Effective Date: September 4, 2026
Welcome to the KB Insurance Group website. These Terms & Conditions (“Terms”) govern your access to and use of this website and its content.
By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please discontinue use of the website.
1. General Information
KB Insurance Group provides insurance-related information, insurance quoting assistance, and insurance agency services.
Information provided on this website is intended for general informational purposes and should not be considered a guarantee of insurance coverage, pricing, eligibility, or availability.
2. Insurance Quotes
Any insurance quote provided through or as a result of this website is an estimate based on the information available at the time of quoting.
Premiums, eligibility, discounts, deductibles, limits, terms, and coverage are subject to verification and approval by the applicable insurance carrier.
Quotes may change based on underwriting information, consumer reports, motor vehicle records, claims history, insurance history, property information, inspections, insurance scores, or other information permitted by law. A quote does not constitute an insurance binder, contract, or guarantee of coverage.
3. No Coverage Is Bound Through Website Use
Submitting information through this website, completing a quote request, sending an email, leaving a voicemail, sending a text message, making a payment request, or communicating with KB Insurance Group does not by itself create, bind, modify, extend, or reinstate insurance coverage.
Insurance coverage is effective only when confirmed or bound by an authorized representative and/or insurance carrier in accordance with applicable carrier requirements.
Do not rely on an electronic submission to bind, modify, cancel, or otherwise change insurance coverage without receiving confirmation.
4. Accuracy of Information
You agree to provide complete and accurate information when requesting insurance quotes or services.
Insurance premiums, eligibility, and coverage may be affected if information provided during the quoting or application process is inaccurate, incomplete, or omitted.
You are responsible for reviewing insurance applications, policy documents, declarations pages, coverage selections, limits, deductibles, exclusions, and other policy documents for accuracy.
5. Insurance Coverage
Descriptions of insurance products or coverage appearing on this website are general summaries only.
Actual insurance coverage is governed exclusively by the applicable insurance policy, endorsements, declarations, exclusions, carrier rules, and applicable law.
If information on this website conflicts with an issued insurance policy, the terms and conditions of the applicable policy control.
6. Insurance Carrier Availability
KB Insurance Group may represent or have access to multiple insurance carriers and insurance markets.
Not every insurance carrier, product, discount, or coverage option is available in every state or for every applicant.
Carrier availability and appointments may change at any time.
7. Third-Party Links, Partners, and Affiliates
Our website may contain links to insurance carriers, business partners, affiliates, service providers, or other third parties.
These links are provided for convenience or informational purposes. KB Insurance Group does not control third-party websites and is not responsible for their content, availability, privacy practices, products, services, representations, or security.
Unless expressly stated otherwise, displaying or linking to a third-party business does not constitute a guarantee or warranty of that business or its products or services.
Any services obtained from a third party are between you and that third party.
8. No Professional Advice Outside Insurance Services
Information presented on this website is general in nature and is not intended to constitute legal, tax, accounting, financial, or other professional advice.
You should consult an appropriately qualified professional regarding matters requiring specialized advice.
9. Website Availability
We make reasonable efforts to maintain the website but do not guarantee that it will always be available, uninterrupted, error-free, or free from harmful components.
We may modify, suspend, restrict, or discontinue portions of the website without notice.
10. Intellectual Property
Unless otherwise stated, the KB Insurance Group name, branding, website design, text, graphics, and original website content are owned by or licensed to KB Insurance Group and are protected by applicable intellectual property laws.
You may view and use the website for personal and legitimate business purposes. You may not reproduce, distribute, modify, republish, or commercially exploit our original website content without permission.
Third-party trademarks, logos, and brand names appearing on this website remain the property of their respective owners.
11. Prohibited Use
You agree not to use this website to:
Violate any applicable law or regulation
Submit false, fraudulent, or misleading information
Attempt to gain unauthorized access to our systems
Introduce malware, viruses, or other harmful technology
Interfere with the operation or security of the website
Copy or exploit website content in violation of applicable law
12. Disclaimer of Warranties
To the extent permitted by law, this website and its content are provided on an “as is” and “as available” basis.
