Author: jbjones

When a Parent Co-Signs and Co-Owns an Adult Child’s Car

When a parent co-signs a car loan for an adult child in Florida, the parent may still have liability exposure if their name is on the vehicle title. This article explains how auto insurance, named insured status, umbrella coverage, uninsured motorist coverage, and vehicle ownership can create coverage gaps and financial risk after an accident. Continue Reading When a Parent Co-Signs and Co-Owns an Adult Child’s Car

Jewelry Insurance vs. Homeowners Rider: Which Fits Your Needs?

Published March 9, 2026, updated May 1, 2026. Introduction Florida homeowners looking to insure jewelry generally have two options: adding a scheduled personal property endorsement to an existing homeowners policy, or purchasing a separate standalone jewelry insurance policy. Each carries distinct coverage terms, cost structures, and claims implications — and the right choice depends on… Continue Reading Jewelry Insurance vs. Homeowners Rider: Which Fits Your Needs?

Recreational Vehicle Insurance: E-Bikes, Golf Carts & More

Recreational Vehicle Insurance: E-Bikes, Golf Carts & More Published: January 13, 2026 Updated: January 26, 2026 Introduction Florida’s year-round sunshine makes it a natural fit for recreational vehicles. From e-bikes on coastal trails to golf carts in planned communities and compact tractors maintaining large properties, these vehicles are part of everyday life for many Florida… Continue Reading Recreational Vehicle Insurance: E-Bikes, Golf Carts & More

Uninsured Motorist Coverage in Florida: Why It Matters

Why Uninsured Motorist Coverage Protects Your Family Introduction Picture this scenario: You’re driving home from work when an uninsured driver runs a red light and crashes into your vehicle. You’re seriously injured, facing mounting medical bills and lost wages. Without uninsured motorist (UM) coverage, you could be left financially vulnerable despite doing nothing wrong. According… Continue Reading Uninsured Motorist Coverage in Florida: Why It Matters

Recent Florida Insurance Penalties: What You Need to Know

Recent Florida Insurance Penalties: What You Need to Know Published November 5, 2025, updated November 6, 2025. Introduction If you live in Florida, you know dealing with insurance companies after a hurricane can be stressful. The good news? Florida regulators are cracking down on insurers who aren’t playing by the rules. Just recently, state regulators… Continue Reading Recent Florida Insurance Penalties: What You Need to Know

AI in Insurance: How Technology Is Changing Coverage in Florida

The Big Picture Artificial intelligence (AI) is changing how Florida insurance companies evaluate risk, price policies, and help customers. From hurricane prediction to faster claims, technology is improving speed and accuracy—but it also raises new questions about fairness and transparency. At Sun Insurance Services in Orlando, we see these changes up close. Our goal is… Continue Reading AI in Insurance: How Technology Is Changing Coverage in Florida