711. California agency license: 6017542.
These terms apply to your use of this website. They do not replace any insurance policy, application, quotation, disclosure or other agreement governing a specific insurance transaction.
2. Information is educational, not a policy
Articles, descriptions, examples, FAQs, illustrations and other website content provide general information. They are not individual insurance, legal, tax or financial advice. Insurance terms and applicable rules can vary by insurer, policy, property, person, business and date.
Actual policy forms, endorsements, limits, deductibles, exclusions, underwriting decisions and effective dates control. If you have questions about a specific quote or policy, contact the agency and review the carrier's written documents.
3. Insurance quotes, availability and binding
Submitting a request, entering information on a form, receiving an estimate, calling, emailing or browsing the site does not establish insurance coverage or guarantee a particular price, discount, product or eligibility.
Quotes may change after review of your information, carrier underwriting and other requirements. Coverage begins or changes only when authorized and properly confirmed according to the applicable insurer's procedures and policy terms. Do not cancel existing insurance merely because you requested or received a quote.
4. Do not use website messages for urgent policy instructions
Do not rely on website links or ordinary email to bind coverage, make an urgent change, cancel or renew a policy, report an emergency, or meet a time-sensitive claims deadline. Online messages may not be monitored continuously or received immediately.
For urgent assistance, call your insurer using the contact information on your policy or call our office at (909) 626-7715. Ask for written confirmation of any requested policy action.
5. Using our website
Please provide accurate information when requesting assistance and use the website for lawful purposes. Do not attempt to interfere with the website, access another person's information, or misuse its content or systems.
We work to keep content accurate and useful, but details may become outdated. We may update, correct, add or remove website content without notice. If you find something inaccurate, please contact us.
6. Other websites and quote requests
Links may take you to external services, including CoveredDriver.com for insurance quote requests, mapping services, insurance carriers, and official information sources. A destination website may have its own terms and privacy notices. Review those notices before entering personal or sensitive information.
We cannot guarantee the accuracy, availability, accessibility or security of every third-party website linked from our pages.
7. Privacy and communications
Privacy practices are addressed separately in the site's Privacy Policy. Please review that policy and any disclosures shown at the point where you submit information. Website visits and general inquiries, by themselves, do not constitute consent to marketing calls or text messages; any such consent is obtained through the applicable separate process.
Do not send Social Security numbers, driver's license images, payment-card information, medical details, complete policy records or other sensitive personal information by ordinary email.
8. Website content
Unless otherwise stated, the agency or its licensors own the site's original text, graphics, logos, design and other materials. Third-party names, marks and materials belong to their respective owners. You may view and share links to this site for personal, noncommercial purposes but may not republish substantial portions as your own without permission.
9. Site availability and limitations
We cannot guarantee uninterrupted website access or error-free operation. To the extent permitted by law, information on this site is made available without warranties concerning completeness, accuracy, uninterrupted availability or suitability for a particular purpose.
Nothing in these terms limits rights or protections that cannot lawfully be waived, changes obligations under an insurance policy, or excuses conduct for which liability cannot lawfully be excluded.
10. Applicable law and updates
The website is operated from California. Applicable California and federal law govern these terms to the extent relevant. We may revise this page; the effective date above indicates the latest version. Changes will be posted here.
11. Questions about these terms
Cappelletti Insurance Agency (CAPS Insurance)
1420 N Claremont Blvd, Suite 105B
Claremont, CA 91711
Phone: (909) 626-7715
Email: info@capsinsurance.com
California agency license: 6017542
Agency-license information can be checked through the California Department of Insurance license lookup.