{"id":58,"date":"2025-03-10T19:30:29","date_gmt":"2025-03-10T19:30:29","guid":{"rendered":"https:\/\/suninsuranceservices.com\/faq-page\/"},"modified":"2026-07-29T15:40:06","modified_gmt":"2026-07-29T19:40:06","slug":"florida-insurance-faq","status":"publish","type":"page","link":"https:\/\/suninsuranceservices.com\/es\/florida-insurance-faq\/","title":{"rendered":"Preguntas frecuentes"},"content":{"rendered":"<article class=\"sun-money-page\">\n<section id=\"hero\">\n<h1>Florida Insurance FAQ<\/h1>\n<p>Get clear answers to common Florida insurance questions about homeowners, flood, condo, renters, auto, boat, business, workers\u2019 compensation, and cyber insurance.<\/p>\n<p>Sun Insurance Services is an independent Orlando insurance agency serving clients throughout Florida. We compare coverage options from multiple carriers and help clients understand deductibles, limits, exclusions, inspections, underwriting requirements, and coverage gaps.<\/p>\n<p><a href=\"#questions\" class=\"wp-element-button\">Browse Florida Insurance Questions<\/a><\/p>\n<p><a href=\"tel:+14077811600\"><strong>Call or Text (407) 781-1600<\/strong><\/a><\/p>\n<\/section>\n<section id=\"quick-links\">\n<h2>Florida Insurance Topics<\/h2>\n<ul>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-homeowners-insurance\/?utm_source=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Homeowners Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-flood-insurance-orlando\/?utm_source=insurance_faq&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=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Condo Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/renters-insurance-in-florida\/?utm_source=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Renters Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-auto-insurance\/?utm_source=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Auto Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-boat-insurance\/?utm_source=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Boat Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/business-in-florida\/?utm_source=insurance_faq&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=insurance_faq&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=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Cyber Insurance for Florida Businesses<\/a><\/li>\n<\/ul>\n<\/section>\n<section id=\"questions\">\n<h2>General Florida Insurance Questions<\/h2>\n<details>\n<summary><strong>Why choose an independent insurance agent in Florida?<\/strong><\/summary>\n<p>An independent insurance agency can compare coverage from multiple insurance companies rather than offering only one carrier. That can give Florida consumers more options for eligibility, deductibles, limits, endorsements, and price.<\/p>\n<\/details>\n<details>\n<summary><strong>What information do I need for an insurance quote?<\/strong><\/summary>\n<p>Depending on the coverage, you may need names, addresses, contact information, property details, vehicle and driver information, prior insurance, claims history, current limits, mortgage or lienholder information, and requested effective dates.<\/p>\n<\/details>\n<details>\n<summary><strong>How often should I review my insurance policies?<\/strong><\/summary>\n<p>Review coverage at least annually and whenever there is a major change such as a home purchase, renovation, new roof, new vehicle, new driver, business change, property purchase, major asset acquisition, or change in liability exposure.<\/p>\n<\/details>\n<details>\n<summary><strong>How do I report an insurance claim?<\/strong><\/summary>\n<p>Claims can usually be reported directly to the insurance carrier using the claims contact information on the policy or carrier website. Sun Insurance Services can also help clients locate the appropriate carrier contact and understand the next steps.<\/p>\n<\/details>\n<h2>Florida Homeowners &#038; Flood Insurance FAQ<\/h2>\n<details>\n<summary><strong>What does Florida homeowners insurance usually cover?<\/strong><\/summary>\n<p>A standard homeowners policy commonly includes dwelling, other structures, personal property, loss of use, personal liability, and medical payments coverage, subject to the policy terms, exclusions, deductibles, and limits.<\/p>\n<\/details>\n<details>\n<summary><strong>Does homeowners insurance cover flooding in Florida?<\/strong><\/summary>\n<p>Standard homeowners policies generally do not cover flood damage. Flood insurance is usually purchased separately through the National Flood Insurance Program or a private flood insurer.<\/p>\n<\/details>\n<details>\n<summary><strong>What is a hurricane deductible?<\/strong><\/summary>\n<p>Florida residential property policies may apply a hurricane deductible to covered hurricane losses rather than the standard all-other-perils deductible. The deductible amount and when it applies depend on the policy and Florida law.<\/p>\n<\/details>\n<details>\n<summary><strong>Can a wind mitigation inspection lower my homeowners premium?