KB Insurance Group makes no warranty that website information will always be complete, current, accurate, uninterrupted, or suitable for every user’s particular insurance needs.
Nothing in this section limits obligations that cannot legally be waived or limited.
13. Limitation of Liability
To the fullest extent permitted by applicable law, KB Insurance Group will not be liable for indirect, incidental, special, consequential, or similar damages arising solely from use of, or inability to use, this website.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
14. Privacy
Your use of this website is also subject to our Privacy Policy, which describes how we collect, use, and protect personal information.
15. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where another jurisdiction’s law is required to apply.
16. Changes to These Terms
KB Insurance Group may revise these Terms periodically.
Updated Terms will become effective when posted to the website unless otherwise stated. Continued use of the website following an update constitutes acceptance of the revised Terms to the extent permitted by law.
17. Contact Information
Questions regarding these Terms & Conditions may be directed to:
KB Insurance Group
Phone: (214) 984-0734
Email: info@kbinsures.com(opens in new tab)
SMS & Text Messaging Terms
Effective Date: September 7, 2026
These SMS & Text Messaging Terms apply to text messages sent by or on behalf of KB Insurance Group.
1. Consent to Receive Text Messages
When you separately provide consent to receive text messages from KB Insurance Group, we may send messages regarding insurance quotes, applications, policy servicing, requested information, appointments, renewals, and other communications covered by your consent.
Where separately authorized, we may also send marketing or promotional text messages.
Consent to receive marketing text messages is not a condition of purchasing insurance or other services.
2. Message Frequency
Message frequency may vary depending on your interactions with KB Insurance Group, your insurance quote or policy activity, and the types of communications you have authorized.
3. Message and Data Rates
Message and data rates may apply depending on your wireless carrier and mobile service plan.
KB Insurance Group is not responsible for charges imposed by your wireless carrier.
4. Opting Out
You may opt out of applicable text messaging by replying STOP to a text message.
After submitting an opt-out request, you may receive a confirmation message. We may still communicate with you through other permitted methods and may send messages where otherwise permitted or required by law.
5. Help
For assistance regarding text communications, reply HELP where supported or contact KB Insurance Group at:
info@kbinsures.com(opens in new tab)
6. Supported Carriers
Delivery of text messages is subject to your wireless carrier’s network availability. Wireless carriers are not responsible for delayed or undelivered messages.
7. Mobile Information
We do not sell your mobile telephone number or SMS consent to third parties for their independent marketing purposes.
We do not share SMS opt-in consent with unaffiliated third parties for their own marketing purposes except where expressly authorized by you or otherwise permitted by applicable law.
Information may be shared with service providers acting on our behalf when necessary to facilitate our communications and services.
8. Changes
We may update these SMS & Text Messaging Terms periodically. Updated terms will be posted on our website with a revised effective date.
Electronic Communications Consent
Effective Date: September 7, 2026
When you provide your email address, telephone number, or other electronic contact information and request that KB Insurance Group communicate with you electronically, you authorize us to use applicable electronic methods to respond to your request and provide insurance-related communications, subject to applicable law and any separate consent requirements.
Electronic communications may include:
Insurance quote information
Application information
Requests for additional information
Policy documents or policy-related information
Billing or payment-related notices
Renewal information
Appointment or follow-up reminders
Customer service communications
Other communications relating to insurance products or services you request
Providing contact information does not, by itself, constitute consent to receive marketing communications that require separate consent under applicable law.
You are responsible for providing accurate contact information and notifying KB Insurance Group if your email address or telephone number changes.
Electronic communications may contain confidential information. While KB Insurance Group uses reasonable safeguards, electronic communications cannot be guaranteed to be completely secure or free from interception.
You may contact us regarding your communication preferences at:
KB Insurance Group
Phone: (214) 984-0734
Email: info@kbinsures.com(opens in new tab)
Electronic communication with KB Insurance Group does not, by itself, bind, modify, cancel, extend, or reinstate insurance coverage. Coverage changes are effective only when appropriately confirmed or processed by an authorized representative and/or insurance carrier.