Personal Insurance

Protect your biggest assets against loss due to accidents, theft, flood, fire and more. Protect the people and property that you work so hard for and care about so much.

At Sun Insurance Services, we help you secure everything that matters most in life with reliable personal insurance policies and peace of mind.

We believe knowledge is power and we want to help you understand the details and importance of coverage options such as personal injury protection or uninsured motorist for drivers, cost of house, personal property or other structures for homeowners, or increased liability protection under an umbrella policy (excess liability).

At Sun Insurance Services we can help you protect what matters most. Request a quote online for a quick, no-obligation estimate of your insurance costs. If you prefer to call us or come by our offices, we would love to see you!

Auto Insurance

As your leading Florida insurance professionals, we are dedicated to bringing you the most comprehensive and affordable Florida auto insurance – without the complications of your ordinary insurance company.

Sun Insurance Services continues to build a FL insurance community whose goal is to improve the coverage we secure our clients. We are proud of the superior customer support and top-quality insurance strategies we bring to our customers across the state. We love that we can go beyond the standard insurance offering and secure you trustworthy Florida auto insuranceyou can truly rely on!

Orlando car insurance, and insurance throughout Florida can protect you from loss in the event of an accident – which is why it is crucial that you enroll in an efficient auto coverage plan.

At Sun Insurance Services we strive to supply you with as many options as possible; thus enabling our comprehensive insurance strategies to provide you with the opportunity to custom build a policy that meets all of your Florida car insurance requirements.

We offer the following options for your Florida auto insurance:

  • Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
  • Medical or Personal Injury Protection – covers treatment of the driver and passengers of the policyholder’s car in the event of an accident.
  • Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.
  • Collision – insures the policyholder from loss during a collision with another vehicle or object.
  • Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.
  • Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.

We understand that all of these options can sometimes be overwhelming, you want to make sure that you’re fully covered for a variety of auto risks—yet you want to keep premiums and expenses in mind. That’s why our agents are dedicated to helping you find the best Orlando FL auto insurance solution—and at Sun Insurance we make you, and your unique needs, our number one priority.

Feel free to call us with any and all of your questions regarding Orlando car insurance and beyond! Our expert agents look forward to helping you find the most affordable Florida auto insurance quotes!

Homeowners Insurance

Find Out How Our Clients Save Up to 30% on Florida home insurance

As your premier Orlando Florida insurance agency, we know that finding the perfect Florida home insurance package isn’t necessarily easy; that’s why at Sun Insurance Services we are dedicated to being your insurance ally!

At Sun Insurance Services we are committed to helping you navigate through one of the most critical policy decisions you will have to make during your lifetime. In order to secure you the most appropriate and efficient coverage, it’s important to us that we take the time to truly understand your unique insurance needs—because let’s face it, every home and Florida homeowner is unique—so why shouldn’t your policy be?

As one of Florida’s leading independent insurance brokers we have the ability to shop multiple carriers nationwide, in order to get you the best possible home insurance in Orlando and across this great state!

Typical coverage packages – for Florida home insurance can include protection for the following:

  • The physical structure of your home
  • Replacement cost
  • Personal possessions
  • Additional living expense (in the event of covered loss or a natural disaster)
  • Liability

Debating the need for a bit more security? Need specialty coverage added, for unique exposures vulnerable within your typical Orlando homeowners insurance policy? Then don’t hesitate to ask one of our expert insurance professionals about further coverage options you can purchase to enhance your Orlando home insurance plan! Supplemental policies, that can add that extra degree of protection, include:

  • Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
  • Flood Insurance policies
  • Earthquake insurance policies
  • Umbrella Insurance policies (additional liability)
  • Animal Liability (liability issues due to household pets)

At Sun Insurance Services, we know what may work for one Florida homeowner, won’t necessarily work for you. Give us a call today, to learn more about our all-encompassing FL home insurance policies. One of our dedicated agents would be happy to provide you with a thorough coverage evaluation as well as offer you a free Florida home insurance quote right now!

