Terms of use

Effective October 13, 2026

Information only

Everything on the Espero Insurance Blog is general information about insurance in California. It is not insurance, legal, tax, or financial advice, and it is not an offer to sell, solicit, or negotiate insurance. Coverage depends on your actual policy, and rules and rates change. Talk to a licensed professional about your situation before making decisions.

Accuracy

We work to keep every article accurate and link to our sources, and each article shows the date it was last checked. We can't guarantee that information is complete or current after that date. If you find an error, email hello@esperoinsurance.com.

Links to other sites

We link to government agencies, news outlets, and other sources. We don't control those sites and aren't responsible for their content.

Our content

Articles and design on this site belong to Espero. You're welcome to share links and short quotes with credit. Please don't republish full articles without permission.

Limitation of liability

To the extent the law allows, Espero isn't liable for decisions made or actions taken based on information on this site.

Governing law

These terms are governed by the laws of the State of California.