{"id":243,"date":"2025-03-17T14:52:08","date_gmt":"2025-03-17T14:52:08","guid":{"rendered":"https:\/\/suninsuranceservices.com\/?page_id=243"},"modified":"2026-07-29T15:48:51","modified_gmt":"2026-07-29T19:48:51","slug":"glossary","status":"publish","type":"page","link":"https:\/\/suninsuranceservices.com\/es\/glossary\/","title":{"rendered":"Glosario"},"content":{"rendered":"<style>\n.sun-glossary{--ink:#1f2937;--muted:#6b7280;--card:#f7f6fb;--accent:#f59222;--purple:#4a1a5c;--ring:#e5e7eb;max-width:1200px;margin:auto;padding:42px 20px;color:var(--ink)}\n.sun-glossary h1{text-align:center;color:var(--purple);font-size:clamp(30px,4vw,42px);margin:0 0 10px}\n.sun-glossary .lead{max-width:900px;margin:0 auto 18px;text-align:center;line-height:1.65}\n.sun-glossary .cta{text-align:center;margin:18px 0 28px}\n.sun-glossary .cta a{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:800;padding:12px 20px;border-radius:10px}\n.sun-glossary .controls{display:flex;gap:10px;max-width:820px;margin:0 auto 14px}\n.sun-glossary input{flex:1;padding:13px;border:1px solid var(--ring);border-radius:10px;font-size:16px}\n.sun-glossary button{border:1px solid var(--ring);background:#fff;border-radius:10px;padding:0 16px;font-weight:700;cursor:pointer}\n.sun-glossary .count{text-align:center;color:var(--muted);font-size:13px;margin-bottom:18px}\n.sun-glossary .az{display:flex;flex-wrap:wrap;gap:6px;justify-content:center;margin-bottom:24px}\n.sun-glossary .az a{padding:5px 8px;border:1px solid var(--ring);border-radius:7px;text-decoration:none;color:var(--purple);font-weight:700}\n.sun-glossary .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:16px}\n.sun-glossary .card{background:var(--card);border:1px solid var(--ring);border-radius:14px;padding:18px}\n.sun-glossary .term{margin:0 0 7px;font-size:18px}\n.sun-glossary .definition{margin:0;line-height:1.55}\n.sun-glossary .resources,.sun-glossary .faq{margin-top:38px}\n.sun-glossary details{border:1px solid var(--ring);border-radius:10px;padding:14px 16px;margin:10px 0;background:#fff}\n.sun-glossary summary{cursor:pointer;font-weight:800}\n.sun-glossary .resources ul{columns:2;column-gap:30px}\n@media(max-width:650px){.sun-glossary .controls{flex-direction:column}.sun-glossary .resources ul{columns:1}}\n<\/style>\n<article class=\"sun-glossary\" id=\"florida-insurance-glossary\">\n<h1>Florida Insurance Glossary<\/h1>\n<p class=\"lead\">Plain-English definitions of common Florida homeowners, auto, flood, condo, renters, and business insurance terms. Use the search box to find a term, then follow the related Sun Insurance resources for deeper explanations.<\/p>\n<div class=\"cta\"><a href=\"https:\/\/suninsuranceservices.com\/quote\/?utm_source=glossary&amp;utm_medium=cta&amp;utm_campaign=florida_insurance\">Get a Florida Insurance Quote<\/a><\/div>\n<div class=\"controls\" role=\"search\">\n<label for=\"glossary-filter\" style=\"position:absolute;left:-9999px\">Search the insurance glossary<\/label><br \/>\n<input id=\"glossary-filter\" type=\"search\" placeholder=\"Search: hurricane deductible, PIP, flood, umbrella...\"><br \/>\n<button type=\"button\" id=\"glossary-reset\">Clear<\/button>\n<\/div>\n<div id=\"glossary-count\" class=\"count\" aria-live=\"polite\"><\/div>\n<div class=\"az\"><a href=\"#letter-A\" data-letter=\"A\">A<\/a><a href=\"#letter-B\" data-letter=\"B\">B<\/a><a href=\"#letter-C\" data-letter=\"C\">C<\/a><a href=\"#letter-D\" data-letter=\"D\">D<\/a><a href=\"#letter-E\" data-letter=\"E\">E<\/a><a href=\"#letter-F\" data-letter=\"F\">F<\/a><a href=\"#letter-H\" data-letter=\"H\">H<\/a><a href=\"#letter-I\" data-letter=\"I\">I<\/a><a href=\"#letter-L\" data-letter=\"L\">L<\/a><a href=\"#letter-N\" data-letter=\"N\">N<\/a><a href=\"#letter-O\" data-letter=\"O\">O<\/a><a href=\"#letter-P\" data-letter=\"P\">P<\/a><a href=\"#letter-R\" data-letter=\"R\">R<\/a><a href=\"#letter-S\" data-letter=\"S\">S<\/a><a href=\"#letter-U\" data-letter=\"U\">U<\/a><a href=\"#letter-W\" data-letter=\"W\">W<\/a><\/div>\n<div class=\"grid\" id=\"glossary-grid\">\n<article class=\"card\" id=\"actual-cash-value-acv\" data-term=\"actual cash value acv depreciation property claim\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Actual Cash Value (ACV)<\/h2>\n<p class=\"definition\" itemprop=\"description\">The value of property after depreciation is considered. ACV settlements can be lower than replacement-cost settlements for the same damaged property.<\/p>\n<\/article>\n<article class=\"card\" id=\"additional-living-expense-ale\" data-term=\"ale additional living expense loss of use hotel temporary housing\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Additional Living Expense (ALE)<\/h2>\n<p class=\"definition\" itemprop=\"description\">Coverage that may help pay increased living costs when a covered loss makes a residence unfit to live in, subject to policy limits and conditions.<\/p>\n<\/article>\n<article class=\"card\" id=\"additional-insured\" data-term=\"additional insured liability endorsement contract business\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Additional Insured<\/h2>\n<p class=\"definition\" itemprop=\"description\">A person or organization added to certain liability coverage because of a business or contractual relationship with the named insured. The scope depends on the endorsement.