Flood Insurance

Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through Sun Insurance Services can protect you.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of policies are available based on your property’s location and flood history:

  • Standard Flood Insurance PoliciesIf you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.
  • Preferred Risk Flood Insurance PoliciesIf your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don’t wait until it’s too late. Contacting Sun Insurance today will get you on the path to flood protection with an affordable and comprehensive insurance policy.

Life Insurance

At Sun Insurance Services our team is happy to go far beyond being simple Florida insurance agents – we aim to be the insurance leaders you trust to protect what truly matters most – your life.

From providing you with reliable Florida auto insurance, home and business coverage, we are prepared and awaiting the chance to take it to the next level by insuring your most valuable commodity, your life.

We know that finding the right Florida life insurance program can get confusing – and even a bit overwhelming at times. From having to weigh the pros and cons of term life insurance versus whole, universal and variable and beyond – it’s easy to get lost amongst the terminology and coverage differences.

That’s exactly why we at Sun Insurance want to be more than just your insurance provider, we want to be your trusted coverage ally and friend. By helping you navigate your way through one of the most crucial policy decisions you will ever have to make in your lifetime; we vow to secure you a tailored Orlando life insurance plan you can rely on.

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. At Sun Insurance Services we want to help you determine which Florida life insurance policy type is right for you! Our dedicated team of FL life insurance experts understands Florida’s market and regulations and can find the right plan – or mixture of options – that fit your individual needs.

Term Life Insurance Basics:

  • Coverage for a “term” or period of your life.
  • Lower premiums for higher coverage.
  • Rates can change after specific terms expire.
  • No equity – cannot be used as cash value.

Whole Life Insurance Basics:

  • Exactly like it says – permanent, not for a specific period.
  • Protection carries with you your whole life.
  • Can build equity and have cash value.
  • Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

  • Build lifelong base of whole live coverage.
  • Supplement specific times of your life with term insurance.

When to choose term life?

Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it may make more sense to have a term life policy that covers the mortgage and living requirements until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.

When to choose whole life?

Whole life can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Often times whole life policies will pay dividends – although not always.

With a variety of alternatives and policy possibilities it’s understandable that you may feel a bit anxious. But remember, FL life insurance is all about you, and you are certainly worth insuring!

Give us a call and let one of our expert Orlando life insurance specialists get you started on the right path. Contact Sun Insurance Services for more information and get a free Florida life insurance quote today!

Personal Umbrella Insurance

What is Umbrella Insurance?

Umbrella Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Basically, Umbrella Insurance policies protect you from liability issues that go beyond the liability limits of standard insurance policies, such as your homeowner’s insurance, car insurance, etc. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.

What does Umbrella Insurance cover?

Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance kicks in when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your regular insurance policies.

Why should you purchase Umbrella Insurance?

You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry about liability costs in the future. Contact Sun Insurance Services today for more information on umbrella policies and get a free online quote!

Condo Insurance

Get a Florida Condo Insurance Quote and Start Saving Today!

We know that designing an effective Florida condo insurance package that matches your individual needs, takes time and effort—not to mention someone who actually understands the insurance industry.

It just so happens that we at Sun Insurance Services are one of Florida’s leading insurance specialists, and we pride ourselves in the ability to help condo owners access the coverage they both need and deserve.

Condo insurance is a specific insurance policy designed to fit the unique needs of condo owners.
Many confuse FL condo insurance with a renter’s policy, because in fact both can personal property and liability protection;
however, condo owners need to take into consideration the additional coverage that may be needed for the building based on their condominium association’s overall master policy.

Typically your condo association will insure the building based on one of two approaches: bare walls or single entity.
A “bare walls” approach means that the association will insure only the building including walls, the roof, floors, elevators, etc.
The association is not responsible for insuring anything inside your unit such as appliances, cabinets, carpeting, wallpaper, plumbing, electrical wiring, etc.
In comparison a “single entity” coverage plan means that your condo association will insure the building as well as particular fixtures inside of your unique unit including carpeting, cabinets and appliances.
However, it’s important to remember that in both scenarios you are still left responsible for your own personal belongings and possessions.

