Terms of Use

Effective date: October 11, 2026 · Last updated: October 11, 2026

These Terms of Use ("Terms") are an agreement between you and Rose Granados Insurance Agency, doing business as Granados Insurance Agency ("Granados Insurance Agency," "we," "us," or "our"). They govern your use of granadosinsuranceagency.com (the "website") and the forms on it. Our Privacy Policy explains how we handle your information and is part of these Terms.

1. Accepting These Terms

By using the website or submitting a form, you agree to these Terms. If you do not agree, please do not use the website. You must be at least 18 years old to submit a form. We may update these Terms by posting a new version with a new "Last updated" date; changes apply from the date they are posted and do not apply to a dispute we already knew about before the change.

2. About Our Agency

Granados Insurance Agency is located at 9639 Scarsdale Blvd Ste 101, Pearland, TX 77581. Our agent, Rose Granados, is licensed in Texas only. We are an exclusive agency of Allstate, which means we offer insurance through Allstate and its affiliated companies. We work in personal lines only: auto, home, renters, condo, landlord, umbrella, and flood insurance.

The content on this website is general information. Nothing on the website, in a form confirmation, or in an email or text from us is a binder of coverage. Submitting a form does not bind, change, or cancel any insurance; this website is not a binder and cannot be used to request a binder. Coverage begins only when the insurance company issues it in writing and any required premium is paid. To report a claim or make a change to a policy, call us or use your Allstate account.

3. Quotes Are Estimates

Any quote, premium, or savings figure we give you is an estimate based on the information available at the time. It is not an offer of coverage or a guarantee of price. The final premium, coverage, and eligibility are set by the insurance company after underwriting, which may include reviewing driving records, claims history, property details, and other information allowed by law. The final price may be higher or lower than an estimate.

4. Website Content Is General Information

Our articles, guides, checklists, and calculators are educational. They are not legal, tax, financial, or individualized insurance advice, and they do not change the terms of any insurance policy. Coverage is described only by the policy itself. Laws, rates, and products change, so content may not be current. Talk with a licensed agent about your situation before making a decision.

5. Your Submissions

When you submit a form, you agree that the information is accurate, current, and complete, that it is about you or someone who has authorized you to share it, and that the phone number and email address are yours. Incorrect or incomplete information can lead to an inaccurate quote, a change in price, or a denied claim. Do not submit another person's information without their permission.

6. Consent to Calls & Texts

If you click the submit button next to our consent language, you give Granados Insurance Agency your prior express written consent to call and text you at the number you provided, including by automated technology and prerecorded or artificial voice messages, as stated in the form disclosure: “about my insurance quote and related insurance products and services” (on our contact form, also “about my request”). This consent applies even if your number is listed on a state or federal Do Not Call registry. Your consent is not a condition of purchase; you can always call us at (281) 609-9521 instead.

You may revoke consent at any time by any reasonable means — for example, by replying STOP to a text, telling us on a call, or emailing rgranados@allstate.com. Reply HELP for help. Message frequency varies. Message and data rates may apply. See the Calls & Text Messages section of our Privacy Policy for details.

7. Electronic Records & Signatures (E-SIGN)

Under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and the Texas Uniform Electronic Transactions Act, you agree that we may provide disclosures, notices, and records to you electronically, and that clicking a submit button on our forms is your electronic signature, with the same effect as a handwritten signature.

• Hardware and software: To receive electronic records, you need a device with internet access, a current web browser, an active email account, and the ability to view and save web pages or PDF files.
• Paper copies: You may ask for a paper copy of any record we provided electronically by contacting us. We do not charge for it.
• Withdrawing consent: You may withdraw consent to electronic records at any time by contacting us. Withdrawal does not affect anything you signed or received electronically before then.
• Keep us current: Please tell us if your email address changes.

Insurance applications and policy documents are issued by the insurance company and may have their own electronic-delivery terms.

8. Acceptable Use

You agree not to: submit false information or another person's information without permission; use the website for any unlawful purpose; send spam, malware, or automated form submissions; scrape, copy, or harvest content or data with bots; try to gain unauthorized access to the website or its systems; or interfere with how the website works. We may block access or delete submissions that break these rules.

9. Intellectual Property

The website's text, graphics, logo, and design are owned by or licensed to Rose Granados Insurance Agency and are protected by copyright and trademark laws. Allstate names and marks belong to Allstate. You may view and print pages for your personal, non-commercial use. You may not copy, republish, or create derivative works from our content without our written permission.