<\/p>\n<\/article>\n<article class=\"card\" id=\"business-owner-s-policy-bop\" data-term=\"bop business owners policy commercial property liability\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Business Owner\u2019s Policy (BOP)<\/h2>\n<p class=\"definition\" itemprop=\"description\">A commercial package that commonly combines property and liability coverage for eligible small or midsize businesses. Eligibility and included coverages vary by insurer.<\/p>\n<\/article>\n<article class=\"card\" id=\"citizens-property-insurance\" data-term=\"citizens property insurance florida residual market depopulation\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Citizens Property Insurance<\/h2>\n<p class=\"definition\" itemprop=\"description\">Florida\u2019s residual property insurer. Eligibility depends on Florida law, Citizens rules, available private-market offers, and the type of property being insured.<\/p>\n<\/article>\n<article class=\"card\" id=\"collision-coverage\" data-term=\"collision auto physical damage crash deductible\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Collision Coverage<\/h2>\n<p class=\"definition\" itemprop=\"description\">Auto physical-damage coverage that may pay for eligible damage to your insured vehicle caused by a collision or upset, subject to the deductible and policy terms.<\/p>\n<\/article>\n<article class=\"card\" id=\"commercial-auto-insurance\" data-term=\"commercial auto business vehicle liability\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Commercial Auto Insurance<\/h2>\n<p class=\"definition\" itemprop=\"description\">Insurance for eligible vehicles and driving exposures used in a business. Coverage can include liability, physical damage, uninsured motorist, and other options depending on the policy.<\/p>\n<\/article>\n<article class=\"card\" id=\"commercial-general-liability-cgl\" data-term=\"general liability cgl business bodily injury property damage\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Commercial General Liability (CGL)<\/h2>\n<p class=\"definition\" itemprop=\"description\">Business liability coverage that may respond to covered third-party bodily injury, property damage, personal and advertising injury, and certain completed-operations claims.<\/p>\n<\/article>\n<article class=\"card\" id=\"comprehensive-coverage\" data-term=\"comprehensive auto theft flood weather physical damage\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Comprehensive Coverage<\/h2>\n<p class=\"definition\" itemprop=\"description\">Auto physical-damage coverage for many non-collision losses, such as theft, vandalism, fire, falling objects, and certain weather-related damage, subject to the policy.<\/p>\n<\/article>\n<article class=\"card\" id=\"coverage-a-dwelling\" data-term=\"coverage a dwelling homeowners rebuild\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Coverage A &#8211; Dwelling<\/h2>\n<p class=\"definition\" itemprop=\"description\">The homeowners coverage section for the insured dwelling. The limit should reflect the policy\u2019s valuation method and the amount needed to rebuild the covered structure, not its market value.<\/p>\n<\/article>\n<article class=\"card\" id=\"coverage-b-other-structures\" data-term=\"coverage b other structures detached garage shed fence\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Coverage B &#8211; Other Structures<\/h2>\n<p class=\"definition\" itemprop=\"description\">Homeowners coverage for eligible structures separated from the dwelling, such as a detached garage, shed, or fence. Limits vary by policy.<\/p>\n<\/article>\n<article class=\"card\" id=\"coverage-c-personal-property\" data-term=\"coverage c personal property contents belongings\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Coverage C &#8211; Personal Property<\/h2>\n<p class=\"definition\" itemprop=\"description\">Homeowners or renters coverage for eligible belongings, subject to limits, exclusions, and special limits that may apply to categories such as jewelry or collectibles.<\/p>\n<\/article>\n<article class=\"card\" id=\"coverage-d-loss-of-use\" data-term=\"coverage d loss of use ale\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Coverage D &#8211; Loss of Use<\/h2>\n<p class=\"definition\" itemprop=\"description\">Homeowners coverage that may help with additional living expenses and certain lost rental income after a covered loss, subject to policy terms and limits.<\/p>\n<\/article>\n<article class=\"card\" id=\"coverage-e-personal-liability\" data-term=\"coverage e personal liability homeowners\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Coverage E &#8211; Personal Liability<\/h2>\n<p class=\"definition\" itemprop=\"description\">Homeowners liability coverage that may respond when an insured is legally responsible for covered bodily injury or property damage to another person.