So how do you determine how much coverage you need?

Keep in mind that you’ve worked hard to create a safe, inviting home—and you’ve also worked hard for what’s inside.
Whether it’s your new high-definition T.V. or a family heirloom passed down among generations, your possessions are valuable.

When considering the level of security you want to get from you Florida condo insurance, ask yourself:

  • What is the association’s responsible for insuring?
  • What am I responsible for insuring?
  • How much coverage do I need for my possessions?
  • Do I have replacement cost or actual cash value coverage for my possessions?
  • Are there policy limits for my valuables? Should I purchase more coverage for those items?
  • Do I need earthquake or flood coverage for my unit or possessions?

Thankfully, Sun Insurance Services is here to help.
We all these questions and varying degrees of liability and responsibility, it’s easy to feel a bit overwhelmed.
At Sun Insurance Services we’ll take the time to help you determine exactly the amount of coverage you need, and will help to secure it at the most competitive rates available.

Give us a call, we’d love to help. Contact Sun Insurance Services today for more information on your Florida condo insurance options.

Dwelling Fire (Investment Property) Insurance

At Sun Insurance Services, our dedicated agents make choosing Dwelling Fire Insurance easy.
We analyze your needs and explain your options in a clear, understandable way while saving you time and money in the process.
Sun Insurance Services makes it quick and easy to find the Dwelling Fire policy you need at the rate you deserve.

Dwelling Fire Insurance coverage can protect your rental property from fire damage and yourself from legal and personal liability.
With Dwelling Fire Insurance through Sun Insurance Services, you can rent your property out with confidence.

  • Dwelling Fire policies cover houses and structures that are NOT occupied by the owner
  • A homeowners insurance policy will NOT cover damages to a home that the policy holder is not living in
  • Dwelling Fire insurance covers all fixed structures such as the home itself, the foundation, cabinets, walls, countertops, etc.
  • Most dwelling fire policies DO NOT cover personal property because the policy holder is not an occupant of the home
    Dwelling fire policies can be written for other structures on the property also such as sheds, unattached garages, barns, pagodas, greenhouses
  • If a fire leaves your rental home uninhabitable, a dwelling fire policy will cover up to a year’s rent for the vacancy

Sun Insurance Services will shop the top carriers in the country to find you a dwelling fire policy that is both affordable and reliable.

Renters Insurance

At Sun Insurance Services, we want to ensure that our clients are effectively covered in all aspects of their lives—no matter where they live or what kind of car they drive. That’s why our team is committed to developing efficient insurance strategies such as our inclusive Florida renters insurance.

Florida residents should understand, that generally speaking, renters insurance acts as a homeowners insurance policy for those who rent—and inevitably can help protect you and your assets. Having renters insurance can also help to mediate the cost of damages should anything happen to a rental property that you are living in.

Do not make the mistake of assuming your landlord’s home insurance will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property—not your belongings. If the person who owns the building has Florida rental property insurance they will be protected from costs to them should something happen to the building, but they are not responsible for insuring your belongings.

At Sun Insurance Services, we can protect your personal assets and belongings by securing a policy that is designed especially for tenants.

Most often, FL renters insurance covers your possessions for common causes of loss, additional living expenses related to making other living arrangements, medical expenses for treating people injured on your premises as well as unfortunate lawsuits.

There certainly is a lot to think about when it comes to determining the exact coverage you need and want from your renters insurance. Orlando clients, as well as our additional clients throughout the state will benefit from working with our expert FL renters insurance specialists, who are here to help you distinguish the risk exposures you face and ensure that you are perfectly prepared.

Contact Sun Insurance Services today for more information and fill out our free Florida renters insurance quote form!

