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Frequently Asked Questions

What is renters insurance?

Renters insurance is an insurance policy that provides financial protection for your personal property from loss or damage and liability coverage for loss or damage to other’s property.

• Property Protection: The policy protects your personal belongings up to your chosen limit from $10k - $75k against events such as fire, theft, wind and water.
• Liability Property Protection: The policy includes up to $100,000 of protection in the event of a covered loss as the result of accidental or negligent actions.
• Liability Animal Protection: Do you own a pet? Animal liability, such as a dog bite, is covered up to $10,000 (not all states).
• Temporary Living Expenses: Your policy can reimburse you for additional living expenses such as temporary housing, restaurant meals and relocation expenses.

Who is BaldwinSelect Insurance?

BaldwinSelect Insurance is an insurance agency providing specialized insurance programs specifically for the multi-family and single-family housing market. BaldwinSelect Insurance builds business relationships with owners and managers within the housing market allowing us to offer targeted, high-quality insurance products for their residents.

Does my property manager’s insurance policy cover my personal property?

The property manager or owner of your residence is not responsible to reimburse you if your personal belongings are damaged, destroyed or stolen.

Why do I need renters insurance anyway?

The following are real-life scenarios where renters insurance can help you:

• A fire in the apartment below yours destroys your furniture, TV, electronics and your clothes. Without renters insurance, you will have to pay to replace it all out of your own pocket!
• What if a water pipe breaks in your residence, through no fault of your own, and your personal possessions are damaged or destroyed? The property manager’s insurance is not responsible for repairing or replacing your property. Your renters insurance policy provides coverage for your belongings.
• What if you or one of your family members causes a fire or water leak that damages or destroys another resident’s personal property? Without a renters insurance policy, you can be held financially responsible to replace their property.
• If your home is broken into and your belongings are stolen, a renters insurance policy can provide coverage to help you replace your property.

What advantages do I get with BaldwinSelect Insurance?

• Pre-Approved: You are pre-approved with affordable coverage with no credit or background check
• Convenience: We automatically notify your property manager of your coverage, saving you time and hassle
• Expedited Claims: Claims processing can be done online at www.BaldwinSelectinsurance.com/claims or you can call one of our representatives at 888-598-7376
• Complete Coverage: You and up to five of your roommates can be covered under one policy

Privacy Policy:

We respect your privacy and are committed to treating customer information responsibly. This notice explains how we use the personal information we may collect on this website, such as your name, address, email address and phone number. Millennial Specialty Insurance, LLC website visitors may elect to provide us with personal information via online registration forms, applications for insurance or email. This information is used internally and by affiliates to handle your request, service your policy or product, administration of the site, market research, data analytics, compliance with legal obligations and billing notifications. You understand and agree that all information entered and transmitted through this site is the sole responsibility of the person from whom such information originated. You are responsible for all information you make available herein. In the use of our site, you agree to provide accurate and complete information about yourself as may be prompted and to maintain the security of any logins, passwords, or other credentials that you select or that are provided for use on our site. Your information is not sold to other organizations. We restrict access to nonpublic personal information about you to employees and agents who need to know that information to provide products and services to you. We may provide your information to our service providers who assist us in maintaining the Site or its functionality, or who otherwise perform services on our behalf. We may also disclose your information as required or permitted by law, for law enforcement purposes, to enforce our terms of use, or to protect our operations or users. However, we will not share your information with other companies for their marketing purposes without your consent. In the event of a re-organization or sale of all or a portion of our business or the Site, we may transfer your personal information to the acquiring party. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. In order to provide policy and account information electronically, we require a valid email address and we provide you the ability to create an account to service your policy online. To protect your privacy, please do not email us information you consider confidential. Email is not a secure method of communication and is not encrypted. You may have an option in the future to subscribe to our SMS Services. If you agree to receive SMS Service messages at the address you provide and represent that you are the owner or authorized user of the wireless device you are subscribing to the services we provide. Standard carrier text messaging charges will apply. You may opt-out at any time by replying ‘STOP’ to any SMS message we send. Your wireless carrier and other service providers may collect data about you and their practices are governed by their own privacy policy. We do not guarantee that SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security. Our website may contain links to other sites and we are not responsible for the security or practices of those sites. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice. We do not disclose your information to nonaffiliated parties. Any transfer of your information will be consistent with the policies set forth in this privacy policy. We use commonly used technologies, like cookies and IP address collection to improve your experience on our site. We may collect device-specific information (such as your hardware model, operating system version, unique device identifiers, and mobile network information including phone number). When you use our services or view content provided by us, we may automatically collect and store certain information in server logs. This may include details of how you used our service, Internet protocol addresses (IP addresses), browser type, the date and time of your request, referral URL, and cookies that may uniquely identify your browser or your account. Certain services including applications for insurance or other products have a unique application or policy number. This number and information about you may be kept when you use our software. We use various technologies to collect and store information when you visit our site, and this may include sending one or more cookies or anonymous identifiers to your device. We may also use cookies and anonymous identifiers when you interact with services we offer to our partners, such as advertising services.