<\/strong><\/summary>\n<p>Qualifying wind mitigation features can make a Florida home eligible for premium credits or discounts. The actual savings depend on the home&#8217;s features, insurer, policy, and current rating plan.<\/p>\n<\/details>\n<details>\n<summary><strong>Does roof age affect Florida homeowners insurance?<\/strong><\/summary>\n<p>Yes. Roof age, material, condition, remaining useful life, and documentation can affect eligibility, inspections, underwriting, and premium. Requirements vary by insurer.<\/p>\n<\/details>\n<h2>Florida Condo &#038; Renters Insurance FAQ<\/h2>\n<details>\n<summary><strong>Do condo owners in Florida need their own insurance?<\/strong><\/summary>\n<p>A condominium association&#8217;s master policy does not replace a unit owner&#8217;s HO-6 policy. Unit owners should review coverage for personal property, portions of the unit they are responsible for, liability, loss of use, and loss assessment.<\/p>\n<\/details>\n<details>\n<summary><strong>What is loss assessment coverage for a Florida condo owner?<\/strong><\/summary>\n<p>Florida residential condominium unit-owner policies must include at least $2,000 of property loss-assessment coverage for qualifying assessments arising from the same covered direct property loss, subject to statutory conditions and policy terms.<\/p>\n<\/details>\n<details>\n<summary><strong>Why should Florida renters carry renters insurance?<\/strong><\/summary>\n<p>Renters insurance can protect personal property, provide personal liability coverage, and help with additional living expenses after certain covered losses. Landlords may also require tenants to maintain coverage.<\/p>\n<\/details>\n<h2>Florida Auto Insurance FAQ<\/h2>\n<details>\n<summary><strong>What affects my Florida auto insurance premium?<\/strong><\/summary>\n<p>Insurers may consider factors such as driving history, location, vehicle, annual mileage, household drivers, prior insurance, claims history, selected limits, deductibles, and other rating factors permitted by law.<\/p>\n<\/details>\n<details>\n<summary><strong>What is the difference between collision and comprehensive coverage?<\/strong><\/summary>\n<p>Collision generally covers eligible damage to your vehicle from a collision or upset. Comprehensive generally covers eligible non-collision losses such as theft, vandalism, fire, falling objects, and certain weather-related damage.<\/p>\n<\/details>\n<details>\n<summary><strong>What is uninsured motorist coverage in Florida?<\/strong><\/summary>\n<p>Uninsured and underinsured motorist coverage can protect insured people who are legally entitled to recover damages from an uninsured or underinsured driver. Florida law requires insurers issuing qualifying bodily injury liability coverage to offer UM coverage unless the named insured rejects it or selects lower limits in writing.<\/p>\n<\/details>\n<details>\n<summary><strong>Does auto insurance cover a flooded vehicle?<\/strong><\/summary>\n<p>Flood or rising-water damage to a vehicle is generally handled under comprehensive coverage when that coverage is carried and the loss is otherwise covered by the policy.<\/p>\n<\/details>\n<h2>Florida Business Insurance FAQ<\/h2>\n<details>\n<summary><strong>What business insurance does a Florida business need?<\/strong><\/summary>\n<p>Coverage depends on the operation. Florida businesses commonly review general liability, commercial property, workers&#8217; compensation, commercial auto, professional liability, cyber insurance, inland marine, product liability, and umbrella or excess liability.<\/p>\n<\/details>\n<details>\n<summary><strong>When is workers&#8217; compensation required in Florida?<\/strong><\/summary>\n<p>Florida construction employers with one or more employees generally need workers&#8217; compensation coverage. Non-construction employers generally need coverage with four or more employees. Agriculture has separate thresholds, and valid exemptions can affect the count.<\/p>\n<\/details>\n<details>\n<summary><strong>What does cyber insurance cover?<\/strong><\/summary>\n<p>Cyber insurance may cover certain breach-response expenses, data restoration, cyber extortion, business interruption, privacy liability, network-security liability, and related defense costs, depending on the policy.<\/p>\n<\/details>\n<h2>Florida Boat Insurance FAQ<\/h2>\n<details>\n<summary><strong>Is my boat fully covered by my homeowners or auto policy?<\/strong><\/summary>\n<p>Homeowners policies may provide only limited coverage for certain boats and related property, while auto insurance is not a substitute for boat insurance. A separate boat policy can provide broader physical damage and liability protection.<\/p>\n<\/details>\n<\/section>\n<section id=\"florida-specific\">\n<h2>Florida-Specific Insurance Facts Worth Knowing<\/h2>\n<ul>\n<li><strong>Flood:<\/strong> standard homeowners policies generally do not cover flood damage, so flood insurance is usually purchased separately.