<\/p>\n<\/article>\n<article class=\"card\" id=\"coverage-f-medical-payments-to-others\" data-term=\"coverage f medical payments others home\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Coverage F &#8211; Medical Payments to Others<\/h2>\n<p class=\"definition\" itemprop=\"description\">Homeowners coverage that may pay certain medical expenses for eligible people injured on the insured premises or because of certain insured activities, generally without requiring a liability determination.<\/p>\n<\/article>\n<article class=\"card\" id=\"cyber-insurance\" data-term=\"cyber insurance data breach ransomware business interruption\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Cyber Insurance<\/h2>\n<p class=\"definition\" itemprop=\"description\">Commercial insurance that may cover certain data-breach response costs, cyber extortion, data restoration, business interruption, privacy liability, network-security liability, and related expenses, depending on the policy.<\/p>\n<\/article>\n<article class=\"card\" id=\"declarations-page\" data-term=\"declarations page dec page limits deductible named insured\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Declarations Page<\/h2>\n<p class=\"definition\" itemprop=\"description\">The policy summary showing key information such as named insureds, property or vehicles, coverage limits, deductibles, forms, endorsements, and policy dates.<\/p>\n<\/article>\n<article class=\"card\" id=\"deductible\" data-term=\"deductible out of pocket percentage claim\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Deductible<\/h2>\n<p class=\"definition\" itemprop=\"description\">The amount or percentage of an eligible covered loss that the insured is responsible for before insurance pays according to the policy.<\/p>\n<\/article>\n<article class=\"card\" id=\"endorsement\" data-term=\"endorsement rider policy change\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Endorsement<\/h2>\n<p class=\"definition\" itemprop=\"description\">A form that changes the terms of an insurance policy by adding, removing, or modifying coverage, conditions, exclusions, or limits.<\/p>\n<\/article>\n<article class=\"card\" id=\"exclusion\" data-term=\"exclusion not covered policy\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Exclusion<\/h2>\n<p class=\"definition\" itemprop=\"description\">A policy provision identifying property, causes of loss, situations, people, or types of damage that are not covered or are limited.<\/p>\n<\/article>\n<article class=\"card\" id=\"flood-insurance\" data-term=\"flood insurance nfip private rising water storm surge\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Flood Insurance<\/h2>\n<p class=\"definition\" itemprop=\"description\">Separate coverage for qualifying flood losses. Standard homeowners policies generally do not cover flood, including many losses caused by rising water or storm surge.<\/p>\n<\/article>\n<article class=\"card\" id=\"flood-zone\" data-term=\"flood zone fema map ae x\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Flood Zone<\/h2>\n<p class=\"definition\" itemprop=\"description\">A FEMA flood-map designation used to describe flood risk. Flood risk exists outside high-risk zones, so zone designation alone does not determine whether flood insurance is useful.<\/p>\n<\/article>\n<article class=\"card\" id=\"fr-44\" data-term=\"fr44 florida financial responsibility dui auto\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">FR-44<\/h2>\n<p class=\"definition\" itemprop=\"description\">A Florida financial-responsibility filing associated with certain serious driving offenses. Required limits and filing periods depend on the driver\u2019s circumstances and Florida law.<\/p>\n<\/article>\n<article class=\"card\" id=\"hurricane-deductible\" data-term=\"hurricane deductible florida homeowners percentage\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Hurricane Deductible<\/h2>\n<p class=\"definition\" itemprop=\"description\">A separate deductible that may apply to covered hurricane losses under a Florida residential property policy. Florida law regulates the deductible options and when a hurricane deductible applies.<\/p>\n<\/article>\n<article class=\"card\" id=\"inland-marine\" data-term=\"inland marine tools equipment portable property\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Inland Marine<\/h2>\n<p class=\"definition\" itemprop=\"description\">Coverage for certain movable, portable, specialized, or transported property, such as contractor equipment, tools, valuable articles, or property away from a fixed business location.<\/p>\n<\/article>\n<article class=\"card\" id=\"insurance-limit\" data-term=\"insurance limit coverage maximum aggregate occurrence\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Insurance Limit<\/h2>\n<p class=\"definition\" itemprop=\"description\">The maximum amount an insurer may pay for a particular coverage, loss, occurrence, person, item, or policy period, subject to the policy terms.