{"id":4048,"date":"2026-08-15T16:47:19","date_gmt":"2026-08-15T20:47:19","guid":{"rendered":"https:\/\/suninsuranceservices.com\/?p=4048"},"modified":"2026-08-15T16:47:22","modified_gmt":"2026-08-15T20:47:22","slug":"property-insurance-policy-documents-sun-insurance-services","status":"publish","type":"post","link":"https:\/\/suninsuranceservices.com\/es\/property-insurance-policy-documents-sun-insurance-services\/","title":{"rendered":"Documentos de p\u00f3liza de seguro de propiedad | Servicios de seguro solar"},"content":{"rendered":"\n<!-- Metadata Block\nExcerpt: Learn how to read Florida property insurance policy documents, including declarations pages, endorsements, renewal notices, cancellation notices, claims correspondence, and Citizens documents.\nSEO Title: Property Insurance Policy Documents | Sun Insurance Services\nMeta Description: Learn what Florida property insurance policy documents mean, which notices may require action, and what homeowners should review.\nFocus Keyphrase: property insurance policy documents\nSlug: property-insurance-policy-documents\nFeatured Image Title: Florida Property Insurance Policy Documents Guide\nFeatured Image Alt: Florida homeowner reviewing property insurance policy documents at a desk\nFeatured Image Caption: Reviewing property insurance documents can help Florida homeowners identify coverage changes, deadlines, deductibles, and other policy requirements.\nTags: Florida Property Insurance, Insurance FAQs, Citizens Insurance\nLast Updated: August 15, 2026\n-->\n\n<article>\n\n<header>\n<h1>Property Insurance Policy Documents: A Florida Homeowner&#8217;s Guide<\/h1>\n<\/header>\n\n<section id=\"quick-answer\">\n<h2>Quick Answer: Property Insurance Documents Explain Your Coverage, Costs, Changes, and Required Actions<\/h2>\n<p>Property insurance policy documents include declarations pages, policy forms, endorsements, renewal offers, invoices, cancellation or nonrenewal notices, inspection requests, and claims correspondence. Florida homeowners should review each document promptly because some notices include deadlines or changes that may affect coverage. The declarations page provides a useful summary, but the complete policy and endorsements determine how coverage applies. If you need help reviewing a Florida property insurance document, <a href=\"https:\/\/suninsuranceservices.com\/contact\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=quick_answer_cta\"><strong>Call or Text (407)781-1600.<\/strong><\/a><\/p>\n<\/section>\n\n<section id=\"introduction\">\n<h2>Florida Homeowners Should Read Insurance Documents as Soon as They Arrive<\/h2>\n<p>Property insurance policy documents can contain important information about your coverage, deductibles, premiums, inspections, underwriting requirements, claims, or future renewal. Some documents are informational, while others may require action before a specified deadline.<\/p>\n\n<p>Florida property insurance policies can also change over time through endorsements, renewal documents, revised deductibles, underwriting requirements, or changes in available coverage. Homeowners insured through Citizens Property Insurance Corporation may receive additional communications relating to eligibility, inspections, flood insurance requirements, or the Citizens depopulation process.<\/p>\n\n<p>The declarations page is usually the fastest place to find basic information about a policy, but it is not the entire insurance contract. Coverage ultimately depends on the policy forms, definitions, conditions, exclusions, endorsements, limits, deductibles, and facts of a loss.<\/p>\n\n<p>This guide explains common property insurance policy documents in plain English and outlines what Florida homeowners may want to review when each document arrives. It provides general insurance information and is not legal advice.<\/p>\n<\/section>\n\n<section id=\"quick-takeaways\">\n<h2>Quick Takeaways: Every Property Insurance Document Serves a Different Purpose<\/h2>\n<ul>\n<li>A declarations page summarizes important policy information but does not contain every coverage term or exclusion.<\/li>\n<li>An endorsement changes part of the insurance policy and should be read together with the underlying policy form.<\/li>\n<li>A renewal notice can include premium, coverage, deductible, or policy-form changes that should be reviewed before renewal.<\/li>\n<li>Florida cancellation and nonrenewal notices can be subject to specific notice requirements and exceptions under state law.<\/li>\n<li>Claims documents should be stored with photographs, estimates, receipts, and other loss-related records.<\/li>\n<li>Citizens policyholders may receive documents related to eligibility, inspections, depopulation, or other program requirements.<\/li>\n<\/ul>\n<\/section>\n\n<section id=\"what-are-property-insurance-policy-documents\">\n<h2>Property Insurance Policy Documents Form the Written Record of Your Insurance Contract<\/h2>\n<p>Property insurance policy documents are written materials that establish, summarize, modify, administer, or communicate information about an insurance policy. They can come from an insurance carrier, insurance agency, mortgage company, claims department, or other party involved with the policy.