<\/li>\n<li><strong>Condo loss assessment:<\/strong> Florida residential condominium unit-owner policies must include at least $2,000 of qualifying property loss-assessment coverage, subject to statutory conditions.<\/li>\n<li><strong>Workers\u2019 compensation:<\/strong> construction employers generally face a one-employee threshold, while non-construction employers generally face a four-employee threshold.<\/li>\n<li><strong>Uninsured motorist coverage:<\/strong> when qualifying bodily injury liability coverage is issued, Florida law requires UM coverage to be offered unless it is rejected or lower limits are selected in writing.<\/li>\n<\/ul>\n<\/section>\n<section id=\"related\">\n<h2>More Florida Insurance Resources<\/h2>\n<ul>\n<li><a href=\"https:\/\/suninsuranceservices.com\/florida-insurance\/?utm_source=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Florida Insurance Coverage Guide<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/glossary\/?utm_source=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Insurance Glossary<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/roof-age-florida-home-insurance\/?utm_source=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Roof Age and Florida Home Insurance<\/a><\/li>\n<li><a href=\"https:\/\/suninsuranceservices.com\/uninsured-motorist-coverage-in-florida-why-it-matters\/?utm_source=insurance_faq&amp;utm_medium=internal_link&amp;utm_campaign=florida_insurance\">Uninsured Motorist Coverage in Florida<\/a><\/li>\n<\/ul>\n<\/section>\n<section id=\"agency\">\n<h2>Ask Sun Insurance Services a Florida Insurance Question<\/h2>\n<p><strong>Sun Insurance Services, Inc.<\/strong><br \/>\n7680 Universal Blvd Suite 198<br \/>\nOrlando, FL 32819<br \/>\n<a href=\"tel:+14077811600\">Call or Text (407) 781-1600<\/a><\/p>\n<p><a href=\"https:\/\/suninsuranceservices.com\/contact\/?utm_source=insurance_faq&amp;utm_medium=cta&amp;utm_campaign=florida_insurance\">Contact Sun Insurance Services<\/a><\/p>\n<\/section>\n<section id=\"reviews\">\n<h2>Sun Insurance Services Customer Reviews<\/h2>\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<footer>\n<p><em>Last updated: July 29, 2026<\/em><\/p>\n<\/footer>\n<\/article>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": [\n        \"InsuranceAgency\",\n        \"LocalBusiness\"\n      ],\n      \"@id\": \"https:\/\/suninsuranceservices.com\/#insurance-agency\",\n      \"name\": \"Sun Insurance Services, Inc.\",\n      \"url\": \"https:\/\/suninsuranceservices.com\/\",\n      \"telephone\": \"+1-407-781-1600\",\n      \"address\": {\n        \"@type\": \"PostalAddress\",\n        \"streetAddress\": \"7680 Universal Blvd Suite 198\",\n        \"addressLocality\": \"Orlando\",\n        \"addressRegion\": \"FL\",\n        \"postalCode\": \"32819\",\n        \"addressCountry\": \"US\"\n      },\n      \"areaServed\": {\n        \"@type\": \"State\",\n        \"name\": \"Florida\"\n      }\n    },\n    {\n      \"@type\": \"WebPage\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/florida-insurance-faq\/#webpage\",\n      \"url\": \"https:\/\/suninsuranceservices.com\/florida-insurance-faq\/\",\n      \"name\": \"Florida Insurance FAQ\",\n      \"headline\": \"Florida Insurance FAQ\",\n      \"description\": \"Clear answers to common Florida insurance questions about home, auto, flood, condo, renters, boat, business, workers\u2019 compensation and cyber insurance.\",\n      \"inLanguage\": \"en-US\",\n      \"dateModified\": \"2026-07-29\",\n      \"mainEntity\": {\n        \"@id\": \"https:\/\/suninsuranceservices.com\/florida-insurance-faq\/#faq\"\n      },\n      \"publisher\": {\n        \"@id\": \"https:\/\/suninsuranceservices.com\/#insurance-agency\"\n      }\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/florida-insurance-faq\/#faq\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Why choose an independent insurance agent in Florida?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"An independent insurance agency can compare coverage from multiple insurance companies rather than offering only one carrier. That can give Florida consumers more options for eligibility, deductibles, limits, endorsements, and price.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What information do I need for an insurance quote?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Depending on the coverage, you may need names, addresses, contact information, property details, vehicle and driver information, prior insurance, claims history, current limits, mortgage or lienholder information, and requested effective dates.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What does Florida homeowners insurance usually cover?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"A standard homeowners policy commonly includes dwelling, other structures, personal property, loss of use, personal liability, and medical payments coverage, subject to the policy terms, exclusions, deductibles, and limits.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Does homeowners insurance cover flooding in Florida?