Privacy Policy - ApartmentCoverage.com

APARTMENTCOVERAGE.COM PRIVACY POLICY Effective Date: March 8, 2026 | Last Updated: March 8, 2026

ApartmentCoverage.com (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.apartmentcoverage.com (the “Site”) and use our services to obtain renters insurance or other apartment-related insurance coverage.

Please read this policy carefully. By accessing or using our Site, you agree to the terms of this Privacy Policy. If you do not agree with the terms, please do not access the Site.

1. INFORMATION WE COLLECT

1.1 Personal Information You Provide

When you request a quote, purchase a policy, or contact us, we may collect:

Full name and date of birth
Mailing and rental property address
Email address and phone number
Payment and billing information (credit/debit card, bank account details)
Government-issued identification numbers where required by law
Information about your personal property and coverage needs

1.2 Information Collected Automatically

When you visit our Site, we may automatically collect certain technical information, including:

IP address and approximate geographic location
Browser type, version, and operating system
Pages visited, time spent on pages, and referring URLs
Device identifiers and usage data
Cookies and similar tracking technologies (see Section 5)

1.3 Information from Third Parties

We may receive information about you from third parties, including:

Insurance carriers and underwriters we partner with
Consumer reporting agencies and data verification services
Marketing partners and lead generation sources
Publicly available sources

2. HOW WE USE YOUR INFORMATION

We use the information we collect for the following purposes:

To provide, process, and manage insurance quotes and policies
To verify your identity and eligibility for coverage
To communicate with you about your account, policy, or claims
To process payments and prevent fraudulent transactions
To improve and personalize your experience on our Site
To send marketing communications (with your consent where required)
To comply with legal obligations and regulatory requirements
To respond to inquiries, questions, and customer service requests
To conduct analytics and improve our products and services

3. HOW WE SHARE YOUR INFORMATION

3.1 Insurance Partners

To provide you with insurance quotes and coverage, we share your information with licensed insurance carriers, underwriters, and agents. These partners are bound by their own privacy policies and applicable insurance regulations.

3.2 Service Providers

We may share your information with trusted third-party vendors who assist us in operating our Site and services, including payment processors, IT service providers, email marketing platforms, and analytics providers. These parties are contractually obligated to protect your information.

3.3 Legal Requirements

We may disclose your information when required by law, subpoena, court order, or other legal process, or when we believe disclosure is necessary to protect our rights, prevent fraud, or protect the safety of our users or the public.

3.4 Business Transfers

In the event of a merger, acquisition, sale of assets, or other business transaction, your information may be transferred to the acquiring entity as part of that transaction. We will notify you of any such change via email or a prominent notice on our Site.

3.5 With Your Consent

We may share your information for other purposes with your explicit consent.

4. DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including maintaining your insurance policy, meeting our legal and regulatory obligations, resolving disputes, and enforcing our agreements. Inactive account information may be retained for up to seven (7) years as required by insurance regulations.

5. COOKIES AND TRACKING TECHNOLOGIES

We use cookies, web beacons, pixel tags, and similar tracking technologies to enhance your experience on our Site. Types of cookies we use include:

Essential Cookies: Necessary for the Site to function properly
Analytics Cookies: Help us understand how visitors interact with the Site
Marketing Cookies: Used to deliver relevant advertisements
Preference Cookies: Remember your settings and preferences

You may control cookie settings through your browser preferences. Please note that disabling certain cookies may affect the functionality of the Site. We honor “Do Not Track” signals where technically feasible.

6. YOUR PRIVACY RIGHTS

6.1 General Rights

Depending on your location, you may have the following rights regarding your personal information:

Right to Access: Request a copy of the personal information we hold about you
Right to Correction: Request that we correct inaccurate or incomplete data
Right to Deletion: Request deletion of your personal information, subject to legal retention requirements
Right to Opt-Out: Opt out of the sale or sharing of your personal information for targeted advertising
Right to Portability: Receive your data in a structured, machine-readable format
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

6.2 California Residents (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). To exercise your rights, contact us using the information in Section 10. We will respond to verified requests within 45 days.

6.3 Nevada Residents

Nevada residents may opt out of the sale of their personal information. To do so, please contact us at privacy@apartmentcoverage.com.

7. DATA SECURITY

We implement administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, or disclosure. These measures include SSL/TLS encryption, secure data storage, access controls, and regular security assessments.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. In the event of a data breach that affects your rights and freedoms, we will notify you as required by applicable law.

8. THIRD-PARTY LINKS AND SERVICES

Our Site may contain links to third-party websites, applications, and services. We are not responsible for the privacy practices or content of those third parties. We encourage you to review the privacy policies of any third-party sites you visit. This Privacy Policy applies solely to information collected by ApartmentCoverage.com.

9. CHILDREN’S PRIVACY

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a person under 18, we will take steps to delete that information promptly. If you believe a minor has provided us with personal data, please contact us immediately.

10. CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

ApartmentCoverage.com Email: privacy@apartmentcoverage.com Website: www.apartmentcoverage.com Mailing Address: [Your Business Address]

11. CHANGES TO THIS PRIVACY POLICY

We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will post the revised policy on this page with an updated effective date and, where appropriate, notify you by email or a prominent notice on our Site. Your continued use of the Site after any changes constitutes your acceptance of the revised policy.

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