<\/p>\n<\/article>\n<article class=\"card\" id=\"loss-assessment-coverage\" data-term=\"loss assessment condo hoa coverage\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Loss Assessment Coverage<\/h2>\n<p class=\"definition\" itemprop=\"description\">Condo or homeowners coverage that may help pay an insured\u2019s share of certain assessments charged by an association after a qualifying covered loss, subject to the policy and applicable law.<\/p>\n<\/article>\n<article class=\"card\" id=\"named-insured\" data-term=\"named insured declarations policy\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Named Insured<\/h2>\n<p class=\"definition\" itemprop=\"description\">A person or organization specifically identified as an insured on the policy declarations. Rights and responsibilities can differ from those of other insured persons.<\/p>\n<\/article>\n<article class=\"card\" id=\"ordinance-or-law-coverage\" data-term=\"ordinance law code upgrade building code\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Ordinance or Law Coverage<\/h2>\n<p class=\"definition\" itemprop=\"description\">Property coverage that may help pay certain increased rebuilding costs required by current building codes after a covered loss. Limits and triggers vary by policy.<\/p>\n<\/article>\n<article class=\"card\" id=\"personal-injury-protection-pip\" data-term=\"pip personal injury protection florida no fault 10000\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Personal Injury Protection (PIP)<\/h2>\n<p class=\"definition\" itemprop=\"description\">Florida no-fault auto coverage that provides statutory medical, disability, and death benefits for eligible people after a motor-vehicle accident. Florida law currently provides up to $10,000 in medical and disability benefits, subject to statutory requirements.<\/p>\n<\/article>\n<article class=\"card\" id=\"peril\" data-term=\"peril cause of loss fire wind theft\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Peril<\/h2>\n<p class=\"definition\" itemprop=\"description\">A cause of loss, such as fire, wind, theft, or lightning. Whether a peril is covered depends on the policy form, exclusions, and endorsements.<\/p>\n<\/article>\n<article class=\"card\" id=\"premium\" data-term=\"premium insurance cost rate\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Premium<\/h2>\n<p class=\"definition\" itemprop=\"description\">The amount charged for insurance coverage. Premium is affected by the type of risk, limits, deductibles, location, claims history, rating factors, and carrier underwriting.<\/p>\n<\/article>\n<article class=\"card\" id=\"replacement-cost\" data-term=\"replacement cost rcv depreciation\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Replacement Cost<\/h2>\n<p class=\"definition\" itemprop=\"description\">A valuation method that generally does not subtract depreciation from the cost to repair or replace covered property, subject to policy terms, limits, and conditions.<\/p>\n<\/article>\n<article class=\"card\" id=\"roof-age\" data-term=\"roof age florida homeowners underwriting inspection\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Roof Age<\/h2>\n<p class=\"definition\" itemprop=\"description\">The age of a property\u2019s roof. In Florida, roof age, material, condition, remaining useful life, inspections, and documentation can affect property-insurance eligibility and pricing.<\/p>\n<\/article>\n<article class=\"card\" id=\"scheduled-personal-property\" data-term=\"scheduled personal property jewelry appraisal valuables\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Scheduled Personal Property<\/h2>\n<p class=\"definition\" itemprop=\"description\">An endorsement or separate coverage that specifically lists valuable property such as jewelry, fine art, collectibles, or certain equipment, often with different limits or coverage terms.<\/p>\n<\/article>\n<article class=\"card\" id=\"sinkhole-coverage\" data-term=\"sinkhole coverage florida catastrophic ground cover collapse\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Sinkhole Coverage<\/h2>\n<p class=\"definition\" itemprop=\"description\">Coverage for qualifying sinkhole loss. Florida property policies distinguish catastrophic ground cover collapse from broader sinkhole loss coverage, and available options vary by policy and insurer.<\/p>\n<\/article>\n<article class=\"card\" id=\"sr-22\" data-term=\"sr22 florida financial responsibility filing\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">SR-22<\/h2>\n<p class=\"definition\" itemprop=\"description\">A financial-responsibility filing that an insurer may submit for a driver when required by Florida law. It is not itself an insurance policy.<\/p>\n<\/article>\n<article class=\"card\" id=\"storm-surge\" data-term=\"storm surge flood hurricane coastal\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Storm Surge<\/h2>\n<p class=\"definition\" itemprop=\"description\">An abnormal rise in coastal water associated with a storm. Storm-surge damage is generally treated as flood rather than wind damage under standard homeowners insurance.<\/p>\n<\/article>\n<article class=\"card\" id=\"sublimit\" data-term=\"sublimit insurance limit jewelry cyber\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Sublimit<\/h2>\n<p class=\"definition\" itemprop=\"description\">A smaller limit that applies to a specific type of property, expense, or loss within a policy\u2019s broader coverage limit.