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Standard homeowners policies generally do not cover flood damage. Flood insurance is usually purchased separately through the National Flood Insurance Program or a private flood insurer.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What is a hurricane deductible?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Florida residential property policies may apply a hurricane deductible to covered hurricane losses rather than the standard all-other-perils deductible. The deductible amount and when it applies depend on the policy and Florida law.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Can a wind mitigation inspection lower my homeowners premium?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Qualifying wind mitigation features can make a Florida home eligible for premium credits or discounts. The actual savings depend on the home's features, insurer, policy, and current rating plan.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Does roof age affect Florida homeowners insurance?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Yes. Roof age, material, condition, remaining useful life, and documentation can affect eligibility, inspections, underwriting, and premium. Requirements vary by insurer.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Do condo owners in Florida need their own insurance?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"A condominium association's master policy does not replace a unit owner's HO-6 policy. Unit owners should review coverage for personal property, portions of the unit they are responsible for, liability, loss of use, and loss assessment.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What is loss assessment coverage for a Florida condo owner?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Florida residential condominium unit-owner policies must include at least $2,000 of property loss-assessment coverage for qualifying assessments arising from the same covered direct property loss, subject to statutory conditions and policy terms.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Why should Florida renters carry renters insurance?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Renters insurance can protect personal property, provide personal liability coverage, and help with additional living expenses after certain covered losses. Landlords may also require tenants to maintain coverage.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What affects my Florida auto insurance premium?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Insurers may consider factors such as driving history, location, vehicle, annual mileage, household drivers, prior insurance, claims history, selected limits, deductibles, and other rating factors permitted by law.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What is the difference between collision and comprehensive coverage?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Collision generally covers eligible damage to your vehicle from a collision or upset. Comprehensive generally covers eligible non-collision losses such as theft, vandalism, fire, falling objects, and certain weather-related damage.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What is uninsured motorist coverage in Florida?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Uninsured and underinsured motorist coverage can protect insured people who are legally entitled to recover damages from an uninsured or underinsured driver. Florida law requires insurers issuing qualifying bodily injury liability coverage to offer UM coverage unless the named insured rejects it or selects lower limits in writing.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Does auto insurance cover a flooded vehicle?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Flood or rising-water damage to a vehicle is generally handled under comprehensive coverage when that coverage is carried and the loss is otherwise covered by the policy.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What business insurance does a Florida business need?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Coverage depends on the operation. 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We compare coverage options from multiple carriers and help clients understand deductibles, limits, exclusions, inspections, underwriting requirements, and&hellip; <a class=\"continue\" href=\"https:\/\/suninsuranceservices.com\/es\/florida-insurance-faq\/\">Continuar leyendo<span> Preguntas frecuentes<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","hide_page_title":"enabled","footnotes":""},"folder":[],"class_list":["post-58","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Florida Insurance FAQ | Sun Insurance Services<\/title>\n<meta name=\"description\" content=\"Florida insurance FAQ from Sun Insurance Services. 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