Your quote is not a contract or a binder of insurance. It is an estimate based on information you provided. The changes will not apply until the request is submitted and processed through the underwriting process. After you submit the request, you will receive an email message notifiying you when your change becomes effective. Rates are subject to change. Additional fees, surcharges, discounts, exclusions or other limitations may apply. The descriptions of coverages are summaries and are not part of any contract of insurance. Please review our insurance policy for full coverage details. Coverage is subject to the terms, limits and conditions of the policy contract.