Disclaimer

Last Updated: September 29, 2026

Please read this Disclaimer carefully before using criticfarm.com and any related content, tools, calculators, or interactive features (collectively, the “Services”).

1. Critic Farm Is Not an Insurance Company, Agent, or Broker

Critic Farm is not an insurance company. Critic Farm is not an insurance agent. Critic Farm is not an insurance broker. We are not licensed to sell, solicit, or negotiate insurance in any state, and nothing on the Services should be construed as an offer or solicitation to sell insurance. We do not underwrite policies, bind coverage, adjust claims, or represent any insurance carrier as its agent.

Critic Farm is a publisher of educational content, state insurance guides, and free comparison tools. Our matching quiz collects information about the coverage you are looking for so that we can respond to your enquiry. It does not currently send your submission to any insurance carrier, agent, broker, or affiliate partner, and we will tell you on the form before that ever changes. Any insurance product you eventually buy is issued and sold by a licensed third party, under that party’s own terms, licensing, and regulatory obligations — never by Critic Farm.

2. Educational and Informational Purposes Only

All articles, guides, comparisons, calculators, and other content available through the Services are provided for general informational and educational purposes only. This content is not a substitute for professional insurance, financial, or legal advice tailored to your specific circumstances. Insurance requirements, regulations, and product availability vary by state and change over time; always confirm current requirements with your state’s department of insurance or a licensed professional.

3. Estimates Are Not Guarantees

Any rate, premium, coverage amount, discount, or savings figure displayed anywhere on the Services — including in articles, calculators, comparison tables, or quiz results — is an estimate only. These figures are illustrative, based on general industry data, averages, or hypothetical scenarios, and are:

• Not a quote for insurance coverage;
• Not a guarantee of the actual rate, premium, or price you will be offered by any carrier;
• Not a guarantee of the actual coverage terms, limits, or exclusions available to you;
• Not a guarantee of your eligibility for any insurance product, discount, or program discussed.

Actual rates, coverage, and eligibility are determined solely by the applicable insurance carrier based on its own underwriting criteria, and can differ materially from any estimate shown on the Services. You should always obtain and review an official quote directly from a licensed insurance carrier or agent before making any purchasing decision.

4. No Professional Relationship

Your use of the Services, including submission of information through our matching quiz, does not create an insurance agency relationship, a fiduciary relationship, or any professional advisory relationship between you and Critic Farm.

5. Third-Party Content and Partners

The Services may reference, link to, or facilitate introductions to third-party insurance carriers, agents, brokers, affiliate networks, and other organizations. Critic Farm does not guarantee the accuracy, completeness, licensing status, or business practices of any third party and is not responsible for any product, service, quote, or interaction you obtain through a third party.

6. No Guarantee of Outcomes

Critic Farm does not guarantee that use of the Services, including the matching quiz, will result in you receiving any quote, offer, discount, or insurance policy.

7. Changes to This Disclaimer

We may update this Disclaimer from time to time by posting a revised version with a new “Last Updated” date. Your continued use of the Services after changes take effect constitutes acceptance of the revised Disclaimer.

8. Contact Us