<\/p>\n\n<p>Common documents include:<\/p>\n\n<ul>\n<li>Declarations pages<\/li>\n<li>Policy forms<\/li>\n<li>Coverage endorsements<\/li>\n<li>Exclusion endorsements<\/li>\n<li>Deductible endorsements<\/li>\n<li>Renewal offers<\/li>\n<li>Notices of policy changes<\/li>\n<li>Premium invoices<\/li>\n<li>Inspection requests<\/li>\n<li>Cancellation notices<\/li>\n<li>Nonrenewal notices<\/li>\n<li>Claims correspondence<\/li>\n<\/ul>\n\n<p><strong>No single page should automatically be treated as the entire insurance contract.<\/strong> Coverage depends on how the applicable forms and endorsements work together.<\/p>\n\n<p>Florida homeowners can also review <a href=\"https:\/\/suninsuranceservices.com\/florida-homeowners-insurance\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=homeowners_insurance\">Florida homeowners insurance information<\/a> when comparing policy terminology and coverage options.<\/p>\n<\/section>\n\n<section id=\"declarations-page\">\n<h2>A Declarations Page Summarizes Important Details About Your Property Insurance Policy<\/h2>\n<p>A declarations page, sometimes called a policy declarations or dec page, is a summary of key information associated with an insurance policy. It commonly identifies the named insured, insured property, policy period, coverage limits, deductibles, forms, endorsements, and premium information.<\/p>\n\n<p>When reviewing a declarations page, check the property address, mailing address, named insureds, mortgage company information, policy dates, coverage limits, and deductibles for accuracy. Florida homeowners should pay particular attention to any hurricane deductible or other property deductible shown on the policy.<\/p>\n\n<p>A declarations page may also list endorsements by form number. Those endorsements can materially change the coverage summarized on the declarations page.<\/p>\n\n<p><strong>The declarations page is a summary, not a substitute for reading the policy.<\/strong> A coverage limit appearing on the declarations page does not by itself establish that every loss involving that property is covered.<\/p>\n<\/section>\n\n<section id=\"policy-forms\">\n<h2>Policy Forms Contain the Definitions, Coverages, Conditions, and Exclusions That Control the Contract<\/h2>\n<p>A policy form contains much of the detailed language governing how an insurance policy operates. Depending on the policy, it may define covered property, covered causes of loss, duties after a loss, exclusions, conditions, settlement provisions, and other contractual terms.<\/p>\n\n<p>Insurance terms can have meanings that differ from everyday language. Definitions within the policy can therefore be important when determining whether a particular provision applies.<\/p>\n\n<p>Florida homeowners should keep the complete policy form associated with the current policy period. A prior year&#8217;s form may not contain the same terms as the current contract.<\/p>\n\n<p><strong>Coverage depends on the actual policy language in effect when the loss occurs.<\/strong> General descriptions of homeowners insurance cannot replace the terms, conditions, exclusions, limits, and endorsements in an individual policy.<\/p>\n<\/section>\n\n<section id=\"endorsements\">\n<h2>Policy Endorsements Add, Remove, or Change Terms in the Base Policy<\/h2>\n<p>An endorsement is a document that modifies an insurance policy. An endorsement may add coverage, restrict coverage, change a deductible, alter a definition, modify a condition, or exclude certain property or causes of loss.<\/p>\n\n<p>The Florida Department of Financial Services advises consumers to read endorsements carefully because an endorsement changes the policy. Examples that may be available from some insurers include personal property replacement cost, water backup, mold, screened enclosure, equipment breakdown, animal liability, or other property-related endorsements.<\/p>\n\n<p>Availability varies by insurer, property, underwriting criteria, and policy form. An endorsement offered by one carrier may not be available from another.<\/p>\n\n<p>Florida consumers can review the <a href=\"https:\/\/myfloridacfo.com\/division\/ica\/fullcoverage\/homeowners\/policyendorsements?utm_source=sun_insurance_services&amp;utm_medium=blog&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=florida_endorsements\" target=\"_blank\" rel=\"noopener noreferrer\">Florida Department of Financial Services homeowners endorsement guidance<\/a>.<\/p>\n\n<p><strong>When an endorsement conflicts with language in the underlying policy, the endorsement can change how that portion of the policy applies.<\/strong><\/p>\n<\/section>\n\n<section id=\"renewal-documents\">\n<h2>Renewal Documents Should Be Compared With the Expiring Policy Before the New Term Begins<\/h2>\n<p>A property insurance renewal document explains the terms being offered for the next policy period. It may include a different premium, deductible, coverage limit, endorsement, policy form, or other change.<\/p>\n\n<p>Do not evaluate a renewal using premium alone. Compare the new declarations page and forms with the expiring policy so you can identify changes in coverage, limits, deductibles, exclusions, or endorsements.<\/p>\n\n<p>For Florida personal residential property insurance, current state law generally requires an insurer to provide the first-named insured at least 45 days&#8217; advance written notice of the renewal premium, subject to applicable law and circumstances.<\/p>\n\n<p>Review the current statutory language through the <a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699%2F0627%2FSections%2F0627.4133.html&amp;utm_source=sun_insurance_services&amp;utm_medium=blog&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=renewal_notice_reference\" target=\"_blank\" rel=\"noopener noreferrer\">Florida Legislature&#8217;s Section 627.4133<\/a>.