IMPORTANT NOTICE:  This web site provides only a simplified description of coverage and is not a statement of contract.  Coverage may not apply in all states.  For complete details of coverage, limits and losses not covered, be sure to read the policy, including all endorsements or prospectus, if applicable.  Coverage CANNOT be bound, amended or altered by leaving a message on, or relying upon, information in this website or through e-mail.  We hold licenses in multiple states.  For a list of specific services available for each state, please contact duane@herndonnet.com.