LEGAL NOTICE

|Use of Site| Site Purpose and Conditions | Computer Requirements| No Warranty | Limitation of Liability and Disclaimer | No Representation as to Suitability | Copyright, Trademarks and Service Marks | Ownership | Linking/References to Other Sites| Privacy| |Use of Cookie Files | Products Not Available in All States | Law and Regulations | Access to Password Protected or Secure Areas | Changes to Terms and Conditions | Violation of Terms and Conditions |Underwriting Entities|

Use of Site
American Bankers Insurance Company of Florida and its affiliates and subsidiaries, oftentimes operating under the name Assurant collectively, "Assurant", "We", "Our", or "Us" require that each visitor ("User","You", or "Your") to this Internet site (this "Site") adhere to the Legal Notice, which may have been revised since You last visited this Site. Please read this Legal Notice carefully before using this Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts this Legal Notice. Each User is bound by any revisions to these terms and conditions and should visit this page at each visit to review the current terms and conditions. If the User does not agree to all of the terms of this Legal Notice, he or she should not use this Site.

Site Purpose and Conditions
This Site is to provide You with the opportunity to apply for renter's insurance and related products. This site is only intended to be used by consumers or by individuals who have been given authorization by Assurant to use this site. Any unauthorized use or misuse will promptly be reported to the applicable state department of insurance.  In order for You to apply, You must provide Us with certain personal information. We cannot guarantee that, in all circumstances, that We will receive Your enrollment via this tool. We, therefore, request that You contact Us by telephone at 1.888.260.7736 ,or write Us at Attention: Direct Response Operations, American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, Florida 33157-6596, if You have not received a response within three (3) weeks of Your original Internet submission.

Computer Requirements
In order for this Site to function properly with Your computer, Your computer will need to have the following:
1. Internet Explorer 6.0 or higher, Safari 3.0 or higher, or Firefox 2.0 or higher
2. Windows XP, Windows Vista, MacOS 10 or higher, or Linux
3. A printer connected to YOUR computer to print Your confirmation notice or the ability to save the document in html or .pdf format on Your hard drive or external drive.
4. The use of Java is enabled 1.5

No Warranty
We expressly disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and accuracy. Information in this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. We have no obligation to update information on this Site, so such information may be out of date at any given time. We also may make improvements or changes in products described on this Site at any time without notice.

Limitation of Liability/Disclaimer
WE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS SITE. THESE INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF, OR INABILITY TO USE, OUR SITE; (2) FAILURE OF PERFORMANCE; (3) ERROR; (4) OMISSION; (5) INTERRUPTION; (6) DEFECT; (7) DELAY IN OPERATION OR TRANSMISSION; (8) COMPUTER VIRUS; OR (9) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. IN THE EVENT WE MAY BE HELD LIABLE FOR ANY DAMAGES RELATIVE TO OUR SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITE.  THE MATERIAL ON OUR SITE IS PROVIDED “AS IS.” WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN OUR SITE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) DEFECTS WILL BE CORRECTED; (4) OUR SITE, OR THE SERVERS THAT MAKE OUR SITE AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) INFORMATION CONTAINED IN OUR SITE IS ACCURATE AS OF ANY PARTICULAR DATE. INFORMATION ON OUR SITE MAY BE MODIFIED AT ANY TIME WITHOUT NOTICE.

No Representation as to Suitability
We make no representation as to the financial or other suitability of any product or service described on this Site for any User. The recommendation of product provided on this Site is merely a suggestion and is, in no way, a representation that this product is the best or most suitable product for You.

Copyright, Trademarks and Service Marks
All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of Assurant, Inc. or subsidiaries (collectively "Assurant"). Users are prohibited from using any Mark for any purpose without the express written permission of Assurant.

Ownership
The design, text and images of this Site are owned, controlled or licensed by Assurant. Assurant retains all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Assurant or any of their licensors of any rights in such material and does not transfer any rights to any User of the Site.

Linking/References to Other Sites
This Site may contain hyperlinks or references to Web sites operated, owned or maintained by parties other than Us. Such hyperlinks are provided solely as a matter of convenience. We do not control such Web sites and are not responsible for their contents. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by Us of the material on such Web sites or any association with their operators. Access to any such other site linked to this Site is at the User's own risk.