<\/p>\n<\/section>\n\n<section id=\"notice-of-change\">\n<h2>A Notice of Policy Change Can Identify Important Differences at Renewal<\/h2>\n<p>A notice of change in policy terms explains modifications the insurer is making to a policy. Changes may involve coverage provisions, exclusions, deductibles, forms, conditions, or other contract terms.<\/p>\n\n<p>Read these notices together with the renewal declarations and endorsements. A premium that remains relatively similar does not necessarily mean the coverage is unchanged.<\/p>\n\n<p>When reviewing a notice of change, identify:<\/p>\n\n<ul>\n<li>The form or coverage being modified<\/li>\n<li>The effective date of the change<\/li>\n<li>Whether a limit or deductible changed<\/li>\n<li>Whether an exclusion was added or revised<\/li>\n<li>Whether you need to provide information or take action<\/li>\n<\/ul>\n\n<p><strong>A renewal should be reviewed for both price and coverage changes.<\/strong> Two policy periods with similar premiums may contain different contractual terms.<\/p>\n<\/section>\n\n<section id=\"invoice-payment-notices\">\n<h2>Invoice and Payment Notices Tell You When Premium Is Due and How the Account Is Being Billed<\/h2>\n<p>Insurance invoices typically identify the premium amount due, due date, payment schedule, and methods available for payment. Billing arrangements may differ when a mortgage company pays the insurance premium through an escrow account.<\/p>\n\n<p>If your mortgage company handles the payment, do not assume every insurance invoice can be ignored. Review the document and confirm that the correct mortgage company information appears on the policy when applicable.<\/p>\n\n<p>A missed premium payment may lead to cancellation according to the policy, carrier procedures, and applicable Florida law. If an invoice appears incorrect, contact the insurer, agency, or mortgage servicer before the deadline.<\/p>\n\n<p><strong>Stopping an automatic payment does not necessarily cancel a policy, and assuming an escrow account will handle a bill does not confirm payment was made.<\/strong> Verify the transaction when there is uncertainty.<\/p>\n<\/section>\n\n<section id=\"cancellation-nonrenewal\">\n<h2>Cancellation and Nonrenewal Notices Require Prompt Review Because the Effective Date Matters<\/h2>\n<p>A cancellation ends an insurance policy before its scheduled expiration date. A nonrenewal means the insurer does not intend to continue the policy into another term. These are different actions, although both can require a homeowner to find replacement coverage.<\/p>\n\n<p>For many Florida personal residential property policies, Section 627.4133 generally requires at least 120 days&#8217; written notice before cancellation, termination, or nonrenewal. Important exceptions apply. For example, cancellation for nonpayment of premium can involve a shorter notice period, and different rules can apply during the first 60 days of a policy, in certain Citizens situations, or under other circumstances specified by Florida law.<\/p>\n\n<p>If you receive a cancellation or nonrenewal notice, read the reason, effective date, and instructions immediately. Contact your insurance agent if you need help interpreting the notice or comparing replacement options.<\/p>\n\n<p><a href=\"https:\/\/suninsuranceservices.com\/contact\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=mid_article_cta\"><strong>Call or Text (407)781-1600.<\/strong><\/a><\/p>\n<\/section>\n\n<section id=\"rescission\">\n<h2>A Rescission or Policy-Voidance Notice Should Be Reviewed Immediately<\/h2>\n<p>A communication stating that an insurer intends to rescind, void, or treat a policy as invalid can have consequences that differ from an ordinary prospective cancellation. The effect depends on the reason, applicable law, policy language, and facts involved.<\/p>\n\n<p>These situations can involve allegations such as material misrepresentation, omissions, underwriting information, or payment issues. Do not assume that every rescission or voidance notice has the same legal effect.<\/p>\n\n<p>Review the insurer&#8217;s stated reason and gather the application, inspection documents, photographs, correspondence, and other records related to the issue. A licensed insurance agent can help explain insurance options, while legal questions about rights, obligations, or disputes may require advice from a qualified attorney.<\/p>\n\n<p><strong>A cancellation and a rescission are not interchangeable terms.<\/strong> The document itself and applicable Florida law determine what action the insurer is taking.<\/p>\n<\/section>\n\n<section id=\"underwriting-inspection-documents\">\n<h2>Inspection and Underwriting Documents May Require Information Before Coverage Can Continue<\/h2>\n<p>Florida property insurers may request inspections, photographs, repair documentation, or information about a home&#8217;s roof, plumbing, electrical system, heating and air-conditioning equipment, occupancy, or other property characteristics.<\/p>\n\n<p>An underwriting requirement is information or an action an insurer uses to determine whether a property meets its eligibility guidelines. Deadlines matter because failure to provide requested documentation can affect underwriting decisions depending on the circumstances and policy status.