<\/p>\n<\/article>\n<article class=\"card\" id=\"umbrella-insurance\" data-term=\"umbrella excess liability home auto business\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Umbrella Insurance<\/h2>\n<p class=\"definition\" itemprop=\"description\">Liability coverage designed to provide additional limits above qualifying underlying policies and, in some cases, broader coverage subject to its own terms and exclusions.<\/p>\n<\/article>\n<article class=\"card\" id=\"underinsured-motorist-uim\" data-term=\"underinsured motorist uim florida auto\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Underinsured Motorist (UIM)<\/h2>\n<p class=\"definition\" itemprop=\"description\">Coverage that may protect insured people when an at-fault driver has bodily injury liability insurance but not enough to cover qualifying damages. Florida commonly addresses UM and UIM together under uninsured motorist coverage.<\/p>\n<\/article>\n<article class=\"card\" id=\"uninsured-motorist-um\" data-term=\"uninsured motorist um florida auto\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Uninsured Motorist (UM)<\/h2>\n<p class=\"definition\" itemprop=\"description\">Coverage that may protect insured people legally entitled to recover damages from an uninsured or underinsured motorist. Florida law requires qualifying insurers to offer UM coverage unless it is rejected or lower limits are selected in writing.<\/p>\n<\/article>\n<article class=\"card\" id=\"water-backup-coverage\" data-term=\"water backup sewer drain sump endorsement\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Water Backup Coverage<\/h2>\n<p class=\"definition\" itemprop=\"description\">Coverage often added by endorsement for certain water damage caused by backup through sewers or drains or overflow from a sump. It is different from flood insurance.<\/p>\n<\/article>\n<article class=\"card\" id=\"wind-mitigation-inspection\" data-term=\"wind mitigation inspection florida credits roof straps shutters\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Wind Mitigation Inspection<\/h2>\n<p class=\"definition\" itemprop=\"description\">A Florida inspection documenting wind-resistant construction features such as roof geometry, roof-to-wall connections, roof-deck attachment, and opening protection that may qualify for property-insurance credits when applicable.<\/p>\n<\/article>\n<article class=\"card\" id=\"workers-compensation-insurance\" data-term=\"workers compensation florida employee injury business\" itemscope itemtype=\"https:\/\/schema.org\/DefinedTerm\">\n<h2 class=\"term\" itemprop=\"name\">Workers\u2019 Compensation Insurance<\/h2>\n<p class=\"definition\" itemprop=\"description\">Coverage that can provide statutory benefits for eligible work-related injuries or occupational illnesses. Florida coverage requirements depend on industry, employee count, ownership, and exemptions.<\/p>\n<\/article>\n<\/div>\n<section class=\"resources\">\n<h2>Related Florida Insurance Guides<\/h2>\n<ul>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-homeowners-insurance\/?utm_source=glossary&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Homeowners Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-auto-insurance\/?utm_source=glossary&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Auto Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-flood-insurance-orlando\/?utm_source=glossary&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Flood Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-condo-insurance\/?utm_source=glossary&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Condo Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/business-in-florida\/?utm_source=glossary&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Business Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-workers-compensation-insurance-for-businesses\/?utm_source=glossary&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Workers\u2019 Compensation Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/cyber-insurance-for-small-businesses-sun-insurance-services\/?utm_source=glossary&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Cyber Insurance for Small Businesses<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-insurance-faq\/?utm_source=glossary&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Insurance FAQ<\/a><\/li>\n<\/ul>\n<\/section>\n<section class=\"faq\" id=\"faq\">\n<h2>Florida Insurance Glossary FAQ<\/h2>\n<details>\n<summary>Does homeowners insurance cover hurricane damage in Florida?<\/summary>\n<p>Homeowners insurance may cover qualifying wind damage caused by a hurricane, subject to the policy\u2019s covered-peril language, exclusions, limits, and hurricane deductible. Flood and storm surge are generally separate flood exposures.<\/p>\n<\/details>\n<details>\n<summary>Does homeowners insurance cover flood damage?<\/summary>\n<p>Standard homeowners insurance generally does not cover flood. Flood insurance is usually purchased separately through the National Flood Insurance Program or a private flood insurer.