Terms of Service
Terms governing your use of the Hughes Insurance Agency website. Last updated May 27, 2026.
Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use this website.
Insurance Information
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage is bound only after a written policy is issued by a licensed insurance carrier. The descriptions of coverage on this site are summaries only; actual policy terms, conditions, limitations, and exclusions will govern.
Licensing
Hughes Insurance Agency is a licensed Farmers Insurance agency operating in the state of Nevada. We are authorized to sell insurance products offered by Farmers Insurance Group. Coverage availability varies by carrier and is subject to underwriting approval.
No Guarantees
We make no guarantees regarding the availability or pricing of any insurance product. All quotes are subject to underwriting approval by the applicable insurance carrier. Final premium, coverage, and terms will be determined by the carrier based on the information provided during the application process.
Website Use
You agree to use this website only for lawful purposes and in a way that does not infringe the rights of others or restrict their use of the website. You may not submit false or misleading information through any form on this website.
Communications Consent
By submitting a contact or quote request form on this website, you consent to receive communications from Hughes Insurance Agency, including phone calls, emails, and SMS text messages at the contact information you provide. For full details on our SMS messaging program, please see our SMS Terms in our Privacy Policy.
Limitation of Liability
Hughes Insurance Agency shall not be liable for any damages arising from your use of this website or reliance on any information provided herein. This includes but is not limited to direct, indirect, incidental, and consequential damages.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.
Contact
Questions about these terms? Contact us at info@hughesinsurance.net or (775) 338-9358.