We reserve the right to change this privacy policy at any time. If you think information we may have collected about you is inaccurate, you may send a written request for review and we will make appropriate changes, if warranted. Please write to us at MILLENNIAL SPECIALITY INSURANCE, PO BOX 210788, BEDFORD, TX 76095.

Privacy Notice – California

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Effective January 1,2020

We strive to protect your privacy. This notice applies to you if you are a California resident and are contacting us to learn about our products, to buy insurance for yourself (for example, renters insurance), or if you are filing a claim against a policy. In this notice, we explain how we gather, use, share, and protect your data.

What Personal Data Do We Collect?
The types of personal data we gather and share depends on both the product and your relationship to us. For example, we may gather different data if you are a claimant reporting an injury than if you want a quote for renters insurance. The data we gather can include your social security number, income, transaction data such as account balances and payment history, and data from consumer reports. It may also include data gathered in connection with our provision of insurance services, when you apply for such services, or resulting from other contacts with you. It may also include:

• Identifiers, including a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, or other similar identifiers;

• Personal data, such as your name, signature, Social Security number, physical characteristics or description, address, telephone number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, financial data, medical data, or health insurance data;
  
• Protected classification characteristics described in California Civil Code §1798.80(e), including age, race, color, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status;
  
• Commercial data, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories and tendencies;
  
• Internet or other similar network activity, including browsing history, search history, data on a consumer’s interaction with a website, application, or advertisement;
  
• Professional or employment related data, including current or past job history or performance evaluations;
  
• Inferences drawn from other personal data, such as a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes;
  
• Risk data, including data about your driving and/or accident history; this may include data from consumer reporting agencies, such as your motor vehicle records and loss history data, health data, or criminal convictions;
  
• Claims data, including data about your previous and current claims, which may include data regarding your health, criminal convictions, third party reports, or other personal data.

For information about the types of personal data we have gathered in the past twelve months, please go to the California Supplemental Privacy Policy.

How Do You Gather my Data?

1. We gather your personal data directly from you. For example, you provide us with data when you:

• ask about, buy insurance or file a claim
• pay your policy
• visit our websites, call us, or visit our office

2. We also gather your personal data from other people. For example:

• your insurance agent or broker
• your employer, association or business (if you are insured through them)
• our affiliates or other insurance companies about your transactions with them
• consumer reporting agencies, Motor Vehicle Departments, and inspection services, to gather your credit history, driving record, claims history, or value and condition of your property
• other public directories and sources
• third parties, including other insurers, brokers and insurance support organizations who you have communicated with about your policy or claim, anti-fraud databases, sanctions lists, court judgments and other databases, government agencies, open electoral register or in the event of a claim, third parties including other parties to the claim witnesses, experts loss adjustors and claim handlers
• other third parties who take out a policy with us and are required to provide your data such as when you are named as a beneficiary or where a family member has taken out a policy which requires your personal data

Organizations that share data with us may keep it and share it to others as permitted by law. For data about how we have gathered personal data in the past twelve months, please go to the California Supplemental Privacy Policy.

