Effective Date: July 30, 2025 | Last Updated: June 2026
These Terms and Conditions (“Terms”) govern your access to and use of the SOVA Insurance website at https://sovainsurance.com (“Site”), operated by SOVA Insurance, a licensed independent insurance agency (Florida Agency License #21682435), licensed in Florida and Oregon.
By accessing or using the Site, you agree to these Terms in full. If you do not agree, please do not use the Site.
1. Services Provided
SOVA Insurance is an independent insurance agency serving clients in Florida and Oregon. We help individuals and businesses compare and obtain coverage for auto, homeowners, renters, life, commercial, and specialty insurance through our network of licensed insurance carriers.
We do not underwrite insurance policies. All policies are issued by independent insurance carriers subject to their own terms, conditions, and underwriting criteria. Nothing on this Site constitutes legal, financial, or professional insurance advice.
2. No Guarantee of Coverage or Rates
Visiting this Site or submitting a quote request does not guarantee that:
- Any insurance policy will be issued to you
- Any quoted premium will be final, available, or accurate
- Specific coverage types or limits will be available in your area
All quotes are estimates only. Final rates are subject to carrier underwriting approval and depend on individual factors including location, claims history, credit history, and other underwriting criteria.
3. Permitted Use of This Site
You agree to use this Site only for lawful purposes. You agree not to:
- Submit false, misleading, or fraudulent information in quote requests or forms
- Reproduce, distribute, or commercially exploit any Site content without written permission
- Attempt to access systems, accounts, or data you are not authorized to access
- Use the Site to harm, harass, threaten, or defraud others
- Violate any applicable local, state, federal, or international law or regulation
We reserve the right to restrict or terminate your access to the Site at any time and for any reason at our sole discretion.
4. SMS and Text Message Terms
By providing your phone number and opting in to receive text messages from SOVA Insurance, you consent to receive service-related and promotional SMS messages. Standard message and data rates may apply. You may opt out at any time by replying STOP. Reply HELP for assistance.
SOVA Insurance will not share your SMS opt-in data or consent with any third party for purposes unrelated to our messaging service. For full details on how we handle your data, see our Privacy Policy.
5. Marketing and Analytics Tools
We use Google Analytics, Meta (Facebook) Pixel, and Google Ads Pixel on this Site. Information about your behavior on this Site may be used to serve relevant advertisements on third-party platforms. For details, see our Privacy Policy.
6. Intellectual Property
All content on this Site — including text, graphics, logos, images, brand identifiers, and marketing copy — is the property of SOVA Insurance or its licensors and is protected by applicable intellectual property and copyright laws. You may not reproduce, distribute, modify, or create derivative works from any Site content without our express written consent.
7. Third-Party Links
The Site may contain links to third-party websites for your convenience. SOVA Insurance does not endorse or assume responsibility for the content, accuracy, products, services, or privacy practices of any third-party sites.
8. Disclaimer of Warranties
The Site and all content are provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
9. Limitation of Liability
To the fullest extent permitted by applicable law, SOVA Insurance, its owners, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your use of — or inability to use — this Site or any content or services thereon, even if we have been advised of the possibility of such damages.
Your sole remedy for dissatisfaction with this Site or its content is to discontinue use of the Site.
10. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles. For Oregon residents, applicable Oregon consumer protection statutes may also apply.
Any disputes arising out of or relating to these Terms or your use of the Site shall be resolved in the state or federal courts located in Broward County, Florida, and you consent to personal jurisdiction in those courts, unless otherwise required by applicable law.
11. Changes to These Terms
We may revise these Terms at any time without prior notice by posting an updated version to this page. The “Last Updated” date at the top reflects the most recent revision. Your continued use of the Site following any changes constitutes acceptance of the revised Terms.
12. Contact Us
If you have questions about these Terms, please contact:
SOVA Insurance
3440 Hollywood Blvd #415
Hollywood, FL 33021
Florida Agency License #21682435
Phone (FL): (954) 780-6667
Phone (OR): (971) 406-3205
Email: [email protected]
