Florida Insurance Articles & Coverage Guides
Browse our Florida insurance articles for clear, agent-written answers about home, auto, flood, business, and life coverage. Sun Insurance Services is an independent agency in Orlando, FL — we represent multiple carriers so you get unbiased guidance. Questions? Call or text (407) 781-1600.
What Our Florida Insurance Articles Cover
Each Florida insurance article on this page is written or reviewed by a licensed agent. Topics include:
- Home insurance in Florida — hurricane coverage, roof requirements, Citizens vs. private market, and how to lower your premium.
- Auto insurance in Florida — PIP requirements, uninsured motorist coverage, and what full coverage actually means in FL.
- Flood insurance — NFIP vs. private flood, what’s not covered by your homeowners policy, and FEMA flood zone basics.
- Business insurance — general liability, commercial property, workers’ comp requirements under Florida Statute 440, and BOP policies.
Florida insurance regulations are managed by the Florida Department of Financial Services (DFS) and the Florida Office of Insurance Regulation (OIR). Our articles reference current statutes and carrier guidelines so the information stays accurate and useful.
Have a coverage question? Our Orlando agents can help.
Latest Florida Insurance Articles
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Does Florida Homeowners Insurance Cover Water Damage?
Does Florida homeowners insurance cover water damage? Compare burst pipes, slow leaks, roof leaks, flooding, water backup, and policy limits. Continue Reading…
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Florida Home Insurance Rates | Sun Insurance Services
Florida home insurance rates are shifting in 2026. Learn what is driving the change, what it means for your renewal, and how…
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AI-Powered Malware: Cyber Risks for Florida Small Businesses and Nonprofits
How AI-powered cyberattacks affect Florida businesses and nonprofits, steps to reduce risk, and where cyber insurance may help. Continue Reading AI-Powered Malware:…
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Can You Drive Your Spouse’s Car If You Live in Different States?
If spouses live in different states, can one drive the other’s car? Learn how regular drivers, permissive use, garaging and auto coverage…
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Sun Insurance Services Featured in National Report on AI in Insurance
Sun Insurance Services CMO Jamie Jones was featured in a national P&C Specialist article on how AI is changing the insurance industry…
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LLC Named Insured Rental Property | Sun Insurance Services
If you own and manage a multifamily rental property through an LLC in Florida, you may want to discuss whether your personal…
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E&O Insurance Florida | Sun Insurance Services
Florida service business owners often ask whether E&O insurance is necessary. Learn what errors and omissions coverage may include, who typically needs…
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Pet Business Insurance Florida | Sun Insurance Services
Florida pet business owners running pet sitting, dog walking, or selling handmade pet treats need several types of commercial insurance. Learn what…
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Small Business Insurance Florida | Sun Insurance Services
A Florida small business owner starting a retail shop may need general liability, commercial property, or cyber liability insurance. Learn what coverages…
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Contractor Insurance Florida: What New LLCs Need to Know
New Florida LLC? Learn what contractor insurance you actually need to get started. Explore general liability, workers comp, commercial auto, and more…
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Could Wave-Shaped Buildings Reduce Hurricane Damage in Florida?
Florida university engineers are studying wave-shaped roofs and walls that reduce wind pressure. What could this mean for hurricane damage and homeowners…
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Workers Comp Insurance Broker | Sun Insurance Services
Should Florida small business owners get workers comp through a payroll provider or an independent insurance broker? Here is what to consider…
Not finding the Florida insurance article you need?
Sun Insurance Services is an independent agency serving Orlando and all of Florida. We shop multiple carriers to find the right coverage at the right price for home, auto, flood, and business insurance.