How Do We Use Your Personal Data?
We use your data to provide you our products and services and as otherwise provided in this notice. We may use your data and the data of our former customers for our business purposes. Our business purposes include:

Do We Share Your Personal Data?
We do not sell your personal data as defined by California law.

We may share personal data with affiliated and non-affiliated third parties, including:

• Affiliates;
• Service Providers (such as independent adjusters);
• Insurance support organizations;
• Brokers and agents;
• Public entities (e.g. regulatory, quasi-regulatory, tax or other authorities, law enforcement agencies, courts, arbitrational bodies, and fraud prevention agencies);
• Consumer reporting agencies;
• Advisors including law firms, accountants, auditors and tax advisors;
• Insurers, re-insurers, policy holders, claimants;
• Group policyholders (for reporting claims data or an audit);
• Service providers and affiliates for actuarial or research studies; and
• As permitted by law

We may also share data with other companies that provide marketing services on our behalf or as part of a joint marketing agreement for products offered by us. We will not share your personal data with others for their own marketing purposes.

We may also share data about our transactions (such as payment history) and experiences (such as claims made) with you to our affiliates.

We may share the following categories of personal data as needed for business purposes:

• Identifiers
• Personal Data
• Protected Classification Characteristics
• Commercial Data
• Internet of other similar network activity
• Professional, employment and education data
• Inferences drawn from personal data
• Risk Data
• Claims Data

For information about how we have shared personal data in the past twelve months, please go to the California Supplemental Privacy Policy.

Your Agent or Broker
Contact your agent or broker to learn more about their privacy practices.

How Do We Keep your Personal Data Safe?
We maintain physical, electronic, and administrative safeguards created to protect your data from unauthorized access. Our employees are authorized to access your data only for legitimate business purposes.

What Rights Do I Have to Learn More About My Personal Data?
You may have rights under California laws to learn more about our privacy practices.

For example, under the California Insurance Code you may request a copy of certain information about you to review its completeness and accuracy. You must make this request in writing by contacting us as indicated below. We have 30 business days after receiving your request to send the data to you.

To the extent required by law, we will also tell you of any persons to whom we have shared the data in the last two years. We will also share the name and address of any consumer reporting agency from which we have received information about you. Some data we are not required to share.

If you believe the data we have about you is incorrect, you may notify us in writing of what you would like to correct and why. We will respond within 30 business days.

If we agree, we will change our records. We will send the change to any organization that has received the inaccurate information from us. It will also be included in any later disclosures to others.

If we disagree, we will tell you why. You can write us with a short statement explaining why you believe that the data is incorrect. This will become part of the file. We will also send it to any persons that have received the disputed information from us. It will also be included in any later disclosures to others.

You may have additional rights under other California laws. For more information about these rights, please go to the California Supplemental Privacy Notice. If you cannot access the link, please contact us.

How to Contact Us:
You can submit requests, seek additional information, or obtain a copy of our privacy notice in an alternative format by either:

Calling: 844-788-0873

Email:ContactUs@msimga.com

Mail:
MILLENNIAL SPECIALITY INSURANCE
PO BOX 210788
BEDFORD, TX 76095

Who is Providing this Notice?

This Privacy Notice is provided on behalf of the following MSI and affiliates:

To download a copy of this document, please click here.

Copyright © 2024 Baldwin Krystyn Sherman Partners, LLC. All rights reserved. Please read these Terms of Use carefully before using this website. Your use of this website is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this site.

