Independent Insurance Solutions for Individuals - Sabal Insurance Group
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Personal Lines

Sabal’s Personal Lines Department specializes in ensuring that you have the right insurance coverage for ALL of the risks (and rewards) of your lifestyle.  Our professional can assist you with:


Some of the specific features that may be included in your homeowners policy are:


  • Extended guaranteed replacement cost of the dwelling
  • Ordinance and Law coverage
  • Replacement cost of personal property/contents
  • Increased limits for valuable articles
  • Increased limits for backup of sewers and drains and sump-pump failure
  • Increased limits for loss of use
  • “All-risk” contents coverage (versus named perils)
  • “All-risk” dwelling coverage
  • Increased personal and excess liability limits


It is imperative that you maintain the proper level of coverage for your particular situation. Sabal can assist with Auto Insurance Coverage Areas including:


  • Bodily Injury to Others
  • Personal Injury Protection
  • Bodily Injury Caused by Uninsured or Underinsured Driver
  • Damage to Someone Else’s Property
  • Medical Payments
  • Collision
  • Comprehensive
  • Substitute Transportation
  • Towing & Labor

Excess Liability

Sabal’s Personal Lines Specialists can assist you in purchasing excess liability to properly cover you for the unexpected (and major) claim that could upend your life and significantly dent your asset and net worth. Specific considerations include, but aren’t limited to:


  • Do you own an investment property that you rent?
  • Do you own a second home?
  • Do you own/rent any automobiles, aircraft, watercraft, all-terrain vehicles or motorcycles?
  • Do you have any inexperienced drivers in your household?
  • Do you have a pool; does it have a slide or diving board?
  • Do you have any pets?
  • Do you volunteer on any non-profit, association or community condominium board?


Simply stated, flood damage is due to ‘rising waters’ (e.g., heavy rains, rising rivers or tidal surges). This damage is NOT typically covered by a homeowners policy and can be a cause of significant loss.


If your home is located in an area that has been determined by the federal government to be in a Special Flood Hazard Area (SFHA), and the property is financed by a mortgage, your lender will most likely require that you carry flood insurance in addition to your homeowners coverage.


Even if the property is outside of a federally designated flood area, flood coverage should be carefully considered.


Keep in mind that much of the recent storm damage to homes OUTSIDE of recognized Flood Zones was caused by rising water, which is NOT COVERED by standard homeowners insurance policies.

Sabal Insurance Group

Sabal Insurance Group specializes in the development of innovative insurance solutions for clients nationally and internationally.   These solutions include comprehensive property and liability programs, general and professional liability, workers’ compensation, auto/fleet, and surety bonds.   Our personal lines department offers homeowners, auto, boat, motorcycle, and recreational vehicle insurance.  We also handle rental properties nationwide, as well as jewelry and fine arts (including the coordination of appraisals and valuations).   Licensed in all 50 states, we serve a diverse client base that spans the United States, Europe, and Latin America from our headquarters in Fort Lauderdale, Florida.   Sabal Insurance Group represents multiple insurance carriers, so we offer our clients a wide choice of products and coverages at the best pricing available in the global insurance marketplace. At Sabal, we add exceptional value to insurance and risk management programs through creative placements and aggressive representation of our clients’ interests.