<\/p>\n\n<p>Florida homeowners may encounter four-point inspections, roof inspections, or wind mitigation inspections. These inspections serve different purposes and should not be treated as interchangeable.<\/p>\n\n<p>For additional information, review <a href=\"https:\/\/suninsuranceservices.com\/wind-mitigation\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=wind_mitigation\">Florida wind mitigation information<\/a> and the <a href=\"https:\/\/www.myfloridacfo.com\/division\/consumers\/understanding-insurance\/homeownersinsuranceoverview?utm_source=sun_insurance_services&amp;utm_medium=blog&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=dfs_homeowners_overview\" target=\"_blank\" rel=\"noopener noreferrer\">Florida Department of Financial Services homeowners insurance overview<\/a>.<\/p>\n<\/section>\n\n<section id=\"claims-documents\">\n<h2>Claims Documents Create a Written Record of What Happens After a Property Loss<\/h2>\n<p>Property claim documents can include acknowledgment letters, requests for information, adjuster communications, estimates, reservation-of-rights letters, coverage determinations, payment explanations, proof-of-loss requests, and claim closure correspondence.<\/p>\n\n<p>Keep insurance correspondence together with your own documentation. Useful records can include photographs, videos, receipts, contractor estimates, repair invoices, temporary living expense records, and notes showing the date and purpose of important conversations.<\/p>\n\n<p>Do not discard damaged property solely because you assume it is no longer relevant to the claim. Follow carrier instructions and take reasonable steps to prevent additional damage when safe to do so.<\/p>\n\n<p>For more information, visit the <a href=\"https:\/\/suninsuranceservices.com\/insurance-claims\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=claims_information\">insurance claims resource<\/a>.<\/p>\n\n<p><strong>Good claim documentation can help establish what happened, what property was damaged, and what expenses were incurred.<\/strong> It does not guarantee a particular claim outcome.<\/p>\n<\/section>\n\n<section id=\"citizens-documents\">\n<h2>Citizens Policyholders May Receive Documents Related to Eligibility, Coverage, Inspections, or Depopulation<\/h2>\n<p>Citizens Property Insurance Corporation is a Florida government entity created to provide property insurance to eligible property owners who cannot obtain qualifying coverage in the private market under applicable Citizens eligibility rules.<\/p>\n\n<p>Citizens policyholders may receive many of the same types of documents issued by private insurers, including declarations pages, endorsements, renewal documents, invoices, inspection requests, and claims correspondence. They can also receive Citizens-specific communications involving eligibility or the depopulation program.<\/p>\n\n<p>Depopulation is the process through which qualifying Citizens policies may be selected for offers from authorized private insurers. If you receive a depopulation notice, review the available options, deadlines, coverage differences, and potential premium differences before making a decision.<\/p>\n\n<p>Current information is available from <a href=\"https:\/\/www.citizensfla.com\/who-we-are?utm_source=sun_insurance_services&amp;utm_medium=blog&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=citizens_reference\" target=\"_blank\" rel=\"noopener noreferrer\">Citizens Property Insurance Corporation<\/a>.<\/p>\n<\/section>\n\n<section id=\"flood-documents\">\n<h2>Flood Insurance Documents Should Be Reviewed Separately From Homeowners Insurance Documents<\/h2>\n<p>Standard homeowners insurance and flood insurance are separate forms of coverage. Florida homeowners should therefore organize and review flood insurance documents separately from their homeowners policy.<\/p>\n\n<p>A flood policy may have its own policy number, limits, deductibles, effective dates, waiting-period rules, building coverage, contents coverage, exclusions, and claims procedures. Coverage depends on whether the flood insurance comes through the National Flood Insurance Program or a private insurer.<\/p>\n\n<p>Some Florida homeowners may also encounter flood insurance requirements from a mortgage lender or Citizens Property Insurance Corporation, depending on the property and applicable requirements.<\/p>\n\n<p>Learn more through the <a href=\"https:\/\/suninsuranceservices.com\/florida-flood-insurance\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=flood_insurance\">Florida flood insurance guide<\/a>.<\/p>\n\n<p><strong>A homeowners declarations page does not establish that flood damage is covered.<\/strong> Flood insurance is generally handled under a separate policy or contract.<\/p>\n<\/section>\n\n<section id=\"online-portals\">\n<h2>Online Insurance Portals Can Help You Retrieve Current Documents and Monitor Policy Activity<\/h2>\n<p>Many insurance carriers provide online accounts where policyholders can retrieve declarations pages, policy forms, endorsements, invoices, and other account documents. Portal features vary by insurer.<\/p>\n\n<p>When creating an online account, use current contact information and a secure password. Consider downloading important documents rather than relying entirely on continued portal access.<\/p>\n\n<p>Email and text notifications can alert you that a document has been posted, but the notification itself may not explain the document&#8217;s significance. Open the actual document and review it for deadlines, changes, or requests.