<\/p>\n<\/details>\n<details>\n<summary>What is PIP in Florida auto insurance?<\/summary>\n<p>Personal Injury Protection is Florida no-fault auto coverage providing statutory medical, disability, and death benefits to eligible people after a motor-vehicle accident, subject to Florida law and policy terms.<\/p>\n<\/details>\n<details>\n<summary>What is the difference between replacement cost and actual cash value?<\/summary>\n<p>Replacement cost generally values covered property without subtracting depreciation, while actual cash value generally reflects depreciation. The policy determines which valuation applies and what conditions must be met.<\/p>\n<\/details>\n<details>\n<summary>What is an insurance endorsement?<\/summary>\n<p>An endorsement changes the policy by adding, removing, or modifying coverage, conditions, exclusions, limits, or other terms.<\/p>\n<\/details>\n<details>\n<summary>What is the difference between a deductible and a coverage limit?<\/summary>\n<p>A deductible is the insured\u2019s share of an eligible covered loss before insurance pays according to the policy. A coverage limit is the maximum amount the insurer may pay for a particular coverage, subject to policy terms.<\/p>\n<\/details>\n<\/section>\n<section style=\"margin-top:38px;text-align:center\">\n<h2>Need Help With an Insurance Term?<\/h2>\n<p>Sun Insurance Services, Inc.<br \/>7680 Universal Blvd Suite 198, Orlando, FL 32819<br \/>\n<a href=\"tel:+14077811600\"><strong>Call or Text (407) 781-1600<\/strong><\/a><\/p>\n<p><link data-noptimize=\"1\" data-no-optimize=\"1\" data-no-minify=\"1\" data-no-defer=\"1\" rel=\"stylesheet\" href=\"https:\/\/cdn.trustindex.io\/assets\/widget-presetted-css\/v2\/14-ligth-border.css\" media=\"all\"><pre class=\"ti-widget\"><div style=\"opacity: 0; height: 0 !important; overflow: hidden !important\" class=\" ti-widget ti-no-profile-img \" data-layout-id=\"14\" data-layout-category=\"slider\" data-set-id=\"ligth-border\" data-pid=\"ffa796354707667abb9699ee0e2\" data-language=\"en\" data-close-locale=\"Close\" data-time-locale=\"%d %s ago|today|day|days|week|weeks|month|months|year|years\" data-review-target-width=\"300\" data-css-version=\"2\" data-review-text-mode=\"popup\" data-reply-by-locale=\"Owner's reply\" data-only-rating-locale=\"This user only left a rating.\" data-pager-autoplay-timeout=\"4\" data-slider-loop=\"1\" > <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-widget-header\"> <div class=\"ti-header-content source-Google ti-active\"> <div class=\"ti-header-logo\"> <img decoding=\"async\" class=\"ti-header-logo-img skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/logo.svg\" loading=\"lazy\" alt=\"Google\" width=\"150\" height=\"21\" \/> <\/div> <div class=\"ti-header-rating-text\"><span class=\"ti-rating-text\">Excellent<\/span><span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span><span class=\"ti-header-rating\">4.8<\/span><span class=\"ti-header-rating-reviews\">152 reviews<\/span><\/div> <div class=\"ti-header-rating-text ti-mobile\"><span class=\"ti-header-rating\">4.8<\/span><span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span><\/div> <div class=\"ti-header-rating-text ti-mobile\"><span class=\"ti-rating-text\">Excellent<\/span><span class=\"ti-header-rating-reviews\">152 reviews<\/span><\/div> <div class=\"ti-header-write-btn-container\"> <a href=\"https:\/\/admin.trustindex.io\/api\/googleWriteReview?place-id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" class=\"ti-header-write-btn\" role=\"button\" aria-label=\"Write a review to Google\" target=\"_blank\" rel=\"noopener nofollow\" >Write a review<\/a> <\/div> <\/div> <div class=\"ti-widget-header-tick\"><\/div> <\/div> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"Next review\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Previous review\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\"> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1789420132\" data-id=\"8b527ec8ee9500f0441a10aecb5e39a9\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Elizabeth \u201cLibby\u201d Brooks <\/div> <div class=\"ti-date\">1 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">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!<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1788209185\" data-id=\"187f7a4042f3526213255690a5481a17\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> James Miller <\/div> <div class=\"ti-date\">15 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Excellent job. Thank you for all your assistance<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1787339807\" data-id=\"72b3d8abbd166f80bd1ceda60e2c5b94\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Patrick Lowe <\/div> <div class=\"ti-date\">25 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">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\u2019s been an absolute pleasure to work with them. If you need an insurance company this is the team to work with.