Privacy
We adhere to all laws regarding the privacy of information submitted by Users of our web sites. As part of the normal operation of this Site, We may collect a limited amount of information about Your visit. The information tracked includes the URL You navigated from, which URL You visit after leaving Our Site, what browser You are using, and Your Internet provider address. This type of information is tracked by many Web sites in order to make sure that visitors are able to use the Site information and functions successfully. None of this standard tracking information is personally identifiable. We do not collect personally identifiable information (information that reveals the visitor's identity) about a visitor unless the visitor knowingly and voluntarily provides such information. Please click on Privacy Policy to view Our Privacy Policy.

Use of Cookie Files
Some sites and pages within this Site may use "cookies". A cookie, for the purpose of this Legal Notice, is a small file that is stored on Your hard drive and contains no personally identifiable information about the User's use of this Site. A cookie used by Us cannot read data off the User's hard drive or read cookie files created from other sites. The User is free to decline a cookie if the User's browser has been set to prompt or decline cookies. It is possible that the declination of a cookie may result in the inability to use the Site information and functions successfully.

Products Not Available in All States
The products and services described in this Site relate to products and services available within the United States only. Such products and services may not be available in all states. Please review the website for those states where one or more of the products or services are not available.

Laws and Regulations
Access to and use of this Site are subject to all applicable federal, state and local laws and regulations in the United States.

Access to Password Protected or Secure Areas
Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.
We will not permit confidential information to be sent over the Internet in readable form. We use encryption where necessary to prevent sensitive data from being intercepted by unauthorized sources.  You agree to provide true, accurate, current and complete information about you as requested on the enrollment or registration forms and any other pages requesting information. You agree not to misrepresent your identity and,  you agree to keep your registration and email address current and accurate.  If applicable, you will be asked to select a User Name and Password when registering. You are responsible for maintaining the confidentiality of your User Name and Password. You are fully responsible for all activities that occur using your User Name and Password or account. Any unauthorized use of your Password, account or any breach of security must be immediately reported to us. We will not be liable for any loss that you may incur as a result of someone else using your User Name, Password or account, either with or without your knowledge. You may not use anyone else's User Name or Password at any time.

Changes to Terms and Conditions
We reserve the right to revise these Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions.

Violations of Terms and Conditions
We reserve the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.

Underwriting Entities
You are provided the following information pursuant to various state insurance laws, including, but not limited to, those of California, Massachusetts, and Missouri, in regard to the insurer underwriting any coverage for this product. Each insurer has sole financial responsibility for its own products.

Insurance Company

National Association of Insurance Commissioners' Identification Number

Principal Address and Telephone
List of Jurisdictions in United States Where Authorized to Do Business
State of Domicile
American Bankers Insurance Company of Florida
10111

11222 Quail Roost Drive, Miami, FL 33157

(305) 253-2244

All States in the United States and the District of Columbia
Florida
Ranchers and Farmers Mutual Insurance Company
10199

2610 Sweetgum, Beaumont, TX 77703

(409) 838-3896

Texas
Texas
American Security Insurance Company
42978

260 Interstate N Circle - SE, Atlanta, GA 30339

(770) 763-1000

All States except NH
Delaware
Voyager Indemnity Insurance Company
40428

260 Interstate N Circle - SE, Atlanta, GA 30339

(770) 763-1000

Georgia
Georgia

© Copyright 2014 Assurant


Assurant Security Commitment
At Assurant, ensuring your privacy is our primary objective. We will not sell your personal information or share it with non-Assurant companies to market their products to you. Through our state-of-the-art technology and heightened security infrastructure, we are committed to keeping your personal information safe. Please read our Privacy Policy to learn more.

These programs may be underwritten by one of the following: American Bankers Insurance Company of Florida, with its home office in Miami, Florida, American Security Insurance Company, Voyager Indemnity Insurance Company, or Ranchers & Farmers Mutual Insurance Company. Each insurer has sole financial responsibility for its own products.

© Copyright 2014 Assurant, Inc. All rights reserved. Legal Notice | Privacy Policy | Regulatory Notices.  PS28949-0114