Do I need flood insurance in Florida?

Yes, most Florida homeowners need flood insurance. Standard homeowners insurance policies do not cover flood damage, including storm surge from hurricanes. Florida has more properties at flood risk than any other state. Coverage is available through the National Flood Insurance Program (NFIP) or private flood insurers. Sun Insurance Services helps clients find affordable flood options for both high-risk and moderate-risk zones.

Why are Florida home insurance rates so high?

Florida home insurance rates are among the highest in the country due to hurricane exposure, frequent roof claims, rising reinsurance costs, and a history of insurance litigation. Many national carriers have reduced their Florida presence, leaving the market to regional and surplus lines insurers. Working with an independent agency like Sun Insurance Services allows homeowners to compare rates across many available carriers rather than being limited to a single company.

How can I lower my home insurance premium in Florida?

Several strategies can reduce your Florida home insurance premium. Wind mitigation improvements such as a hip roof, impact windows, or storm shutters can qualify you for significant discounts. Raising your deductible, bundling home and auto policies, and shopping multiple carriers can also lower costs. A wind mitigation inspection report is often required to apply these credits. Sun Insurance Services reviews your coverage and identifies every available discount.

What happens if my home insurance carrier leaves Florida?

If your insurance carrier stops writing policies in Florida or becomes insolvent, you may receive a non-renewal notice and be transitioned to Citizens Property Insurance Corporation, the state-run insurer of last resort. Citizens policies often cost more and have stricter coverage terms than private market options. Sun Insurance Services helps homeowners find private-market alternatives before or after a non-renewal.

Florida Insurance Quotes — Home, Auto, Business, and More

Independent Insurance Agency in Orlando, Florida

Sun Insurance Services is an independent insurance agency in Orlando, Florida, helping residents and business owners compare coverage from dozens of top-rated carriers. As an independent agency, we are not tied to any one company, so we shop the market to find the best combination of price, coverage, and service for each client.

We write personal lines (home, auto, condo, flood, boat, umbrella) and commercial lines (BOP, commercial auto, liability, workers comp) across Florida and in GA, NC, SC, VA, PA, TX, TN, AL, CA, and MI. Clients get fast quotes, plain-English guidance, and agents who answer by name. Call or text (407) 781-1600.

      
 Excellent4.8154 reviews
 4.8
 Excellent154 reviews
  Write a review 
 
 
 
   
 
 
      Posted on Google  
   Elizabeth “Libby” Brooks 
 2 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Donna has been our insurance agent for 20 years now. I trust her completely. She has not only found great, highly affordable policies for us, she helped guide us through the claims process and helped enormously when the insurance company was being extremely difficult to deal with. Donna is the best, hands down!
  
 
     Posted on Google  
   Billy Wilson 
 4 days ago
 
 
 Trustindex verifies that the original source of the review is Google. U praise my damage at $11,000 and Jim Kaufman one of the Sun City people don’t wanna give me my money. I’ve worked my butt off to do everything. I’m a service-connected disabled veteran and I’m trying to do the best I can and all he wants to do is screw me out of my money that it was appraised damage. Y’all gonna do anything I doubt it.  Y’all just screw over veterans after we gave you your freedom so Jim Kaufman is a rip off . They ripoff veterans, and don’t care. Blame this on Jim Kaufman of Sun City
  
 
     Posted on Google  
   James Miller 
 16 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent job. Thank you for all your assistance
  
 
     Posted on Google  
   Patrick Lowe 
 26 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Ive started my own gas and plumbing business recently in Jacksonville and everybody at this company has been amazing. They have answered all of my numerous questions, and get COIs back to me extremely fast. It’s been an absolute pleasure to work with them. If you need an insurance company this is the team to work with.
  
 
     Posted on Google  
   Stella Siracuza 
 29 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent responsiveness, Basically "they have your back"  great agent
  
 
     Posted on Google  
   Patti McCahill 
 35 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Kim is an excellent representative.
  
 
     Posted on Google  
   Gus Bernardo 
 41 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great experience with Sun. My agent Kim is always looking out for me.  She takes all my needs into consideration and finds me the best price.  Never pushy and gives me several options.  Very happy with Sun insurance and my agent Kim.
  
 
     Posted on Google  
   David Seidell 
 44 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Scott is great exceptional service
  
 
     Posted on Google  
   osceola speed tires and wheels (Osceola Speed Tires) 
 47 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Scott and his team are amazing. They provided excellent customer service and great advice. Very professional, knowledgeable and trust worthy. Highly recommeded.
  
 
     Posted on Google  
   Versie 
 49 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Donna is awesome! Helpful and very responsive. She significantly reduced my homeowners pricing. Super impressed. I highly recommend!
  
 
 
  
 
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Home, Auto, Condo, Boat, and Flood Insurance in Florida

Sun Insurance Services helps Florida homeowners, renters, and drivers compare quotes from multiple carriers in minutes. We review your current coverage for gaps, explain what each policy actually covers, and match you with options that fit your budget.

Florida’s insurance market is complex. Rates vary widely by carrier, location, roof age, and construction type. As an independent agency, we have access to dozens of admitted and surplus lines markets, which means more options and better pricing than going direct to a single insurer.

Start a quote online anytime, or call or text (407) 781-1600.

Meet Our Team

Business Insurance in Florida — BOP, Commercial Auto, Liability, and More

Sun Insurance Services helps Florida business owners build complete insurance programs from a single trusted source. We write Business Owners Policies (BOP), commercial property, commercial auto, general liability, umbrella liability, workers compensation, and specialty coverages for a wide range of industries.

As an independent agency, we compare rates across multiple top-rated commercial carriers and tailor coverage to how your business actually operates. Whether you are starting a new policy or reviewing an existing one, we identify gaps and present options that protect your business without overpaying.

Get a quote online, or call or text (407) 781-1600.

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