Effective Date: 09/14/2026
Last Updated: 09/14/2026
Welcome to Turpen & Associates. These Terms of Service (“Terms”) govern your use of our website (turpeninsurancelubbock.com) and any related services we provide, including insurance quotes, policy servicing, and text messaging communications.
By accessing our website, requesting a quote, purchasing or servicing insurance through us, or opting in to receive text messages, you agree to these Terms. If you do not agree, please do not use our website or services.
1. About Us
Turpen & Associates is a family-owned independent insurance agency located in Lubbock, Texas. We help individuals, families, and businesses in Texas, New Mexico, Oklahoma, and Colorado obtain personal and commercial insurance coverage.
Contact Information
Turpen & Associates
3417 73rd St, Suite 74
Lubbock, TX 79423
Phone: (806) 416-7265
Email: service@turpeninsurancelubbock.com
2. Our Services
We provide insurance agency services, including but not limited to:
- Personal auto, home, and specialty insurance
- Commercial and business insurance
- Policy quotes, binding, and servicing
- Claims assistance and customer support
We are an independent agency and represent multiple insurance carriers. Coverage is subject to the terms, conditions, and underwriting guidelines of the issuing insurance company. We do not guarantee that coverage will be available or that any particular quote will be offered.
3. Text Messaging (SMS) Terms
If you provide your mobile phone number and consent to receive text messages from Turpen & Associates, the following terms apply:
- You may receive text messages related to policy questions, claims updates, service notices, appointment or follow-up communications, and other customer care messages.
- Message frequency varies.
- Message and data rates may apply depending on your mobile carrier plan.
- Consent to receive text messages is not a condition of purchasing any insurance product or service.
- You can opt out at any time by replying STOP to any message. For assistance, reply HELP or contact us at the phone number or email above.
- We may change the phone number used to send messages at any time.
- Mobile information and SMS opt-in data will be shared only with our SMS service provider as needed to deliver messages and will not be shared with third parties for marketing or promotional purposes.
By opting in, you confirm that you are the owner of the mobile number provided or have permission to receive messages at that number.
4. Website Use
You agree to use our website only for lawful purposes. You may not:
- Attempt to gain unauthorized access to any part of the site or our systems
- Use the site to transmit harmful code or engage in any activity that disrupts the site
- Misrepresent your identity or affiliation when contacting us
All content on the website (text, graphics, logos, etc.) is owned by Turpen & Associates or our licensors and is protected by copyright and other intellectual property laws. You may not copy, reproduce, or distribute site content without our prior written permission.
5. Quotes and Insurance Coverage
Any quote provided is an estimate only and is subject to underwriting approval by the insurance carrier. Final coverage, premiums, and terms are determined by the insurance company and the policy issued. We are not responsible for the decisions of insurance carriers.
You are responsible for reviewing your policy documents carefully and understanding the coverage, exclusions, and conditions.
6. Limitation of Liability
To the fullest extent permitted by law, Turpen & Associates and our agents, employees, and representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.
Our total liability for any claim arising out of these Terms or our services shall not exceed the amount of fees (if any) you paid directly to us for the specific service giving rise to the claim in the twelve (12) months preceding the claim.
Nothing in these Terms limits any rights you may have under applicable insurance laws or regulations.
7. Indemnification
You agree to indemnify and hold harmless Turpen & Associates and our agents from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your misuse of the website, violation of these Terms, or provision of inaccurate information.
8. Privacy
Your use of our services is also governed by our Privacy Policy, which is available at [insert link to your Privacy Policy page, https://turpeninsurancelubbock.com/?page_id=2061. Please review it carefully.
9. Changes to These Terms
We may update these Terms from time to time. The updated version will be posted on this page with a revised “Last Updated” date. Continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.
10. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Lubbock County, Texas.
11. Contact Us
If you have questions about these Terms of Service, please contact us:
Turpen & Associates
3417 73rd St, Suite 74
Lubbock, TX 79423
Phone: (806) 416-7265
Email: service@turpeninsurancelubbock.com