Terms of Use

Effective Date: August 2026

Please read these Terms of Use carefully before using the First Community Insurance Agency website. By accessing or using the website, you agree to these Terms of Use.

Website Information

The information on this website is provided for general informational purposes only. It is not legal, financial, tax, or insurance coverage advice. Insurance coverage is subject to the terms, conditions, exclusions, and limitations of the applicable insurance policy. Availability, eligibility, pricing, and underwriting decisions are determined by the insurance carrier.

No Coverage Bound, Changed, or Canceled by Website Use

Do not use this website to report a claim, request a change to existing coverage, request cancellation, or submit any time-sensitive instruction. Submissions through this website are not monitored continuously and are not notice to First Community Insurance Agency or to any insurance carrier. Submitting information through this website does not bind, change, extend, or cancel coverage. To report a claim, contact your carrier directly at the claims number on your policy or identification card, or call our office at 636-978-6620 during business hours. To request a coverage change, call our office and speak with a licensed representative. A coverage change is not effective until confirmed in writing by an authorized representative of the agency or the carrier.

Quotes, Applications, and State Availability

Any quote request submitted through this website is subject to review, underwriting, eligibility requirements, carrier approval, and verification of information. A quote is not a guarantee of coverage or premium. FCIA is licensed to transact insurance in the states in which it holds active agency licenses and appointments. Website content is informational only and is not an offer or solicitation to sell insurance in any jurisdiction where FCIA is not licensed and appointed. Products, coverages, pricing, and availability vary by state.

Credit Union and Insurance Product Disclosure

Insurance products are not deposits, are not federally insured by the NCUA or any federal government agency, are not obligations of or guaranteed by First Community Credit Union, and may involve risk. The purchase of insurance products is not a condition of any loan, credit decision, or other service offered by the Credit Union.

Accuracy of Information

You agree to provide accurate, complete, and current information when submitting forms or requests through this website. FCIA is not responsible for delays, errors, or issues resulting from inaccurate or incomplete information submitted through the website.

Third-Party Links

This website may include links to third-party websites, including insurance carrier, vendor, or service provider websites. We provide these links for convenience only and are not responsible for third-party website content, security, privacy practices, or accessibility.

Intellectual Property and Prohibited Uses

Website content, including text, graphics, logos, design elements, and other materials, is owned by or licensed to FCIA unless otherwise indicated. You may not copy, reproduce, distribute, modify, or use website content for commercial purposes without prior written permission. You agree not to submit false or misleading information, attempt unauthorized access, interfere with website functionality or security, upload malicious code, violate applicable law, or use website content for unauthorized commercial purposes.

Disclaimer and Limitation of Liability

This website is provided on an as-is and as-available basis. FCIA does not guarantee that the website will be uninterrupted, error-free, secure, or free of viruses or harmful components. To the fullest extent permitted by law, FCIA is not liable for damages arising from use of, or inability to use, the website or any linked third-party website.