Terms Of Use:

These "Terms of Use" (this "User Agreement") govern your access and use of the Website, regardless of how you access or use it. By "Website", we mean the Internet domain address within which this User Agreement is posted and all features, applications, content, and downloads that are operated by us and that are available through or interact with it, and/or post links to this User Agreement. Any use of “us” or “we” or “our”, refers to Baldwin Krystyn Sherman Partners, LLC. and affiliates. This User Agreement constitutes a written agreement between you and Baldwin Krystyn Sherman Partners, LLC. and it affects your legal rights and obligations. Each time you access and/or use the Website, you agree to be bound by and comply with all of the terms of this User Agreement. Therefore, DO NOT USE the Website if you do not agree to all of the terms of this User Agreement. We reserve the right to modify the website, products, services and all website content at any time. Any changes to the User Agreement will be included in these Terms of Use. Any time you use this website you can check these terms. By continuing use of our website, you are agreeing to any changes herein. We may discontinue your use of our website at any time, for any reason and without notice.

When you communicate with us electronically, such as via e-mail and text message, you consent to receive communications from us and affiliates electronically. Please note that, we are not obligated to respond to inquiries that we receive, unless specifically outlined in your policy. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. All of your transactions with our website may be conducted electronically. If we decide to proceed non-electronically, those services will still be governed by these Terms of Use. If the law allows you to withdraw your consent to communicate or conduct business electronically, or if we are ever required to deal with you non-electronically, we reserve the right to charge fees associated with any activity. You understand that electronically signed documents are the same as paper documents with an ink signature. If you purchase a policy or product from us, you may be required to complete a paperless processing consent agreement, which will allow us to conduct business communications with you electronically. That consent is contained in the application process and will be recorded with your agreement at the time of purchase.

You may not use the Website for commercial, political, or inappropriate purposes. By using the Website, you will not obtain any ownership or intellectual property or other interest in it or any virtual or other items that may be used in connection with it. You should not use any portion of this Website, or any property in the source code of our website, or in any other printed or electronic materials, including but not limited to materials of the Website and any and all copyrightable material, including but not limited to trademarks, intellectual property, source and object code. You should not modify, publish, copy, upload, reproduce or otherwise use any of this Website's content or frame this Website within any other Website without our prior written permission. Unauthorized use of any content on our site may result in your personal liability, including potential criminal liability.

We do not have any confidential, fiduciary or any other special relationship by virtue of your use of the website. We provide the website to you on an “as is” basis, without any warranty of any kind. Information on this website is intended for general information and does not constitute legal, professional or accounting advice of any kind. These terms are intended to govern the use of the website and do not include all of the terms or conditions related to any specific products or services we may provide. Legal rights vary by state and may also apply. Any state specific disclosures may be included in a state specific insurance application or policy, if so required. In no event will we be liable to any party, whether it be direct, indirect, incidental, special or other damages or otherwise, whether in contract (including fundamental breach) tort (including negligence) or otherwise, for any use of our website. Including, without limitation, any lost profits, business interruption, loss of programs or data, even if we are expressly advised of the possibility of such damages. Certain links within this website may take you to a site not under our control. We are not responsible for any content on any linked site.

In order to access or use some (or potentially all) of the features of the Website, you may have to become a registered user of the Website (or a portion of it). The Website’s practices governing any resulting collection and use of your personal information are disclosed in its Privacy Statement. Your decision to provide this information is purely voluntary and optional; however, if you elect not to provide it, then you may not be able to access certain Content or participate in certain features of the Website or products or services. If you register for any feature that requires a password and/or username, then we may send you an email notification with a randomly generated initial password and you will be required to create your own password the first time you log in. Temporary passwords may be disabled after a period of time determined by us. You agree that:

a. You will not use a username (or e-mail address) that is already being used by someone else, may impersonate another person, belongs to another person, violates the intellectual property or other right of any person or entity, or is offensive. You will not use a false or invalid email address to create an account. If you do not have an email address and wish to purchase a policy from us, which may require paperless processing, you agree to create an account with us to access any documents electronically.