Watercraft/Boat Insurance

When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Whether you prefer a simple boat, Jet Ski, luxury yacht or catamaran, this most important thing is that your watercraft allows you to get away from all the stress and pressure of the mainland and kick back by yourself or with good friends.

Your watercraft is something you’ve come to know, love and appreciate—it would be hard to picture your life without it. At Sun Insurance Services, we make sure that you enjoy your time on the water without having to worry about what could go wrong. It just some happens that our agency specializes in writing insurance policies for various watercraft, so you can be certain that we will provide you with the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.

Our Florida boat insurance plans can provide you with coverage for your boat, Jet Ski, luxury yacht or catamaran against many different types of loss. We offer:

Physical Damage Whole Coverage

This coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in.

Liability Coverage

If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. You can choose a lot of liability coverage or a little – it’s up to you. We’ll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.

Medical Payments Coverage

We offer medical coverage that can cover your eligible medical expenses if you get hurt when on the water.

Whether you’re a lifelong water lover or just getting started, it’s always a good idea to take a close look at your new or existing FL boat insurance policy. We can help. Simply fill out our quick and simple online form to learn how Sun Insurance can keep you safe and secure with an Orlando boat insurance policy and extensive watercraft coverage.

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free Florida boat insurance quote? Protecting your boat, Jet Ski, luxury yacht or catamaran has never been easier with Sun Insurance Services. Happy boating!

Motorcycle Insurance

Selecting your motorcycle is a big decision. Protecting your motorcycle is easy.

Whether you’re a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policy offers protection for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.

All you need to do is choose the type of coverage and deductibles that best cover your motorcycle and your lifestyle, and we’ll do the rest. We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them most. We hope you never have a bad day, but if you do, our motorcycle insurance coverage is designed to help turn a very bad day around.

And no doubt you’ll qualify for some of our discounts that will make your Florida motorcycle insurance premiums even lower. We want you to enjoy your ride with the peace of mind that comes from knowing you’re covered.

You may qualify for a number of discounts including:

  • Insuring more than one motorcycle
  • Mature riders
  • Renewals
  • Credit for qualified safety courses
  • Multi-policies with our company

Discounts that could significantly lower your insurance premium aren’t the only reason to place your policy with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We’ll help you design a policy to meet your needs as a proud motorcycle owner. We’ll show you what coverage may be available and how to get the personalized protection you need.

Even if you’ve been riding for years, it’s a good idea to take a close look at your motorcycle insurance coverage. Things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle.

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Regardless of the type of motorcycle rider you are we quote motorcycle insurance for every lifestyle. Why not get started today and save with a free motorcycle insurance quote?

Recreational Vehicle (RV) Insurance

Buying and owning an RV is a dream-come-true for many travelers across the country. An RV opens up the door to America allowing vacationers to see the many splendors and sights our great nation has to offer. Whether you are climbing a winding road in the Rockies, trudging through the hot desert of the southwest or heading to the Nation’s Capitol, an RV can get you there.

Your new RV comes with a responsibility to protect and secure it from the dangers of America’s roadways. RV insurance coverage with Sun Insurance Services will protect your traveling companions and assets while you are on the road.

RVs are used for a variety of purposes. Your RV insurance premiums will vary depending on the type and amount of usage you get out of your vehicle. Contact us, Sun Insurance Services, for an evaluation of your RV needs. Get a free Florida RV quote on your first or next RV insurance policy!

Off-Road Insurance

Let’s face it, off road vehicles are fun. Off road vehicle insurance is a critical tool to make sure you keep them fun. Whether you are a recreational ATV rider, or use your side-by-side to manage miles of fence line, having it damaged, wrecked, or stolen can cause loss of time and money. We can provide different types of off road vehicle insurance to cover different types of vehicle needs.