10. Third-Party Sites & Tools

The website links to and uses services provided by others, such as Allstate's account and billing pages, Google Maps, and the tools listed in our Privacy Policy. We do not control those services and are not responsible for their content, availability, or privacy practices. Your use of them is governed by their own terms.

11. Disclaimers & Limitation of Liability

Disclaimers. The website and its content are provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not promise the website will be uninterrupted, error-free, or free of harmful components.

Limitation of liability. To the fullest extent the law allows, we will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website, and our total liability for any claim arising from your use of the website will not exceed $100.

What this section does not limit. Nothing in these Terms limits any right you have under the Texas Insurance Code or under any insurance policy, or any liability that cannot be limited by law. Your insurance policy, not these Terms, governs coverage, claims, and any dispute about coverage.

12. Dispute Resolution & Arbitration

Scope. This section applies to any dispute between you and us arising out of or relating to the website, these Terms, our forms, or our calls, texts, and emails to you (a "Dispute"). It does not apply to disputes about insurance coverage or claims under a policy, which are governed by the policy and the Texas Insurance Code.

Federal law governs this agreement to arbitrate. These Terms involve interstate commerce, and this agreement to arbitrate is governed by the Federal Arbitration Act (9 U.S.C. § 1 and following). Because the Texas Arbitration Act places special requirements on some consumer arbitration agreements, the parties intend the Federal Arbitration Act to govern this section.

Informal dispute resolution first

Before starting arbitration, the party with a Dispute must send the other a written notice describing the Dispute and the relief requested. Send notices to us at rgranados@allstate.com or by mail to 9639 Scarsdale Blvd Ste 101, Pearland, TX 77581. We will send notices to the contact information you gave us. For 30 days after the notice is received, we will both try in good faith to resolve the Dispute informally. All statutes of limitations and filing-fee deadlines are tolled while the parties are in this 30-day informal process.

Binding individual arbitration

If the Dispute is not resolved within 30 days, either party may start binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, available at adr.org. One arbitrator will decide the Dispute. The arbitration may take place by video, by phone, on written submissions, or in person in the county where you live or in Brazoria County, Texas, as you choose. The arbitrator may award the same individual relief a court could award, and the decision may be entered as a judgment in any court with jurisdiction.

Fees. We will pay all AAA filing, administrative, and arbitrator fees for a consumer arbitration, except any amount the AAA Consumer Arbitration Rules require the consumer to pay. Each party pays its own attorneys' fees unless the arbitrator awards fees under applicable law.

Mass Arbitration

If 25 or more demands for arbitration raising similar claims are filed by the same or coordinated counsel, the demands will be administered under the AAA's mass-arbitration supplementary rules and fee schedule then in effect. The demands will be grouped into batches, and a small number of bellwether cases may be decided first to help the parties evaluate and resolve the remaining claims. Fees for these demands will be set under those AAA supplementary rules. Statutes of limitations are tolled for a demand while it waits to be heard.

Class action and jury trial waiver

You and we may bring claims against each other only in an individual capacity, not as a plaintiff or class member in any class, collective, or representative proceeding. The arbitrator may not combine more than one person's claims except as the parties agree or as described in the Mass Arbitration section. You and we each waive the right to a jury trial.

Exceptions

• Small claims: Either party may bring an individual claim in small claims court (justice court in Texas) if it qualifies, instead of arbitration.
• Regulators: Nothing in these Terms prevents you from filing a complaint with, or sharing information with, the Texas Department of Insurance, the Federal Communications Commission (FCC), the Federal Trade Commission (FTC), the Texas Attorney General, or any other government agency.

Your right to opt out of this arbitration

You may opt out of this arbitration agreement within 30 days after you first submit a form or otherwise accept these Terms. To opt out of this arbitration, email rgranados@allstate.com or mail a letter to Granados Insurance Agency, 9639 Scarsdale Blvd Ste 101, Pearland, TX 77581, stating your name, phone number, and that you wish to opt out of arbitration. Opting out does not affect any other part of these Terms.

Severability. If the class action waiver is found unenforceable for a particular claim, that claim must be severed and decided in court after the individual arbitration is complete, and the rest of this section will still apply. If any other part of this section is found unenforceable, the rest of it remains in effect.

13. Governing Law & Venue

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules, except that the Federal Arbitration Act governs the arbitration section. Any matter that is not arbitrated must be brought in the state or federal courts serving Brazoria County, Texas, and you and we agree to the jurisdiction of those courts.

14. General Terms & Contact

These Terms and our Privacy Policy are the entire agreement between you and us about the website. If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it. You may not transfer your rights under these Terms; we may transfer ours in connection with a sale or transfer of the agency. Headings are for convenience only.

Questions about these Terms? Reach us at: