Sterling Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Our Overall Sterling Insurance Company Score
4 Stars
We award Sterling Insurance Company a final rating of 4 out of 5 stars. The carrier has a long history in the property and casualty market, insuring both traditional and specialty risks. Its high rating from AM Best speaks to its unquestionable financial strength — one of the most important factors in choosing an insurance company.
The carrier offers a variety of personal and commercial insurance products, including homeowners, landlord packages, dwelling fire, mobile homeowners, personal automobile, personal umbrella, business owners, special multi-peril, and commercial fire. It prides itself on offering personal service via its extensive network of independent insurance agents in New York. The company also promises prompt claims resolutions.
Founded in 1895, Sterling Insurance Company is a market for average and above-average risks. However, coverage is currently only available in one state. If you reside or own a business in New York, we recommend looking into Sterling Insurance Company with your independent insurance agent to be your next trusted carrier.
Sterling Insurance Company Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Sterling Insurance Company Products by Type
Sterling Insurance Company offers a variety of coverage solutions for individuals and businesses. Its products include:
Home & Property Insurance:
- Homeowners insurance
- Tenant homeowners insurance
- Landlord insurance
- Dwelling fire insurance
- Mobile home insurance
- Renters insurance
Other Personal Insurance:
- Equestrian estate insurance
- Umbrella insurance
Business Insurance:
- Business owners insurance
Vehicle & Auto Insurance:
- Personal auto insurance
Sterling Insurance Company Homeowners Insurance
Sterling Insurance Company provides all the standard homeowners insurance coverages you'd expect to find in a policy, such as personal liability, dwelling, contents, and loss of use. The carrier also offers many optional enhancements to increase your coverage, including protection for scheduled personal property, underground utility lines, and more. A few of Sterling's other coverage enhancements are detailed below.
Coverage types, features, and benefits:
Seasonal & Airbnb Rentals
Sterling provides optional home insurance protection for residences used as seasonal or Airbnb rentals. This coverage lasts up to three months.
Identity theft
Sterling offers optional identity theft protection for homeowners. This coverage can reimburse you for costs associated with cyber-attacks or data breaches that lead to identity theft.
Equipment breakdown
Sterling also offers optional coverage for equipment breakdown. This coverage can pay to replace or repair many major appliances within the home, such as washers and dryers, if they experience a mechanical failure or another covered loss.
Sterling Insurance Company Homeowners Insurance Average Prices
Sterling Insurance Company doesn't provide its average home insurance rates without requesting a quote through an agent. However, an independent insurance agent can find quotes for coverage from Sterling Insurance Company for you.
Sterling Insurance Company Auto Insurance
Sterling Insurance Company provides all the standard auto insurance coverages you'd expect to find in a policy as well, such as collision, comprehensive, and liability. Customers can also get personal injury protection (PIP) coverage or uninsured/underinsured motorist coverage. A few other optional car insurance coverage options from Sterling are outlined below.
Coverage types, features, and benefits:
Glass
Sterling's optional glass coverage can pay to repair or replace your vehicle's windshield or windows if they get damaged or destroyed due to a covered peril, such as vandalism.
Rental and transportation expense
Sterling's optional rental and transportation expense coverage can reimburse policyholders for costs associated with rental cars and other transportation services if they break down or otherwise get stranded while on the road due to a covered loss.
Towing
Sterling's optional towing coverage can reimburse policyholders for professional towing services if their vehicle breaks down while on the road.
Sterling Insurance Company Auto Insurance Average Prices
Sterling Insurance Company doesn't provide its average car insurance rates without requesting a quote through an agent. However, an independent insurance agent can find quotes for coverage from Sterling Insurance Company for you.
What Discounts Does Sterling Insurance Company Offer?
