The information contained herein is not an offer to sell insurance. No binder, insurance policy, change, addition, and/or deletion to insurance coverage will be effective unless and until confirmed directly with a licensed agent. Please note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us by you. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages may be available in every state.