<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1787079801\" data-id=\"403746e1b4a077990d916b9e3c34db98\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Stella Siracuza <\/div> <div class=\"ti-date\">28 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Excellent responsiveness, Basically \"they have your back\"  great agent<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1786567565\" data-id=\"a8da782425aca457a7ea3dafc3416db5\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Patti McCahill <\/div> <div class=\"ti-date\">34 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Kim is an excellent representative.<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1786053342\" data-id=\"aa91b87d8393d678ce3ac71cd568085d\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Gus Bernardo <\/div> <div class=\"ti-date\">40 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">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.<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785801725\" data-id=\"aaebc44cf764b5f5109cd497f51d909f\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> David Seidell <\/div> <div class=\"ti-date\">43 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Scott is great exceptional service<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785523760\" data-id=\"f0ea4865bce591e0ddc0d11b5786e39d\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> osceola speed tires and wheels (Osceola Speed Tires) <\/div> <div class=\"ti-date\">46 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Scott and his team are amazing. They provided excellent customer service and great advice. Very professional, knowledgeable and trust worthy. Highly recommeded.<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785350871\" data-id=\"bd9a69b27fa4976b8111c2ca7c289527\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Versie <\/div> <div class=\"ti-date\">48 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Donna is awesome! Helpful and very responsive. She significantly reduced my homeowners pricing. Super impressed. I highly recommend!<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <div class=\"ti-review-item source-Google ti-image-layout-thumbnail\" data-platform-page-url=\"https:\/\/www.google.com\/maps\/search\/?api=1&amp;query=Google&amp;query_place_id=ChIJ0a0cNKp_54gRARyuHt5rX3M\" data-time=\"1785190859\" data-id=\"5718bf14b062fa6f9e90c6531b00d2e6\" data-language=\"en\" data-rating=\"5.0\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\"> <div class=\"ti-platform-icon ti-with-tooltip\"> <span class=\"ti-tooltip\">Posted on Google<\/span> <img decoding=\"async\" class=\"skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/icon.svg\" alt=\"Google\" width=\"20\" height=\"20\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Queens Nicky <\/div> <div class=\"ti-date\">50 days ago<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 1\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 2\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 3\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 4\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img decoding=\"async\" class=\"ti-star f skip-lazy\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google star 5\" width=\"17\" height=\"17\" loading=\"lazy\" \/><span class=\"ti-verified-review ti-verified-platform ti-color-green\"><span class=\"ti-verified-tooltip\">Trustindex verifies that the original source of the review is Google.<\/span><\/span><\/span> <div class=\"ti-review-text-container ti-review-content\">Cant say enough about the team from the top (Patrick Brandt CEO)to the botttom they go the extra mile for you. I had an issue with my Insurance Carrier and they stepped in and went to bat for me and my family. Donna Mixon has been my agent for years, she is always prompt and professional. Highly recommend the team at Sun Insurance Services!<\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Hide\" data-open-text=\"Read more\" ><\/span> <\/div> <\/div> <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div> <div class=\"ti-verified-by ti-verified-by-row\" data-style=\"1\"> <div class=\"ti-inner\"> Verified by Trustindex <span class=\"ti-info-icon\"><\/span> <div class=\"ti-disclaimer\">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. <a href=\"https:\/\/www.trustindex.io\/?a=sys&c=verified-badge&url=\/the-trustindex-verified-badge\/\" target=\"_blank\">Read more<\/a><\/div> <\/div> <\/div> <\/div> <\/div> <\/pre><style class=\"scss-content\">.ti-widget[data-layout-id='14'][data-set-id='ligth-border'][data-pid='ffa796354707667abb9699ee0e2'] .ti-widget-container .ti-date{color:#8a8a8a}.ti-widget[data-layout-id='14'][data-set-id='ligth-border'][data-pid='ffa796354707667abb9699ee0e2'] .ti-review-content{height:65.25px !important;-webkit-line-clamp:3}.ti-widget[data-layout-id='14'][data-set-id='ligth-border'][data-pid='ffa796354707667abb9699ee0e2'] .ti-ai-summary-item .ti-review-content{-webkit-line-clamp:4;height:89px !important}<\/style><script>\n(function () { if (window.tiLoaderFallback) { return; } window.tiLoaderFallback = true; function tiLoadLoader() { if (window.TrustindexWidget || document.querySelector('script[src*=\"https:\/\/cdn.trustindex.io\/loader.js\"]')) { return; } let