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Terms of Use

By accessing this Website, you agree to the following Terms of Use. If you do not agree to these Terms of Use, discontinue your navigation or access to this Website. GuideOne Insurance (GuideOne) reserves the right to change these Terms of Use, and your continued use of this Website (Site) constitutes agreement to all such changes. GuideOne means GuideOne Mutual Insurance Company and its affiliates and subsidiaries.

GuideOne Website Use

This Site is to be used by GuideOne’s policyholders, potential policyholders, and agents. You may print, copy, and download any information or portion of this Site for your personal use only. You may not modify, copy, distribute, transmit, display, disseminate, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any way, in whole or in part, any information, products, policies or services obtained from this Site, unless otherwise allowed or permitted by this Site. Unauthorized use of this Site and or any GuideOne system, including, but not limited to, unauthorized entry into GuideOne’s systems, misuse of passwords or other information, is strictly prohibited. You may not use this Site in any manner that could damage, disable, overburden, or impair any GuideOne Site or service or interfere with any other party’s use and enjoyment of any GuideOne Site or service. You may not attempt to gain unauthorized access to any GuideOne Site or service, computer systems or networks connected to any GuideOne Site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this Site that are contrary to applicable laws or regulations.

GuideOne reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this Site and to suspend and/or deny access to this Site for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this Site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and GuideOne does not undertake any obligation or responsibility to update or amend any such information. GuideOne may discontinue or change any product offering or service described in or offered on this Site at any time.

Limitation of Liability and Disclaimer of Warranty

The information, policy descriptions and services on this Site are provided on an “AS IS,” and “AS AVAILABLE” basis. GuideOne does not warrant the information or services provided herein or your use of this Site generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. GuideOne will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this Site. Although the information provided to you on this Site is obtained or compiled from sources we believe to be reliable, GuideOne cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose.

Neither GuideOne, nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this Site, or resulting from the act or omission of any other party involved in making this Site, the data contained herein or the products, policies or services offered on this Site available to you, or from any other cause relating to your access to, inability to access, or use of the Site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of GuideOne or of any vendor providing software or services. In no event will GuideOne or any such party be liable to you, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if GuideOne or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. GuideOne cannot and does not guarantee continuous, uninterrupted or secure access to the Site.

Proprietary Rights

All right, title and interest in this Site and any content contained herein is the exclusive property of GuideOne, except as otherwise stated. Unless otherwise specified, this Site is for the use of GuideOne’s policyholders, potential policyholders and agents and each may print, copy and download any information or portion of this Site for their personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products, policies or services obtained from this Site, except for the purposes expressly provided herein, without GuideOne’s prior written approval. If you copy or download any information or software from this Site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

GuideOne and the other trademarks, logos, and service marks displayed on this Site (collectively the “Trademarks”) are the trademarks of GuideOne Mutual Insurance Company or their respective third-party owners. Under no circumstances may you alter, modify, or change these Trademarks. You are prohibited from using the Trademarks for any purpose including, but not limited to use as meta tags on other pages or sites on the World Wide Web without the written permission of GuideOne or such third party, which may own the Trademarks.

Pursuant to Section 512(c)(2) of the Copyright Act, GuideOne designates the following agent to receive notifications of claimed infringement: Ann Michelson, GuideOne Mutual Insurance Company, 1111 Ashworth Road, West Des Moines, IA 50265;


This Site contains links to third party Websites. These links are provided only as a convenience. The inclusion of any link is not and does not necessarily imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by GuideOne of any information contained in any third party Website. In no event shall GuideOne be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this Site.

Web Beacons and Cookies

GuideOne reserves the right to use a technology known as “Web beacons” which collects information from visitors and compiles aggregate statistical information about how visitors use this Site, including information relating to the frequency of visits, the average length of visits, which pages are viewed during a visit, and the effectiveness of advertising on this Site. GuideOne uses this information to improve the Site content and performance. Notwithstanding, GuideOne will not share any personally-identifiable information with any third party other than to effect and administer a transaction requested by you.

GuideOne presently uses a temporary cookie file to recognize your computer as you move from page to page on the Site. The cookie is deactivated when you conclude your session. Most Web browser software allows you to modify your preferences to be notified when a cookie is set, or to reject all cookies. If you choose to reject our cookies, some areas of our Site may not function properly.


These Terms of Use shall be governed by and construed in accordance with the laws of the state of Iowa, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use shall be in an appropriate state or federal court located in the County of Polk, State of Iowa and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to your use of this Site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of these Terms of Use, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms of Use, and the remainder of these Terms of Use shall continue in full force and effect. Except for the Privacy Policy respecting any homeowner’s or personal automobile or other personal lines policy you may have with GuideOne, these Terms of Use constitute the entire agreement between GuideOne and you with respect to this Site and it supersedes all prior or contemporaneous communications, agreements and understandings between GuideOne and you with respect to the subject matter hereof.