<\/p>\n\n<p><strong>An email stating that a new document is available is not a substitute for reading the document.<\/strong> Important policy information may appear only within the attached or posted notice.<\/p>\n<\/section>\n\n<section id=\"organize-documents\">\n<h2>Organizing Insurance Documents by Policy Period Makes Future Reviews and Claims Easier<\/h2>\n<p>A simple document system can make it easier to compare renewals, respond to underwriting requests, and locate information after a loss. Keep records by policy period rather than storing every insurance document in one undifferentiated folder.<\/p>\n\n<p>Consider maintaining:<\/p>\n\n<ul>\n<li>Current declarations page<\/li>\n<li>Complete policy forms<\/li>\n<li>All current endorsements<\/li>\n<li>Renewal and change notices<\/li>\n<li>Invoices and payment confirmations<\/li>\n<li>Inspection reports and photographs<\/li>\n<li>Roof or major-system documentation<\/li>\n<li>Mortgage correspondence related to insurance<\/li>\n<li>Claims documents<\/li>\n<li>Prior policy records that may remain relevant<\/li>\n<\/ul>\n\n<p>Digital copies stored securely in more than one location can remain accessible if paper records are damaged during a hurricane, fire, water loss, or other event.<\/p>\n<\/section>\n\n<section id=\"policy-review\">\n<h2>A Policy Review Should Compare Coverage, Deductibles, Endorsements, and Property Information<\/h2>\n<p>A property insurance review can help identify whether information on the policy still matches the property and your insurance needs. Consider reviewing the policy at renewal and after significant changes to the home or occupancy.<\/p>\n\n<p>Check dwelling information, roof details, construction characteristics, mortgage information, deductibles, coverage limits, endorsements, exclusions, and scheduled property. If you completed renovations or replaced major systems, notify your agent or insurer when required.<\/p>\n\n<p>Sun Insurance Services is an independent insurance agency based in Orlando, Florida. The agency can review options from carriers it represents and discuss how available policy features may apply to a homeowner&#8217;s circumstances.<\/p>\n\n<p><strong>A policy review cannot guarantee that every future loss will be covered.<\/strong> Claim decisions depend on policy terms and the facts surrounding the loss.<\/p>\n<\/section>\n\n<section id=\"reviews\">\n<h2>Customer Reviews Can Provide Context About Working With Sun Insurance Services<\/h2>\n<p>Customer reviews can provide information about communication and service experiences with Sun Insurance Services. Insurance availability, underwriting decisions, premiums, coverage, and claim outcomes depend on the applicable insurer, policy terms, and individual circumstances.<\/p>\n<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\" data-css-url=\"https:\/\/cdn.trustindex.io\/assets\/widget-presetted-css\/v2\/14-ligth-border.css\" class=\"ti-widget ti-no-profile-img\" data-plugin-version=\"14.3\" 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\" 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ti-mobile\"><span class=\"ti-rating-text\">Excellent<\/span><span class=\"ti-header-rating-reviews\">157 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=\"1792609203\" data-id=\"c73908b067e04b541c0696748dab47ad\" 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\"> Ted Jankowski <\/div> <div class=\"ti-date\">8 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\"><!-- R-CONTENT -->Did payment online<!-- R-CONTENT --><\/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=\"1791549992\" data-id=\"42aa98a90173e1b946316e85456c39f2\" 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\"> hillary page <\/div> <div class=\"ti-date\">20 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\"><!-- R-CONTENT -->Kim had spent a ton of time with us helping navigate the homeowners and auto options. She is terrific!<!-- R-CONTENT --><\/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=\"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\">45 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\"><!-- R-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!<!-- R-CONTENT --><\/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\">59 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\"><!-- R-CONTENT -->Excellent job. Thank you for all your assistance<!-- R-CONTENT --><\/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\">69 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\"><!-- R-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.<!-- R-CONTENT --><\/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\">72 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\"><!-- R-CONTENT -->Excellent responsiveness, Basically &quot;they have your back&quot;  great agent<!-- R-CONTENT --><\/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\">78 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\"><!-- R-CONTENT -->Kim is an excellent representative.<!-- R-CONTENT --><\/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\">84 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\"><!-- R-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.<!-- R-CONTENT --><\/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\">87 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\"><!-- R-CONTENT -->Scott is great exceptional service<!