ATV Insurance:

All Terrain Vehicles, Quad, Four Wheelers: whatever name you call it, the fun is still just as good. If you’re using it as a weekend cruiser, running around the farm, or taking it hunting – having your ATV is a lot of fun, but it’s also a big investment. What happens if it’s sitting in the garage and a poorly placed battery ruins the gas tank and engine? Does your homeowner insurance cover it? What if you’re not on your property and have an accident? Are you or your ATV covered? Even worse, if someone steals it from your backyard, or it’s hit while waiting to load your quad onto the trailer at your favorite trail – how are you going to replace it?

If you’re lucky enough to have a State-managed four wheeler trail network you’re most likely going to need insurance for your quad to ride on State land. We can help with all of these scenarios.

Dirt Bike Insurance:

Race on the weekend at your local track? Ride recreationally? An off road motorcycle is a big investment too. Many people who compete in enduro rides have to be registered and insured – even hare scrambles can require coverage for your motorcycle. If you participate in activities where coverage is required, or want to protect your investment we can design the right policy to protect your dirt bike too.

Side-by-side and Full size 4wd Insurance:

Many of the vehicles that never see pavement, or aren’t registered, are of high value. You wouldn’t buy an $8,000 car and not insure it, but would you buy a side-by-side and leave it uninsured? If you’re a rock crawler why wouldn’t you protect your $30,000 toy from liability, uninsured accidents, and theft? If it falls off a trailer, will you pay damages out of pocket? If your Jeep rolls over and damages someone else’s vehicle, who will cover those damages? Many off road toys are high value, high investment, but owners simply don’t think they need coverage because they’re not on the road. Don’t leave your side-by-side, Jeep, or buggy vulnerable to anything other than the trails you’re on.

To make sure your buggy, quad, side-by-side, bike, or other off road vehicle you own is protected… contact us for a free quote today!

Wedding Insurance

Most people don’t bat an eye at insuring a car or home, but what about insurance for your wedding? Your wedding day is arguably one of the most important days of your life; it only makes sense that you would ensure that nothing goes wrong that can be avoided. If four days before your wedding, you find out that the bridal boutique where you had your dress custom-made has closed shop and has taken your money and your dress along with them, who pays? Who is to blame when you, your new husband, and your wedding guests show up at your reception venue only to find that the caterers had the wrong date?

If you have a wedding insurance policy, the only person who needs to worry about these problems is your insurance agency. Though the idea of insuring your wedding does sound strange, it is becoming increasingly popular given the unsettled feelings brides have with the reliability of businesses given today’s shaky economy. Purchasing wedding insurance can protect you from the following:

  • Bankruptcy of a business
  • Natural disasters
  • Ruined photos
  • Damaged tuxedos and/or dresses
  • Lost wedding rings
  • Military deployment
  • Sudden illness
  • And more…

Don’t leave your big day to chance! At Sun Insurance Services, we understand the importance of these moments in your life. To learn more about our comprehensive and affordable wedding insurance options, contact us today, or get a free wedding insurance quote right now!

Pet Insurance

Routine pet care can be pricey- but if your furry friend gets sick, surgery and medication costs can be astronomical. Based on new technology, pets can now receive many of the same treatments humans do if they fall ill. If your dog gets cancer, radiation is an option. If your cat has kidney issues, you can consider opting for a transplant. Although cancer and organ failure used to be sure death sentences for your pet, procedures that can prolong the life of your companion are now available- commonly ranging from $1,000 to upwards of $5,000.

Florida pet insurance from Sun Insurance Services can help lessen the blow of the costs associated with keeping your animal healthy. A standard FL pet insurance policy typically includes caps, co-pays, and deductibles. The cap on your coverage usually dictates how much will be paid out per year. Additionally, a pet insurance policy usually does not cover pre-existing conditions like hip-dysplasia or hereditary maladies. And if you are looking to purchase coverage for your pet, it is best to invest when they’re young- the older the animal, the higher their insurance costs will typically be.

Contact us to learn more or purchase an affordable Florida pet insurance plan today!