Personal Insurance

Safeguarding Your Home, Auto, and personal property in Florida and Surrounding Areas

Personal insurance encompasses a wide array of coverages tailored to protect individuals and families against various risks in their lives. These insurance policies provide financial security and peace of mind in the face of unforeseen events. From safeguarding homes and vehicles through homeowners and auto insurance to protecting boats, RVs, and personal watercrafts, personal insurance aims to mitigate potential financial burdens arising from accidents, illnesses, property damage, or liability claims.

Personal insurance policies are tailored to the unique needs of individuals and families, offering comprehensive coverage to navigate life's uncertainties with confidence. At Sterling Meadows Insurance Agency, we understand the importance of personal security, and our personalized approach ensures that our clients have the right coverage in place to protect what matters most to them.

Recreational Vehicle Insurance

Personal Watercraft Insurance

Pet Insurance

Hurricane &  Named Storm Coverage

Insurance for hurricanes provides coverage for damages resulting from hurricanes, tropical storms, and other named storms. Typically, it includes protection against wind damage and storm surge.

Water Backup Coverage

It might come as a surprise that most homeowner's insurance policies don't cover damage resulting from water backing up into the home through sources like sewers, sumps, or drains such as a toilet overflow. This type of damage isn't included in flood insurance either. To ensure coverage for water damage caused by this backflow into your home, an endorsement policy known as a Water Backup endorsement is necessary.

Underground Service Lines Coverage

As a homeowner, it's your responsibility to maintain the service lines from your home to the property line. However, a typical homeowner's policy doesn't provide coverage for service line damage. This endorsement is designed to assist in covering repair costs and related expenses. Additionally, it might also include coverage for expenses like accommodations, meals, and other costs if you're unable to stay in your home while repairs are underway.

Earthquake Coverage

To protect against damage resulting from shaking, like structural collapse, it's essential to have an earthquake policy in place.

Sink Hole Coverage

Also known as "catastrophic ground cover collapse insurance," this coverage is explicitly crafted to shield property owners from the financial impacts of damage caused by sinkholes.

Mold Coverage

The process of eliminating mold from your residence typically involves testing, removal, and cleaning, costs that can easily surpass the mold damage coverage limit on a standard homeowners' policy. With a Mold Endorsement, you can elevate your limits, providing enhanced protection for your financial security.

Screened Enclosure and Carport Coverage

The endorsement provides coverage for screened enclosures and aluminum-framed carports damaged by a hurricane. Usually, standard homeowners insurance policies in Florida do not include coverage for such damage, even with hurricane insurance in place. If you own a screened enclosure or carport, considering this coverage is advisable.