-- R-CONTENT --><\/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\">90 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\"><!-- R-CONTENT -->Scott and his team are amazing. They provided excellent customer service and great advice. Very professional, knowledgeable and trust worthy. Highly recommeded.<!-- R-CONTENT --><\/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><pre class=\"ti-hidden-markup\" hidden style=\"display: none\"><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><\/pre><pre class=\"ti-hidden-markup\" hidden style=\"display: none\"><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<\/pre>\n<\/section>\n\n<section id=\"faq\">\n<h2>Frequently Asked Questions About Property Insurance Policy Documents<\/h2>\n\n<article>\n<h3>What should I do when I receive a new property insurance document?<\/h3>\n<p>Open and review the document promptly. Identify what type of document it is, its effective date, any deadline, and whether action is required. Compare coverage-related documents with your current declarations page and policy forms. If the notice is unclear, contact your insurer or licensed Florida insurance agent before any stated deadline.<\/p>\n<\/article>\n\n<article>\n<h3>What information is usually on a property insurance declarations page?<\/h3>\n<p>A declarations page commonly lists the named insured, insured property, policy number, policy period, coverage limits, deductibles, premium information, mortgage company, and policy forms or endorsements. The declarations page summarizes important information, but the complete policy and endorsements determine how coverage applies.<\/p>\n<\/article>\n\n<article>\n<h3>Is a declarations page the entire insurance policy?<\/h3>\n<p>No. A declarations page is generally a summary of the policy. The insurance contract can also include policy forms, definitions, conditions, exclusions, endorsements, and other documents incorporated into the contract. Coverage for a particular loss depends on the applicable policy language and circumstances.<\/p>\n<\/article>\n\n<article>\n<h3>What is a property insurance endorsement?<\/h3>\n<p>An endorsement is a document that changes part of an insurance policy. It may add coverage, remove coverage, modify an exclusion, change a deductible, alter a definition, or revise another policy provision. Read endorsements with the underlying policy because the endorsement can change how the original form applies.<\/p>\n<\/article>\n\n<article>\n<h3>How much notice must a Florida property insurer provide before nonrenewal?<\/h3>\n<p>For many Florida personal residential property policies, current Florida law generally requires at least 120 days&#8217; written notice of nonrenewal. Exceptions apply, including certain Citizens situations and circumstances specifically addressed by Florida law. Review the notice itself and current Section 627.4133, Florida Statutes, for the applicable requirements.<\/p>\n<\/article>\n\n<article>\n<h3>How much notice is required before a Florida homeowners policy is canceled?<\/h3>\n<p>Notice requirements depend on why the policy is being canceled and how long it has been in force. Florida law generally provides a 120-day notice framework for many personal residential policies, but shorter periods apply in specified situations such as nonpayment of premium or certain cancellations during a policy&#8217;s first 60 days.<\/p>\n<\/article>\n\n<article>\n<h3>What is the difference between cancellation and nonrenewal?<\/h3>\n<p>Cancellation ends a policy before its scheduled expiration date. Nonrenewal means an insurer does not intend to offer another policy term after the current policy expires. Different notice requirements and exceptions can apply, so homeowners should review the reason and effective date stated in the insurer&#8217;s notice.<\/p>\n<\/article>\n\n<article>\n<h3>What should I do if I receive a rescission or policy-voidance notice?<\/h3>\n<p>Review the stated reason immediately and preserve the application, policy, inspection records, photographs, correspondence, and other relevant documents. Contact a licensed insurance agent regarding coverage options. If the notice raises a dispute about legal rights or obligations, consider discussing the matter with a qualified attorney.<\/p>\n<\/article>\n\n<article>\n<h3>What property insurance documents should I keep after a claim?<\/h3>\n<p>Keep claim acknowledgment letters, adjuster correspondence, estimates, photographs, videos, receipts, invoices, payment explanations, coverage letters, proof-of-loss documents, and claim closure correspondence. Keeping organized records can make it easier to document the loss and understand what occurred during the claim process.<\/p>\n<\/article>\n\n<article>\n<h3>Should I keep old homeowners insurance policies?<\/h3>\n<p>Keeping prior policies and related records can be useful when you need to confirm historical coverage, prior claims, property information, or changes between policy terms. Retention needs vary by situation. Store important records securely and ask your insurance agent or legal adviser if you have questions about a specific retention requirement.<\/p>\n<\/article>\n\n<article>\n<h3>What should I review when my homeowners policy renews?<\/h3>\n<p>Compare the new premium, coverage limits, deductibles, policy forms, endorsements, exclusions, mortgage information, and property details with the expiring policy. Pay attention to notices describing changes in policy terms. Contact your agent if information is incorrect or you do not understand how a change may affect coverage.