The conditions that govern access to insurance guidance and use of this website. Effective March 2026.
By accessing or using the ColbrayHomes website located at colbrayhomes.com, submitting any form, or requesting a quote, the visitor agrees to be bound by these terms of use. Accessing this site without agreement to these terms is not permitted. If any portion of these terms is unacceptable, the appropriate action is to discontinue use of the site.
ColbrayHomes provides home insurance guidance, quote matching, and coverage consultation for residential property owners. The information available on this site is intended to help homeowners understand coverage options and initiate the process of obtaining a home insurance policy. Nothing on this site constitutes a binding insurance contract until a formal policy is issued in writing.
Coverage options, pricing, and availability may vary based on the property location, type, condition, and applicable state regulations. Information presented is subject to change without prior notice.
Use of this site and submission of any form or request is limited to individuals who are at least eighteen years of age and are legal residents of the United States. By using the site or submitting personal information, the user represents and warrants that they meet these criteria. ColbrayHomes reserves the right to refuse service to any person who does not meet eligibility requirements.
Use of this site for any unlawful purpose is strictly prohibited. Visitors may not attempt to gain unauthorized access to any part of the site, transmit harmful or malicious code, collect personal information of other users, or use automated tools to scrape or harvest data. Any attempt to interfere with the normal operation of the site or its servers is prohibited and may result in legal action.
Content on this site is provided for informational purposes and personal use only. Reproduction, redistribution, or commercial use of any content without express written consent is not permitted.
Visitors who submit personal or property information through this site agree to provide accurate, current, and complete information. Submitting false or misleading information in connection with a quote request or policy application may invalidate any resulting quote or policy and could result in denial of coverage. ColbrayHomes is not responsible for errors in guidance resulting from inaccurate information submitted by a user.
By submitting a form or signing up for coverage guidance, the user agrees to receive service-related communications by email, phone, or text message in connection with the submitted request. Separate consent may be requested for marketing communications. To withdraw consent from any form of communication, a user may reply STOP to any text message or submit a written request using the contact information below. Withdrawal of consent does not affect lawfulness of communications sent before the request was received.
All content on this site, including text, images, logos, design elements, and layout, is the property of ColbrayHomes or its licensors and is protected by applicable copyright and trademark law. Nothing in these terms grants any license to use or reproduce site content for commercial purposes. Limited personal, non-commercial use of information from this site is permitted provided proper attribution is given.
This site and all content it contains are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. ColbrayHomes makes no representation that the site will be uninterrupted, error-free, or free of viruses. The information on this site is provided for general guidance only and is not a substitute for professional insurance advice tailored to specific circumstances.
Quotes or estimates provided through this site are preliminary and non-binding until confirmed through a formal underwriting process. Actual coverage, pricing, and availability are subject to formal policy issuance.
To the fullest extent permitted by applicable law, ColbrayHomes shall not be liable for any indirect, incidental, consequential, or punitive damages arising from use of or inability to use this site, even if advised of the possibility of such damages. This limitation applies to damages arising from errors in information, unauthorized access to personal data, or any other matter related to the site or services.
These terms of use are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any dispute arising from these terms or use of this site shall be subject to the exclusive jurisdiction of the courts located in Essex County, New Jersey.
These terms of use may be revised at any time to reflect changes in services, legal obligations, or business practices. The effective date at the top of this page will be updated when revisions are made. Continued use of this site after a revision is posted constitutes acceptance of the updated terms. Reviewing this page periodically is recommended to remain aware of any changes.
Questions about these terms or the services described here can be directed to:
Email: elliot.colbray@colbrayhomes.com
Phone: +1 (201) 409-6759
Address: 32 Noble St Newark NJ 07114