Get coverage for damage to your property, personal belongings, and liability. Enjoy peace of mind knowing that your home is protected in case of unexpected events like fires, theft, or natural disasters.
Behar Insurance's strength comes from working with a broad variety of insurance companies. As each insurance company has a different focus, we can match the best insurance company based on your address, home type, age and your credit score.
We work very closely with your real estate agent and mortgage company to make the insurance process as smooth as possible.
Our clients are from all over Florida. You name it, Tampa, Naples, Miami_Dade, Boca Raton, Orlando, Vero Beach we cover all.
Insurance world can get very tricky. Important is that you know what you are buying. Although we hope you’ll never use the insurance, the facts show that you will need to make a claim sooner or later. Thats where you can see the importance of an hand-on agent.
Dwelling (Coverage A): Provides protection for the structure of your home in the event of a covered loss. For example: the walls, roof, or attached garage. Deductibles will apply.
Other Structures (Coverage B): Provides protection for the separate, stand alone structures on your residence premises, such as a detached garage or shed.
Personal Property (Coverage C): Provides protection for your belongings in your home such as furniture and clothing.
Loss Of Use (Coverage D): Provides reimbursement for your expenses such as meals or lodging when your home becomes uninhabitable due to a covered loss.
Medical Payments: Provides protection to someone not living at your residence if they are injured on your property. Covers medical expense to others, caused by the actions of an insured, regardless of legal liability.
Bodily Injury Liability Coverage: Part of your insurance policy that pays costs associated with injuries that are covered within your policy. This may be injury to someone living on the property or a person who does not live on your property but sustained an injury on your property.
Ordinance or Law: Covers increases in the cost to repair your home due to local laws or ordinances.
Replacement Cost for Personal Property: Provides loss settlement for your personal property with a similar item of the same quality, make, and model. Replacement cost does not consider depreciation and usually does not include the cost of wear and tear.
Forced Placed Insurance: A type of policy that a lender can impose on you when you fail to meet their minimum insurance requirements. Your bank may force-place insurance on your property if your homeowner's insurance is cancelled, has lapsed, or the bank has deemed it insufficient to protect the bank's interest.
HO-6 Unit Owners Form: A package policy that covers both property and liability for the owner of a condominium unit whether the unit is owner occupied or rented. This form provides coverage for personal property and additions and alterations and does not cover the building itself.
HO-3 Homeowners Special Form: A package policy that covers both property and liability for the owner and resident of a single family home. The policy form provides coverage for the home (dwelling) and its contents. The HO3 policy form covers all perils unless specifically excluded in the policy language.
DP-3 Dwelling Property Special Form: It's a type of landlord policy. Dwelling property policy form is not a packaged policy. Liability coverage must be purchased at an additional cost (varies by state).
Insurance Policy: A legal contract referred to as indemnity contract, between you and your insurance company. Indemnity is compensation for damages or loss. Therefore, an insurance policy helps to make you "whole again" after covered damages or losses have occurred.
Additional Interest: A person added to your insurance policy that only receives notification of coverage in effect. An additional interest does not have an insurable interest in your property and is not entitled to collect a claim payout in the event of a covered loss.
Additional Insured: A person who has an insurable interest in your home and who is entitled to coverage under your insurance policy. In some cases, an additional insured may be an entity.
Limit Of Liability: The maximum amount your insurer may pay for any afforded coverage as stated on your declarations page and/or within the insurance policy language in the event of a covered loss.
Peril (Qualifying Event): Any qualifying event, circumstance or hazard that causes damage or complete loss to your property or personal belongings.
Total Loss: When it costs more to repair your personal belongings or your home than it would to replace them.
Scheduled Personal Property Coverage: An additional or extended coverage that can be added to homeowners, condo or renters insurance policies and protected high-value items that don't fall within typical policy limits.
Actual Cash Value: An estimation of how much it will cost to replace or repair something damaged or stolen minus depreciation (the decrease in value over time).
Send mail to:
PO BOX 970173
Boca Raton, FL 33497-0173
Office: (561) 510-1442
Fax: (561) 807-0410
Overnight Mailing Address:
11419 W Palmetto Park Rd. #970173
Boca Raton, FL 33497-0173
Behar Insurance Boca Raton
7781 NW Beacon Square Blvd. Unit 102
Boca Raton FL 33487
Behar Insurance Orlando
1801 Lee Rd #100-C
Winter Park FL 32789
Behar Insurance Main Office
201 South 2nd Street Unit 209
Fort Pierce FL 34950
BEHAR INSURANCE® trademark with the Trademark Office is 6984181 and 6945068 | Behar Insurance is licensed in Florida, US | National Producer Number: 18365966