<\/p>\n<\/article>\n\n<article>\n<h3>Are Citizens Property Insurance documents different from private-carrier documents?<\/h3>\n<p>Citizens issues many familiar insurance documents, including declarations pages, endorsements, invoices, renewal documents, inspection requests, and claims correspondence. Citizens policyholders may also receive communications related to eligibility, program requirements, or depopulation offers that may not apply to a standard private-market policy.<\/p>\n<\/article>\n\n<\/section>\n\n<section id=\"references\">\n<h2>References: Florida Homeowners Can Verify Policy Information Through State and Insurance Resources<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0600-0699%2F0627%2FSections%2F0627.4133.html&amp;utm_source=sun_insurance_services&amp;utm_medium=blog&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=reference_cancellation_statute\" target=\"_blank\" rel=\"noopener noreferrer\">Florida Legislature: Section 627.4133, Notice of Cancellation, Nonrenewal, or Renewal Premium<\/a><\/li>\n<li><a href=\"https:\/\/myfloridacfo.com\/division\/ica\/fullcoverage\/homeowners\/policyendorsements?utm_source=sun_insurance_services&amp;utm_medium=blog&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=reference_endorsements\" target=\"_blank\" rel=\"noopener noreferrer\">Florida Department of Financial Services: Homeowners Insurance Policy Endorsements<\/a><\/li>\n<li><a href=\"https:\/\/www.myfloridacfo.com\/division\/consumers\/understanding-insurance\/homeownersinsuranceoverview?utm_source=sun_insurance_services&amp;utm_medium=blog&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=reference_homeowners_overview\" target=\"_blank\" rel=\"noopener noreferrer\">Florida Department of Financial Services: Homeowners Insurance Overview<\/a><\/li>\n<li><a href=\"https:\/\/www.citizensfla.com\/who-we-are?utm_source=sun_insurance_services&amp;utm_medium=blog&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=reference_citizens\" target=\"_blank\" rel=\"noopener noreferrer\">Citizens Property Insurance Corporation: About Citizens<\/a><\/li>\n<\/ul>\n<\/section>\n\n<section id=\"conclusion\">\n<h2>Understanding Property Insurance Policy Documents Helps Florida Homeowners Respond to Changes on Time<\/h2>\n<p>Property insurance documents serve different purposes. A declarations page summarizes important policy information, while policy forms and endorsements establish detailed coverage terms. Renewal notices, invoices, inspection requests, cancellation notices, nonrenewal notices, and claims correspondence can each require different actions.<\/p>\n\n<p>Florida homeowners should review insurance documents when they arrive rather than waiting until a claim or renewal deadline. Confirm that property information is accurate, compare renewal documents with the expiring policy, read endorsements carefully, and pay attention to effective dates and response deadlines. Citizens policyholders should also review any communications involving eligibility or depopulation.<\/p>\n\n<p><strong>The declarations page is only one part of the insurance contract.<\/strong> <strong>Endorsements can materially change how a policy applies.<\/strong> <strong>Cancellation, nonrenewal, underwriting, and claims documents should be reviewed promptly because deadlines may apply.<\/strong><\/p>\n\n<p>Sun Insurance Services is an independent insurance agency based in Orlando, Florida. The agency can help homeowners review policy documents and compare available options from carriers it represents. <a href=\"https:\/\/suninsuranceservices.com\/contact\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=property-insurance-policy-documents&amp;utm_content=conclusion_cta\"><strong>Call or Text (407)781-1600.<\/strong><\/a><\/p>\n<\/section>\n\n<footer>\n<p><strong>Last Updated:<\/strong> August 15, 2026<\/p>\n<p><em>This article provides general insurance information and does not provide legal advice. Coverage, eligibility, premiums, deductibles, underwriting decisions, cancellations, nonrenewals, and claim outcomes depend on policy terms, applicable law, carrier requirements, and individual circumstances. Discuss specific insurance questions with a licensed Florida insurance agent and legal questions with a qualified attorney when appropriate.<\/em><\/p>\n<\/footer>\n\n<\/article>\n\n<!--\nYOAST SEO Metadata\nSEO Title: Property Insurance Policy Documents | Sun Insurance Services\nMeta Description: Learn what Florida property insurance policy documents mean, which notices may require action, and what homeowners should review.\nFocus Keyphrase: property insurance policy documents\nSlug: property-insurance-policy-documents\nCanonical URL: https:\/\/suninsuranceservices.com\/property-insurance-policy-documents\/\nOG Title: Property Insurance Policy Documents | Sun Insurance Services\nOG Description: Learn how to read Florida property insurance documents, including declarations pages, endorsements, renewals, cancellations, claims notices, and Citizens documents.\nTwitter Title: Property Insurance Policy Documents | Sun Insurance Services\nTwitter Description: Understand Florida property insurance documents and learn which notices, endorsements, renewal changes, and claim records may require attention.