Terms of Service

Effective date: September 28, 2026

These Terms of Service ("Terms") govern your use of themichelsagency.com (the "Site"), operated by The Michels Agency ("we," "us," or "our"), an independent contractor agency representing Farmers Insurance in Merrimack, New Hampshire. By using the Site, you agree to these Terms and to our Privacy Policy.

1. Information Only — No Coverage Is Bound Online

Content on the Site is general information about insurance products and is not legal, tax, or financial advice. Descriptions of coverage are summaries only. Your actual coverage is governed by the terms, conditions, limits, and exclusions of your policy. Products, coverages, and discounts vary by state, are subject to eligibility and underwriting, and may not be available in all states.

2. Quotes

Quotes are estimates based on the information you provide and are not an offer or guarantee of coverage or price. Final premiums depend on underwriting, verification of information, and insurer approval. Please give complete and accurate information; incorrect information can change your price or affect a claim.

3. Savings, Reviews, and Testimonials

Savings amounts, discounts, and client reviews describe individual experiences. Your results may vary. Savings are not guaranteed and depend on your coverage, driving and claims history, property, and other factors.

4. Communications and Text Messaging

By submitting your contact information, you agree that The Michels Agency may contact you by phone, email, and text message about your inquiry, quote, appointments, and policy service. If you opt in to text messages:

• Messages may be sent using automated technology. Message frequency varies.
• Message and data rates may apply.
• Reply STOP to cancel at any time. Reply HELP for help, or call (603) 809-3222.
• Consent to receive texts is not a condition of any purchase.
• Wireless carriers are not liable for delayed or undelivered messages.

5. Acceptable Use

You agree not to misuse the Site, including by submitting false information or another person's information without permission, attempting to access systems without authorization, or interfering with the Site's operation.

6. Intellectual Property

The text, graphics, and logos on the Site belong to The Michels Agency or are used with permission. Farmers Insurance names and marks belong to Farmers Group, Inc. and are used under license. You may not copy or reuse Site content for commercial purposes without our written permission.

7. Third-Party Links

The Site links to third-party websites, such as Farmers.com and Google. We don't control those sites and are not responsible for their content or practices.

8. Disclaimer of Warranties

The Site is provided "as is" and "as available." We work to keep information accurate and current, but we do not guarantee that the Site will be error-free, uninterrupted, or complete.

9. Limitation of Liability

To the fullest extent permitted by law, The Michels Agency will not be liable for any indirect, incidental, or consequential damages arising from your use of the Site. Nothing in these Terms limits any rights you have under your insurance policy or applicable insurance law.

10. Governing Law

These Terms are governed by the laws of the State of New Hampshire, without regard to its conflict-of-law rules.

11. Changes to These Terms

We may update these Terms from time to time. The effective date at the top of this page shows when they were last changed. Continued use of the Site means you accept the updated Terms.