A simple Florida-focused guide to inspections, discounts, and upgrades. When you’re ready, at Sun Insurance we will run quotes that factor in every eligible credit. Kim OsburnPersonal Lines Insurance Agentsuninsuranceservices.com/kim407-781-1620 • kim@suninsuranceservices.com What’s Inside What Is Windstorm Mitigation—and Why It Matters Windstorm mitigation means building features that stand up to hurricane-force winds—things like roof deck… Continue Reading Florida Homeowners Windstorm Mitigation: Lower Your Insurance by 10–45%+
Author: jbjones
Does Your Auto Insurance Cover Flood Damage? A Complete Guide for Florida Drivers
Florida floods fast — and most drivers don’t realize standard auto insurance doesn’t cover water damage. You’ll need comprehensive coverage to protect your vehicle from flooding, hurricanes, and other natural disasters. Continue Reading Does Your Auto Insurance Cover Flood Damage? A Complete Guide for Florida Drivers
How to Maximize Your Savings When Florida Homeowners Insurance Rates Drop
Homeowners across Florida are seeing rare relief as insurance rates drop—some by as much as 8%. Learn how to use this window to strengthen coverage, lower deductibles, and maximize savings. Sun Insurance Services explains how Central Florida homeowners can act now to lock in value while maintaining strong protection. Continue Reading How to Maximize Your Savings When Florida Homeowners Insurance Rates Drop
Making Sense of Florida’s Insurance Crisis: What a Former Lawmaker Really Means
Florida homeowners reviewing hurricane insurance options after reading Don Brown’s commentary on the state’s insurance crisis. Continue Reading Making Sense of Florida’s Insurance Crisis: What a Former Lawmaker Really Means
NFIP Shutdown: How Florida Homeowners Can Navigate Coverage Gaps
NFIP Shutdown: How Florida Homeowners Can Navigate Coverage Gaps Updated October 2, 2025 — The National Flood Insurance Program (NFIP) shutdown has been active for just over one full day. Introduction The National Flood Insurance Program (NFIP) officially shut down just over a day ago, placing Florida homeowners and buyers in a precarious position during… Continue Reading NFIP Shutdown: How Florida Homeowners Can Navigate Coverage Gaps
Workers’ Compensation Insurance for Roofers and Small Trade Contractors in Florida: What You Need to Know
Introduction Running a roofing company or small trade business in Florida comes with unique challenges. Between the physical risks of the job and the strict state regulations, workers’ compensation insurance is one of the most important coverages you can have. In fact, Florida singles out construction trades—including roofing, carpentry, drywall, HVAC, painting, and more—as high-risk… Continue Reading Workers’ Compensation Insurance for Roofers and Small Trade Contractors in Florida: What You Need to Know
Commercial Insurance for Construction and Contracting Businesses: A Complete Guide
Running a construction business in Florida comes with risk. One accident, claim, or equipment theft can put your livelihood on the line. At Sun Insurance Services, we help contractors secure affordable, trade-specific insurance so you can focus on winning projects — not worrying about coverage gaps. Get protected today with commercial insurance designed for construction… Continue Reading Commercial Insurance for Construction and Contracting Businesses: A Complete Guide
Citizens Insurance Depopulation: Your Guide to Loggerhead Replacement Options
Citizens Depopulation: Loggerhead Replacement Guide Florida homeowners are receiving Citizens depopulation notices in large numbers. If you live in Orlando, Fort Myers, or anywhere in the state, you may have seen a letter saying your Citizens policy will be moved to Loggerhead Insurance. These letters can be confusing. Knowing why this happens—and what it means… Continue Reading Citizens Insurance Depopulation: Your Guide to Loggerhead Replacement Options
Understanding Homeowners Insurance Rate Changes: What Every Florida Homeowner Should Know
Homeowners insurance rates can seem like a mystery, fluctuating up and down based on factors that aren’t always clear to policyholders. Recent positive news about HO3 rate decreases in Central Florida provides an excellent opportunity to explain how insurance rates work and what drives these changes. Understanding these dynamics can help you make better decisions… Continue Reading Understanding Homeowners Insurance Rate Changes: What Every Florida Homeowner Should Know
Florida’s Insurance Market Shows Strong Recovery: 15 New Companies Enter Since Reforms
Florida Insurance Market Transformation Florida homeowners have reason for optimism as the state’s insurance market continues its remarkable recovery. With Vision Insurance Exchange becoming the 15th new insurance company to receive permits since legislative reforms in 2022 and 2023, the market is showing clear signs of stabilization and growth. What’s Driving New Insurance Companies to… Continue Reading Florida’s Insurance Market Shows Strong Recovery: 15 New Companies Enter Since Reforms