\n-->\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"BlogPosting\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/property-insurance-policy-documents\/#article\",\n      \"headline\": \"Property Insurance Policy Documents: A Florida Homeowner's Guide\",\n      \"description\": \"Learn what Florida property insurance policy documents mean, which notices may require action, and what homeowners should review.\",\n      \"dateModified\": \"2026-08-15\",\n      \"mainEntityOfPage\": {\n        \"@type\": \"WebPage\",\n        \"@id\": \"https:\/\/suninsuranceservices.com\/property-insurance-policy-documents\/\"\n      },\n      \"author\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Sun Insurance Services\",\n        \"url\": \"https:\/\/suninsuranceservices.com\/\"\n      },\n      \"publisher\": {\n        \"@type\": \"Organization\",\n        \"name\": \"Sun Insurance Services\",\n        \"url\": \"https:\/\/suninsuranceservices.com\/\"\n      },\n      \"about\": [\n        {\n          \"@type\": \"Thing\",\n          \"name\": \"Property insurance policy documents\"\n        },\n        {\n          \"@type\": \"Thing\",\n          \"name\": \"Florida homeowners insurance\"\n        },\n        {\n          \"@type\": \"Organization\",\n          \"name\": \"Citizens Property Insurance Corporation\"\n        },\n        {\n          \"@type\": \"Organization\",\n          \"name\": \"Florida Department of Financial Services\"\n        }\n      ],\n      \"image\": {\n        \"@id\": \"https:\/\/suninsuranceservices.com\/property-insurance-policy-documents\/#featured-image\"\n      }\n    },\n    {\n      \"@type\": \"ImageObject\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/property-insurance-policy-documents\/#featured-image\",\n      \"name\": \"Florida Property Insurance Policy Documents Guide\",\n      \"caption\": \"Reviewing property insurance documents can help Florida homeowners identify coverage changes, deadlines, deductibles, and other policy requirements.\",\n      \"description\": \"Florida homeowner reviewing property insurance policy documents at a desk.\"\n    },\n    {\n      \"@type\": \"BreadcrumbList\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/property-insurance-policy-documents\/#breadcrumb\",\n      \"itemListElement\": [\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 1,\n          \"name\": \"Home\",\n          \"item\": \"https:\/\/suninsuranceservices.com\/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 2,\n          \"name\": \"Florida Insurance Articles\",\n          \"item\": \"https:\/\/suninsuranceservices.com\/florida-insurance-articles\/\"\n        },\n        {\n          \"@type\": \"ListItem\",\n          \"position\": 3,\n          \"name\": \"Property Insurance Policy Documents\",\n          \"item\": \"https:\/\/suninsuranceservices.com\/property-insurance-policy-documents\/\"\n        }\n      ]\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"@id\": \"https:\/\/suninsuranceservices.com\/property-insurance-policy-documents\/#faq\",\n      \"mainEntity\": [\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What should I do when I receive a new property insurance document?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Open and review the document promptly. 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Retention needs vary by situation.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"What should I review when my homeowners policy renews?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Compare the new premium, coverage limits, deductibles, policy forms, endorsements, exclusions, mortgage information, and property details with the expiring policy. Pay attention to notices describing changes in policy terms.\"\n          }\n        },\n        {\n          \"@type\": \"Question\",\n          \"name\": \"Are Citizens Property Insurance documents different from private-carrier documents?\",\n          \"acceptedAnswer\": {\n            \"@type\": \"Answer\",\n            \"text\": \"Citizens issues many familiar insurance documents, including declarations pages, endorsements, invoices, renewal documents, inspection requests, and claims correspondence. Citizens policyholders may also receive communications related to eligibility, program requirements, or depopulation offers.\"\n          }\n        }\n      ]\n    }\n  ]\n}\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Aprenda a leer y responder a los documentos de las p\u00f3lizas de seguro de propiedad de Florida, desde las p\u00e1ginas de declaraciones y los endosos hasta los avisos de cancelaci\u00f3n y rescisi\u00f3n. <a class=\"continue\" href=\"https:\/\/suninsuranceservices.com\/es\/property-insurance-policy-documents-sun-insurance-services\/\">Continuar leyendo<span> Documentos de p\u00f3liza de seguro de propiedad | Servicios de seguro solar<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":4453,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","hide_page_title":"","footnotes":""},"categories":[47],"tags":[87,324,328,298],"post_folder":[],"class_list":["post-4048","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-insurance","tag-citizens-insurance","tag-florida-property-insurance","tag-insurance-claims","tag-insurance-faqs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Property Insurance Policy Documents | Sun Insurance Services<\/title>\n<meta name=\"description\" content=\"Learn what Florida property insurance policy documents mean, which notices may require action, and what homeowners 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