b. You must keep your email address current and any notice sent by us to an email address that you have provided to us or your agent will be considered effective notice.

c. You will provide accurate, current, and complete registration information about yourself in connection with the registration process and, as permitted, to maintain and update it continuously and promptly to keep it accurate, current, and complete for as long as you use the features to which the registration relates.

d. You are solely responsible for all activities that occur under your account, password, and username, whether or not you authorize the activity (except to the extent that activities occur because someone gains access to our system without using your identifiers and password).

e. You are solely responsible for maintaining the confidentiality of your password and for restricting access to your Internet Device so that others may not access any password protected portion of the Website using your name, username, or password. You will immediately notify us of any unauthorized use of your account, password, or username, or any other breach of security. You will not sell, transfer, or assign your account or any account rights.

We will not be liable for any loss or damage to you or any third party arising from your inability or failure for any reason to comply with any of the foregoing obligations. If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates this User Agreement, any Additional Terms, or any legal requirement or law, then we may suspend or terminate your account. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits – all in our sole discretion, for any reason, and without advance notice or liability.

If any controversy, allegation, or claim arises out of or relates to the Website, or to any of Baldwin Krystyn Sherman Partners, LLC.’ actual or alleged intellectual property rights, then you and we agree to send a written notice to the other providing a reasonable description of the Dispute, along with a proposed resolution of it. Our notice to you will be sent to you based on the most recent contact information that you provide us. But if no such information exists or if such information is not current, then we have no obligation under this Section. Your notice to us must be sent to: Baldwin Krystyn Sherman Partners, LLC 4010 West Boy Scout. Suite 200 Tampa, FL 33607, U.S.A., and Attention: General Counsel. For a period of 60 days from the date of receipt of notice from the other party, we and you will engage in a dialogue in order to attempt to resolve the Dispute, though nothing will require either you or us to resolve the Dispute or Excluded Dispute on terms with respect to which you and we, in each party’s sole discretion, are not comfortable.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Terms and Conditions for Paperless Delivery of Communications and Documents

By consenting to receive communications from Baldwin Krystyn Sherman Partners, LLC. and affiliates, electronically, you are agreeing that documents and official notices which you are required to receive may be sent to you electronically rather than in paper form. You agree that these paperless communications are the legal equivalent of officially required communications relating to your policy which you would otherwise receive in paper form. These communications may include, but are not limited to, policy declarations, policy forms, endorsements, related forms, insurance identification cards, billing statements, installment schedules, legally required notices, and other official correspondence.

YOU AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY. SUCH ELECTRONIC MAILING OR COMMUNICATIONS MAY EVEN INCLUDE CANCELATION OR NON-RENEWAL NOTICES. This consent will apply to all policies issued to you through your agent. You agree to provide your agent with your current email address, so your agent can send you notices and other documents via email or notify you that documents are available for your review. If you do not have an email address, a username and password will be provided to you for online access to your account and policy documents. You also agree to update your account and notify your agent of any change in your email address. Please note that your agent may deliver certain documents via U.S. Mail due to legal requirements and/or system limitations. You may request a paper copy of any official notice sent to you, or of your policy documents. There is no fee to request such copies from your agent. You may request to opt out of paperless processing by writing to us at Baldwin Krystyn Sherman Partners, LLC 4010 West Boy Scout Blvd. Suite 200 Tampa, FL 33607 or by calling 844-788-0873. SYSTEM REQUIREMENTS: You acknowledge and agree that you have sufficient access to a privately-owned computer and email system (as opposed to one with limited access, such as those housed in public libraries) that will: permit you to access, view, and print the communications your agent will send; permit you to receive emails that contain hyperlinks to websites; and permit you to access websites. The following system requirements are necessary for you to receive and view these communications: You must have Adobe Reader version 8.0 or later or a similar PDF reader. Download the current version of Adobe Reader from the Adobe website at www.adobe.com. Online documents are supported on the current versions of Firefox, Google Chrome, Safari, Edge, and Internet Explorer version 10 and later.

