Insurance guidance for your home, family and business

Bek Insurance, LLC is an independent, family-owned insurance agency founded by Sirmet Bek in 2019. We help you compare coverage options, understand your deductibles and choose protection that fits your needs and budget.

Serving clients throughout Florida and other states where we're licensed, including Orlando, Tampa, Wesley Chapel, Dade City, Zephyrhills, Davenport, Lakewood Ranch and Lakeland, we bring personal attention to your insurance questions—from a first home purchase to a growing business.

More than one state. One agency you can call.

We are licensed in New Jersey, Pennsylvania, Virginia, Connecticut, Maryland, North Carolina, South Carolina, West Virginia, Tennessee, Georgia, Florida and Texas. Insurance options vary by coverage type, state, insurer and eligibility. Tell us where you need coverage, and we'll explain what options may be available.

Start with the coverage you need

Auto insurance: Compare liability limits, deductibles and options for your vehicles and drivers.
Florida home insurance: Review hurricane deductibles, roof coverage, flood options and available wind mitigation credits.
Life insurance: Explore protection for the people and financial responsibilities that depend on you.
Commercial auto insurance: Review coverage for work trucks, service vans, business vehicles and the people who drive them.
Pet insurance: Ask about available accident and illness coverage for your dog or cat.
Additional business insurance: Discuss general liability, business property and workers compensation.
Condo, renters, flood and umbrella: Contact us for help with these additional coverage needs.

Pet insurance for Florida dogs and cats

An unexpected veterinary bill can create a difficult financial decision. Pet insurance can help reimburse eligible veterinary expenses for covered accidents and illnesses. Bek Insurance helps Florida pet owners ask the right questions before choosing available coverage.

Compare more than the monthly premium

Your share of a claim: Review the deductible, reimbursement percentage and annual benefit limit. Ask whether you pay the veterinarian first and request reimbursement.
What the policy covers: Check exam fees, prescriptions, diagnostics and hereditary or chronic conditions. Benefits and exclusions vary by policy.
Preexisting conditions: Review how the insurer defines them and what is excluded. Buying a policy after a symptom appears may leave that condition outside coverage.
Insurance and routine care: A separate wellness program is not insurance. Ask how routine exams, vaccines and preventive care are handled.

Florida law prohibits accident waiting periods. For new policies, illness, disease and non-accident orthopedic waiting periods cannot exceed 30 days. Ask about the effective date, any applicable waiting period and the insurer’s examination waiver process.

Call 973-722-7672 about pet insurance or email Sirmet with a pet insurance question. You can also choose Other on our quote request page and enter “pet insurance.”

If you would also like an auto, home, life or commercial auto review, let us know. We can help you consider those needs alongside your pet insurance questions.

Learn more: NAIC pet insurance overview and Florida’s Pet Insurance Act.

Work directly with an independent agency

We compare available options from multiple insurers and explain meaningful differences in coverage, limits and exclusions. You get a person to call when you have questions about a quote, a renewal or a change in your life.

Insurance help in Central Florida and Tampa Bay

We help customers in Orlando, Tampa, Wesley Chapel, Dade City, Zephyrhills, Davenport and Lakewood Ranch compare insurance for their homes, vehicles, families and businesses. Our office is in Orlando, with personal assistance by phone and email throughout the Florida communities we serve.

Buying a home, renewing a policy or insuring a rental? Tell us how the property is used, when coverage is needed and what matters most to you. We can review roof terms, hurricane deductibles, rebuilding limits and separate flood coverage, then help you compare available options.

Explore local homeowners insurance questions.

Start an auto or home quote, or call 973-722-7672 for any line of coverage. Prefer email? Reach Sirmet at sirmet@bekinsurance.com.

Meet Sirmet Bek | Read customer reviews | Explore our preferred vendor network | Manage an existing policy

Coverage and insurer availability vary by state, eligibility and underwriting. All policies are subject to their terms, conditions, exclusions and deductibles. Requesting a quote does not bind coverage.