Effective Date: November 25, 2025
Welcome to cortezinsuranceagency.com, owned and operated by Luis Cortez-Avila Insurance Agency (“we,” “us,” or “our”). By accessing or using this website, online forms, SMS text communication, or related digital services (collectively, “Services”), you agree to the terms stated here. If you do not agree, do not use our Services.
This website provides general information about insurance products and services available through our agency. Information provided does not constitute an offer of insurance, policy contract, guarantee of coverage, or binding quote.
Coverage availability, pricing, and eligibility are determined solely by the insurance carrier and are subject to underwriting review, policy terms, exclusions, inspections, state regulations, and documentation requirements.
Content on this website is for informational purposes only and should not be interpreted as financial, tax, or legal advice. Consult appropriate professionals before making such decisions.
Insurance offerings provided through this agency are subject to licensing requirements of the State of California, where this agency is legally authorized to conduct business. Some products may not be available in all regions.
Insurance carriers are separate entities. Any reference to a carrier does not imply sponsorship, endorsement, or employment relationship. Policies are issued directly by licensed insurers, not by this website alone.
Our Services assist with:
We do not guarantee:
By providing a phone number and requesting communication, you consent to receive text messages for quotes, billing reminders, policy updates, and service communication. Carrier message/data rates may apply.
Reply STOP to unsubscribe or HELP for assistance. Consent is not required to purchase insurance.
Our SMS Terms & Conditions are incorporated into this Notice.
We respect your privacy. Personal information is collected only for insurance-related purposes and is never sold. Use of our Service is governed by our Privacy Policy, which is incorporated into these Terms.
All content contained on this website—including text, forms, images, and structure—is the property of Luis Cortez-Avila Insurance Agency and protected by intellectual property laws. You may not copy, modify, distribute, or reuse content without written permission.
Links to carriers or third-party platforms are provided for convenience. We are not responsible for third-party privacy practices, products, or services. Accessing external sites is at your own risk.
To the maximum extent allowed by California law:
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any disputes shall be resolved exclusively in California courts.
We may modify these Terms at any time. Updated versions will be posted with a new effective date. Continued use of our Services indicates acceptance of any modifications.
For questions regarding this Legal Notice, Terms of Use, SMS policy, or privacy rights, contact:
Luis Cortez-Avila Insurance Agency
📞 Phone: (909) 363-1630
🌐 Website: www.cortezinsuranceagency.com