Payment Terms

If you establish an account with us, your payment through our payment gateway service binds you to our payment terms, which may include recurring payments, fees and premiums that will draft from your account or bill your credit card, debit card or checking account. The first payment made by you constitutes the agreement to the payment terms on your account and authorizes us to bill you according to those terms. As the user of our billing service, you will have submitted your banking account or credit card or debit card account information. You are responsible for any legal, regulatory, or banking penalties and fees that may be assessed for supplying false information. You agree that you are the authorized signer for the account. By providing us with the account information, you authorize us to process payments on your account for products or services provided to you. We will process any payment as close as reasonably possible to the date indicated in your payment schedule, provided to you at time of purchase. If your payment is received by us after the due date, with no exceptions, including the payment service being temporarily unavailable, you agree that you may be subject to additional fees and charges and you may have your policy or service canceled. Any payment or installment attempt on your account that is returned from the bank for any reason, may be charged additional returned item fee(s), which will be added to the original amount and auto-debited from your account. Your bank or card holder may also charge you additional fees. If you cancel your policy, your payments are subject to a refund. If prior to the policy effective date, you are subject to a full refund, less earned policy fee in some states. If your cancellation effective date is after your policy effective date, any refund is prorated based on the days coverage was provided and fees earned. Billing installment fees are non-refundable. We reserve the right to cancel your policy for non-payment and may reserve the right to not accept payment to reinstate for repeated non-payments or returned payments. You will be liable for any return check fees and late payment penalties. Acceptance of a payment does not ensure that policies cancelled for non-payment will be reinstated. You authorize us to initiate transactions, including all fees, to your transaction account number (including checking and savings accounts) and/or charges to your credit or debit card. We make every effort to comply with all payment processing rules and regulations. If you believe you have been charged a fee or payment in error, please contact your agent or visit our contact us page for information on inquiries. We reserve the right to refuse processing service to you at any time for any reason. You may also discontinue use of the Payment Gateway at any time for any reason. IT IS YOUR RESPONSIBILITY to delete your account for recurring payments to be discontinued, otherwise charges will continue to be assessed to your billing account during the period designated for recurring payments to take place. You agree to indemnify and hold us harmless for any recurring payments that are charged by accident or because you failed to cancel your recurring payment. You can cancel your service by calling your agent or us. Contact your agent with any questions you may have regarding your account. The following additional fees may apply: Returned NSF Check - $10.00 ($15.00 in FL), Reinstatement/Lapse - $5.00. Some conditions, exclusions, limitations and/or restrictions may apply. Please refer to your policy for a detailed description of the coverages and limits. You understand that we will not send you a bill before any scheduled deductions are made and that it is your responsibility to make sure that there are sufficient funds in this account at the time of each deduction. You also understand that the policy may cancel or expire if there are insufficient funds in the account.

Underwriting Companies:

*Spinnaker Insurance Company, NAIC # 24376, (C.A. # 4394-3), 1 Pluckemin Way, Suite 102, Bedminster, NJ 07921, State of Domicile: IL

Cypress Property and Casualty Insurance Company, NAIC # 10953, PO Box 44221, Jacksonville, FL 32231, State of Domicile: FL

*Century-National Insurance Company, NAIC # 26905, (C.A. # 1509-9), PO Box 3999, North Hollywood, CA 91609, State of Domicile: CA

* Companies maintaining a Certificate of Authority to transact insurance in California. The Certificate of Authority number (C.A. #) appears after the company name.

Copyright © 2024 Baldwin Krystyn Sherman Partners, LLC All rights reserved.

