Terms of use

We grant you a limited, revocable, non-exclusive license to view and use this site for your personal or internal business purposes: learning about coverage, requesting quotes, and managing your policies with us. The content on this site belongs to Halvern Insurance. You may not copy, republish, or scrape it, or use it to build a competing service.

This is the most important section on this page.

• Nothing on this site is an offer to sell insurance, and nothing on it constitutes a policy of insurance.
• Insurance coverage cannot be bound, changed, or cancelled through this website. No coverage (new, changed, added, or deleted) goes into effect unless and until it is confirmed directly to you by a licensed agent, in writing. Submitting a form here does not purchase insurance.
• Quotes are estimates. They are based on the information you give us and on carrier rates at the time, and they are not final until the carrier underwrites your application and issues the policy. Underwriting means the carrier’s own review of your risk, and it can change the price, the terms, or the answer.
• If any statement on this site conflicts with a policy issued to you, the policy controls.

The full version of this rule lives on our disclaimer page.

Using this site, you agree not to:

• Use it for any unlawful purpose.
• Misrepresent who you are or submit false information on any form. This matters more in insurance than almost anywhere else: a material misrepresentation on an application can void the coverage it produces.
• Interfere with the site’s operation, probe its security, or access it with automated tools such as bots and scrapers.

This site is provided as is and as available. We work to keep the information on it accurate and current, but we do not warrant that it is error-free, complete, or uninterrupted. Insurance products, carrier appetites, and state rules change. Where the site lags reality, reality wins.

To the fullest extent the law allows, Halvern Insurance is not liable for indirect, incidental, consequential, or punitive damages arising from your use of this website. Nothing in these terms limits any obligation under an insurance policy actually issued to you, or any right you have under law that cannot be waived.

If you give us your mobile number and opt in, we may text you about your quotes and policies. The fine print, plainly:

• Message frequency varies. We text when there is a reason to.
• Message and data rates may apply, charged by your carrier.
• Reply STOP at any time to opt out, or HELP for help. You can also just call us.
• Consent to receive texts is not a condition of purchasing anything from us.

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules.

We may update these terms from time to time. When we do, we will change the date at the top of this page. Continuing to use the site after a change means you accept the updated terms.

Questions about these terms: email info@halvern.com or call (917) 246-7038, Mon–Fri 9:00–6:00 ET.