script = document.createElement(\"script\"); script.async = true; script.src = \"https:\/\/cdn.trustindex.io\/loader.js\"; script.setAttribute(\"data-ccm-injected\", \"1\"); document.head.appendChild(script); } if (\"loading\" === document.readyState) { document.addEventListener(\"DOMContentLoaded\", tiLoadLoader); } else { tiLoadLoader(); } })();\n<\/script>\n<br \/>\n<\/section>\n<\/article>\n<p><script>\n(function(){\n const input=document.getElementById('glossary-filter');\n const reset=document.getElementById('glossary-reset');\n const cards=[...document.querySelectorAll('#glossary-grid .card')];\n const count=document.getElementById('glossary-count');\n function update(){\n   const q=(input.value||'').toLowerCase().trim();\n   let n=0;\n   cards.forEach(c=>{\n     const show=!q||(c.dataset.term+' '+c.textContent).toLowerCase().includes(q);\n     c.style.display=show?'':'none';\n     if(show)n++;\n   });\n   count.textContent=q?`${n} term${n===1?'':'s'} match \"${input.value}\"`:`Showing all ${cards.length} terms`;\n }\n input.addEventListener('input',update);\n reset.addEventListener('click',()=>{input.value='';update();input.focus();});\n document.querySelectorAll('.az a').forEach(a=>a.addEventListener('click',e=>{\n   e.preventDefault();\n   input.value='^'+a.dataset.letter;\n   const letter=a.dataset.letter;\n   cards.forEach(c=>{c.style.display=c.querySelector('.term').textContent.trim().startsWith(letter)?'':'none';});\n   const n=cards.filter(c=>c.style.display!=='none').length;\n   count.textContent=`${n} term${n===1?'':'s'} starting with ${letter}`;\n }));\n update();\n})();\n<\/script><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"DefinedTermSet\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/glossary\/#glossary\",\n      \"name\": \"Florida Insurance Glossary\",\n      \"url\": \"https:\/\/suninsuranceservices.com\/glossary\/\",\n      \"hasDefinedTerm\": [\n        {\n          \"@type\": \"DefinedTerm\",\n          \"name\": \"Actual Cash Value (ACV)\",\n          \"description\": \"The value of property after depreciation is considered. 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Coverage can include liability, physical damage, uninsured motorist, and other options depending on the policy.\",\n          \"url\": \"https:\/\/suninsuranceservices.com\/glossary\/#commercial-auto-insurance\"\n        },\n        {\n          \"@type\": \"DefinedTerm\",\n          \"name\": \"Commercial General Liability (CGL)\",\n          \"description\": \"Business liability coverage that may respond to covered third-party bodily injury, property damage, personal and advertising injury, and certain completed-operations claims.\",\n          \"url\": \"https:\/\/suninsuranceservices.com\/glossary\/#commercial-general-liability-cgl\"\n        },\n        {\n          \"@type\": \"DefinedTerm\",\n          \"name\": \"Comprehensive Coverage\",\n          \"description\": \"Auto physical-damage coverage for many non-collision losses, such as theft, vandalism, fire, falling objects, and certain weather-related damage, subject to the policy.\",\n          \"url\": \"https:\/\/suninsuranceservices.com\/glossary\/#comprehensive-coverage\"\n        },\n        {\n          \"@type\": \"DefinedTerm\",\n          \"name\": \"Coverage A - Dwelling\",\n          \"description\": \"The homeowners coverage section for the insured dwelling. 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Rights and responsibilities can differ from those of other insured persons.\",\n          \"url\": \"https:\/\/suninsuranceservices.com\/glossary\/#named-insured\"\n        },\n        {\n          \"@type\": \"DefinedTerm\",\n          \"name\": \"Ordinance or Law Coverage\",\n          \"description\": \"Property coverage that may help pay certain increased rebuilding costs required by current building codes after a covered loss. Limits and triggers vary by policy.\",\n          \"url\": \"https:\/\/suninsuranceservices.com\/glossary\/#ordinance-or-law-coverage\"\n        },\n        {\n          \"@type\": \"DefinedTerm\",\n          \"name\": \"Personal Injury Protection (PIP)\",\n          \"description\": \"Florida no-fault auto coverage that provides statutory medical, disability, and death benefits for eligible people after a motor-vehicle accident. Florida law currently provides up to $10,000 in medical and disability benefits, subject to statutory requirements.\",\n          \"url\": \"https:\/\/suninsuranceservices.com\/glossary\/#personal-injury-protection-pip\"\n        },\n        {\n          \"@type\": \"DefinedTerm\",\n          \"name\": \"Peril\",\n          \"description\": \"A cause of loss, such as fire, wind, theft, or lightning. Whether a peril is covered depends on the policy form, exclusions, and endorsements.\",\n          \"url\": \"https:\/\/suninsuranceservices.com\/glossary\/#peril\"\n        },\n        {\n          \"@type\": \"DefinedTerm\",\n          \"name\": \"Premium\",\n          \"description\": \"The amount charged for insurance coverage. 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