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Terms of Use

Last updated: October 2026

1. What Hearthwell is

Hearthwell, operated by Gamma Leads, is a free service that helps homeowners compare home insurance quotes from licensed agents and independent marketing partners. We are not an insurance company or a licensed insurance agency, and we do not sell insurance or issue policies. We connect you with independent third parties and marketing partners. Any agreement for coverage, a plan or work is solely between you and the insurer or agency you choose.

2. Cost

Using Hearthwell and receiving quotes costs you nothing. Any policy you buy is paid to the insurer or agency you choose. Quotes, prices and availability depend on your home, your profile and your state, and are not promised by us.

3. Eligibility

You must be at least 18, a U.S. resident, and the owner of the property (or authorized by the owner) to request quotes.

4. Electronic signature and consent

By clicking the submit button you agree that your click is your electronic signature under the E-SIGN Act, and that you consent to be contacted as described in the consent language on the form and in our Privacy Policy, by Hearthwell and up to 4 partners. You can opt out at any time as described there.

5. Your information

You agree that the information you submit is accurate, that it is your own, and that you are the subscriber or regular user of the phone number you enter.

6. No warranties

The service is provided “as is” without warranties of any kind. Educational content on this site is general information, not a quote.

7. Limitation of liability

To the fullest extent the law allows, Gamma Leads is not liable for indirect, incidental or consequential damages, or for the products, pricing, acts or omissions of any provider or partner.

8. Governing law

These Terms are governed by the laws of Gibraltar, without regard to conflict-of-law rules.

9. Contact

privacy@gamma-leads.com

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