Automated Payment Terms and Conditions:

If you establish an account with us, your payment through our payment gateway service binds you to our payment terms, which may include recurring payments, fees and premiums that will draft from your account or bill your credit card, debit card or checking account. The first payment made by you constitutes the agreement to the payment terms on your account and authorizes us to bill you according to those terms. As the user of our billing service, you will have submitted your banking account or credit card or debit card account information. You are responsible for any legal, regulatory, or banking penalties and fees that may be assessed for supplying false information. You agree that you are the authorized signer for the account. By providing us with the account information, you authorize us to process payments on your account for products or services provided to you. We will process any payment as close as reasonably possible to the date indicated in your payment schedule, provided to you at time of purchase. If your payment is received by us after the due date, with no exceptions, including the payment service being temporarily unavailable, you agree that you may be subject to additional fees and charges and you may have your policy or service canceled. Any payment or installment attempt on your account that is returned from the bank for any reason, may be charged additional returned item fee(s), which will be added to the original amount and auto-debited from your account. Your bank or card holder may also charge you additional fees. If you cancel your policy, your payments are subject to a refund. If prior to the policy effective date, you are subject to a full refund, less earned policy fee in some states. If your cancellation effective date is after your policy effective date, any refund is prorated based on the days coverage was provided and fees earned. Billing installment fees are non-refundable. We reserve the right to cancel your policy for non-payment and may reserve the right to not accept payment to reinstate for repeated non-payments or returned payments. You will be liable for any return check fees and late payment penalties. Acceptance of a payment does not ensure that policies cancelled for non-payment will be reinstated. You authorize us to initiate transactions, including all fees, to your transaction account number (including checking and savings accounts) and/or charges to your credit or debit card. We make every effort to comply with all payment processing rules and regulations. If you believe you have been charged a fee or payment in error, please contact your agent or visit our contact us page for information on inquiries. We reserve the right to refuse processing service to you at any time for any reason. You may also discontinue use of the Payment Gateway at any time for any reason. IT IS YOUR RESPONSIBILITY to delete your account for recurring payments to be discontinued, otherwise charges will continue to be assessed to your billing account during the period designated for recurring payments to take place. You agree to indemnify and hold us harmless for any recurring payments that are charged by accident or because you failed to cancel your recurring payment. You can cancel your service by calling your agent or us. Contact your agent with any questions you may have regarding your account. The following additional fees may apply: Returned NSF Check - $10.00 ($15.00 in FL), Reinstatement/Lapse - $5.00. Some conditions, exclusions, limitations and/or restrictions may apply. Please refer to your policy for a detailed description of the coverages and limits. You understand that we will not send you a bill before any scheduled deductions are made and that it is your responsibility to make sure that there are sufficient funds in this account at the time of each deduction. You also understand that the policy may cancel or expire if there are insufficient funds in the account.

Baldwin Krystyn Sherman Partners, LLC is licensed in the following states:

- AK License #100125487
- AL License #284979
- AR License #100102775
- AZ License #1800005114
- CA License #0F69771
- CO License #287756
- CT License #2279411
- DC License #2837600
- DE License #1070914
- FL License #L002281
- GA License #117361
- HI License #347764
- IA License #1001003669
- ID License #276961
- IL License #100285666
- IN License #543162
- KS License #204102683-0
- KY License #DOI-638213
- LA License #416707
- MA License #1928205
- MD License #99983474
- ME License #PRN182158
- MI License #84857
- MN License #40159481
- MO License #8022381
- MS License #15005457
- MT License #692192
- NC License #204102683
- ND License #20294468
- NE License #100173171
- NH License #2025924
- NJ License #1077119
- NM License #1800004950
- NV License #561354
- NY License #PC-1047787
- OH License #36458
- OK License #10000208
- OR License #100168671
- PA License #494875
- RI License #2033299
- SC License #1905552418
- SD License #10003854
- TN License #4723
- TX License #1465036
- UT License #245932
- VA License #102991
- VT License #544391
- WA License #708202
- WI License #100194260
- WV License #100109955
- WY License #164980