Sterling Insurance offers several discounts for its auto and homeowners insurance customers. The carrier's discounts are as follows:
| Home Insurance Discounts: | Auto Insurance Discounts: |
|---|---|
| Home/auto package discount: Bundling multiple policies with Sterling Insurance can qualify you for this discount. | Defensive driver discount: This discount may be awarded upon completing a defensive driving course. |
| Homes under 30 years old discount: If your home was built within the past 30 years, you could be eligible for savings on your homeowners premium. | Good student discount: Full-time high school or college students who maintain a B average or better are eligible for this Sterling Insurance discount. |
| Security system discount: Having a home with a local or central station alarm may make you eligible for a discount on your home insurance with Sterling. | Home/auto package discount: If you buy multiple lines of insurance through Sterling, such as car and home, you may be eligible for savings on both policies. |
| Hardwired generator discount: Homes with a hardwired backup generator may qualify for lower home insurance premiums. | Multi-car discount: Insuring at least two cars through Sterling Insurance can qualify you for this discount. |
| Low temperature/water leak alarm discount: Homes with monitors and alerts for low temperatures and water leaks that could damage plumbing and other systems may be eligible for a special discount. | Safety feature discount: If you have safety features, such as airbags, anti-lock brakes, passive restraints, and/or anti-theft devices in your vehicle, you may be eligible for a discount on your premium. |
An independent insurance agent can provide better discount information and premium quotes for coverage through Sterling Insurance Company. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Sterling Insurance Customer Service
Sterling Insurance Company emphasizes phone claims reporting and encourages customers to report to local independent insurance agents for customer service matters. Customers can contact Sterling in the following ways:
- Independent agent email directory
- Weekend/after-hours claims reporting by phone direct to Sterling
- Independent agent customer service hours vary
- Customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 7:30 a.m. - 4:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
The best way to handle your Sterling Insurance customer service needs is to work with an independent insurance agent. Independent insurance agents help make customer service easier by handling claims, policy changes, and other concerns for you.
Connect with a Sterling Agent Today.
Shopping for insurance? Sterling has you covered.
Sterling Insurance Company FAQs
The carrier promises to respond to claims “quickly and fairly.” No specific response time is reported.
Sterling encourages customers to contact their local independent insurance agent to make changes to coverage or obtain information about their policies. Customers must speak to their agent to make any changes in coverage.
A directory of independent agent contact information is provided on the company’s website. An email contact form can be used to contact Sterling Insurance Company directly. Losses that occur on holidays or weekends can be reported via a toll-free phone line.
Customers should contact their independent agent immediately to report a claim. Agent contact information is provided on the Sterling website. If a loss occurs on a weekend or holiday, call the carrier’s toll-free number and follow the prompts to speak with an after-hours representative.
Sterling’s official website is clear and easy to navigate but does not offer much detail about the carrier’s policy information, customer service capabilities, or claims reporting. The insurance company offers a useful independent agent locator and contact directory. The carrier also has an extensive social media presence across Facebook, LinkedIn, X, and Instagram, making it more accessible to customers.
Sterling provides a good selection of coverage options for individuals and businesses, including auto insurance. Available auto coverages include the following:
- Collision coverage
- Comprehensive coverage
- Glass coverage
- Rental car coverage/transportation expense
- Towing coverage
- Liability coverage
- Personal injury protection
- Uninsured and underinsured motorist coverage
Your independent insurance agent can help you find even more information about Sterling’s car insurance, as well as the carrier’s many other coverage options.
Sterling was founded in 1895, giving it well over a century of experience in providing property coverage in New York. It began selling auto insurance in 1989, giving it decades of experience in that line of business, as well. Sterling has received a high rating from AM Best and provides a comprehensive and stable set of property and casualty policies for traditional and specialty risks. Overall, Sterling is a good insurance company.
Sterling's insurance products may be right for residents and business owners located in the state of New York. If you're in need of personal or business insurance in New York, ask your independent insurance agent about Sterling Insurance Company.
https://www.sterlingins.com
https://www.linkedin.com/company/sterlinginsny/about/
https://www.bbb.org/us/ny/cobleskill/profile/insurance-companies/sterling-insurance-co-0041-21001072
https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=872&AltNum=2082872&AltSrc=3
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