Terms of use. Short and plain.
Stellhorn & Kettner Insurance, a demo agency
Last updated October 1, 2026
By using this website you agree to these terms. Stellhorn & Kettner Insurance is a demo agency created for a website template; replace these terms with your own reviewed version before publishing.
General information, not advice
Guides, examples and comparisons on this website are general information about how insurance usually works. They are not legal, tax or financial advice, and they do not change the wording of any policy.
Example premiums
Premiums, ranges and bundle totals shown on this website are examples for illustration, based on the profiles listed beside them. The bundle worksheet shows a fixed example and does not calculate your premium. Actual prices depend on your address, property, vehicles, drivers, claims history and each carrier’s underwriting.
No coverage until it is bound
Sending a quote request does not bind coverage. You are not insured until a carrier accepts your application and confirms the policy in writing. Coverage is subject to the terms, conditions and exclusions of the policy you buy.
Using this website
Do not submit information that is not yours or that you are not authorized to share
Do not attempt to disrupt, scrape or misuse the website
Links to carrier and other websites are provided for convenience; we are not responsible for their content
Limits of liability
The website is provided as is. To the extent the law allows, Stellhorn & Kettner Insurance is not liable for decisions made based on general content on this website.
Which law applies
These terms are governed by the laws of the State of Iowa.
Reach us
Stellhorn & Kettner Insurance, 2814 Ingersoll Avenue, Suite 200, Des Moines, IA 50312, (515) 555-0142, hello@stellhornkettner.com