Legal · Terms
Terms of service.
Last updated: January 1, 2026. By using this website you agree to these terms.
Informational use
Content on this site is for general information about insurance products offered by Hughes Insurance Agency through Farmers Insurance Group of Companies and its affiliates. It is not a contract, binder, or offer of insurance. Coverage is subject to underwriting approval and the terms of the issued policy.
Quotes
Quote estimates are based on information you provide and are not guaranteed. Final premiums may vary after underwriting review.
Communications consent
By submitting our contact form or providing your information, you consent to be contacted by Hughes Insurance Agency regarding your request via phone, email, or — if you have opted in — text message. SMS use is governed by our SMS Terms. Information you provide is handled per our Privacy Policy.
Intellectual property
All content on this site is owned by Hughes Insurance Agency or its licensors and may not be reproduced without permission.
Disclaimer & limitation of liability
The site is provided "as is" without warranties of any kind. To the maximum extent permitted by law, Hughes Insurance Agency is not liable for any indirect or consequential damages arising from your use of this site.
Governing law
These terms are governed by the laws of the State of Nevada.
Contact
Hughes Insurance Agency, 63 Keystone Ave, Reno, NV 89503.