Fifty Shades of Sun: Part 3

Some reviewers are saying it’s hard to find anything good to say about Fifty Shades of Grey, but we’ve got lots more great things to say about Sun Insurance.

21.  Outside-the-box thinking is not only accepted, it’s encouraged.

22.  We just signed on with one of the most exciting, innovative marketing partners ever: BigEye Creative, and they have especially big things planned for Sun Insurance. Take a look at their web site,, for a preview of the fresh, creative look we’ll soon have.

23.  We have our very own personalized Sun Insurance wine bottles.

24.  We have some clients with very famous names: Diane Sawyer, Barbara Walters, Natalie Woods, Al Green, Drake, Charlie Brown, Mary Kaye, The Adams Family, Michelangelo, John Kennedy, the Waltons, Dave Chapelle, and our favorite, Jack Russell.

25.  We have two monster digital production printers, and we offer discounts for our customers. We print oversize direct mail postcards, handbooks, flyers—whatever our clients need to build their businesses.

26.  We love quotes! Each team member has chosen a meaningful quote and we have stenciled it in vinyl on a wall in their office space.

27.  We are located less than a mile from Universal Studios Florida, and we have a view from our office of the almost-finished Orlando Eye, a 400-foot ferris wheel that will offer a breathtaking view of Central Florida, including the Orlando skyline, theme parks, lakes, and lush landscapes, and views of Cape Canaveral on the east coast.

28.  We work hard to support those in our community working to make life better. We have a number of favorite charities, including the various animal rescue organizations, Emmy’s Heart, the Junior League of Greater Orlando, Give Kids the World, to name just a few.

29. Our client list includes some very talented and interesting people: an animal trainer at SeaWord, the Orlando Predators arena football team, a rocket scientist, several professional athletes, a music promoter, a Cirque du Soleil acrobat, a professional potter, several Fortune 500 executives, and many singers, dancers, actors and artists.

30. So the reviews for Fifty Shades of Grey have not been stellar, the reviews for Sun Insurance are outstanding! Check out this video to hear about the service we and our carrier partner, Tower Hill Insurance Group, responded to a claim filed by John and Debbie Hoffman.

Florida Auto Insurance-Facts and Fiction

Fact or Fiction Florida Auto Insurance At times, purchasing car or auto insurance in Florida can be confusing. You are inundated with advertisements that say, “The application process takes just 7 minutes”, “Just click here to get the lowest price”, or “You don’t need an agent, you have a computer to help you”.

We believe that Florida auto insurance should be a purchase in which you put thought and consideration into, because you are buying a product and service to protect yourself, your auto and your family.

We wanted to clear up some of the Florida auto insurance misconceptions you may have heard.

1. “You can go online and in 7 minutes select the best possible combination of price, coverage and service”.

Fiction– There are literally dozens of options to consider with each company. We do all the work for you by comparing many different companies, then providing you with the best options. Sun Insurance Services will spend more than 7 minutes to get you the best possible coverage and price.

2. “Car insurance is the same for every car and owner”.

Fiction– Car insurance needs to be customized to fit your individual and family needs.

3. “Red cars cost more to insure”.

Fiction– Car insurance companies do not consider the color of your car. They do consider the make, model, cost and location of your auto.

4. “My driving record will not affect my premiums”.

Fiction– Your driving record will impact your car insurance rates. These are the driving infractions that will impact you the most: DUI, reckless driving, careless driving, speeding and failure to stop.

5. “All insurance companies are the same”.

Fiction- We represent many different companies. Some companies prefer motorcycles, while others have better rates for older cars. We try to match the insurance company to your individual situation, giving you the best possible combination of coverage, price and service.


Florida Auto Insurance Fact- We are dedicated to bringing you the most comprehensive and affordable Florida auto insurance.

At Sun Insurance Services we strive to supply you with as many options as possible; thus enabling our comprehensive insurance strategies to provide you with the opportunity to custom build a policy that meets all of your Florida car insurance requirements.


Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!


Insurance Myths

Insurance Myths

You hear a lot about insurance these days, especially here in Florida.  At Sun Insurance Services we pride ourselves not solely on best pricing, or even our shining customer service. One of our primary goals is to be an advocate for our clients. And that means we need to help educate you about your risks and protection. We take it very seriously. There are many insurance myths floating around. A lot of them have been around for years. We want to respond to these myths with clear insurance information, so that you can make educated decisions about your insurance purchases.  It’s important to us that you have the proper coverage at a fair price and that you get the level of service you deserve.

10 Insurance Myths that you need to consider:


Insurance Myth One
Having two agents is better because they keep each other competitive.
Having two agents duplicates effort and can create coverage gaps and/or duplications. For example, there are certain coverage’s that can be included under a liability policy as well as under an auto policy. If you have two agents, who coordinates coverage? One agent is better able to manage your entire insurance program. One stop shopping is also a more efficient use of your time. We offer insurance that will fit all of your needs from personal to business, health, and life.


Insurance Myth Two
The lowest premium is the best option.
Premiums are determined by a combination of exposures and coverage. If you select the lowest premium you may be missing needed coverage. For example, the lowest premium may not include replacement cost coverage on buildings and equipment. That would mean using yesterday’s costs to build/buy something brand new. A considerable difference that would mean out-of-pocket costs to you.


Insurance Myth Three
Buying from a national company is always better.
Don’t be mislead by entertaining advertising. Most national agents only represent one insurance company. They can’t shop your account to determine the best combination of price and coverage. And remember that advocate? You’re not likely to find it in this scenario…


Insurance Myth Four
The internet is a great place to get good insurance deals.
Low cost internet insurance may allow you to select the coverage and limits you think you need, but in most cases you end up with a limited and inadequate program. Typically, you may only realize these limitations after you have an uninsured claim. It’s too late after an insurance event to make changes. You get what you pay for.


Insurance Myth Five
Umbrella insurance is only for high net worth companies or individuals.
A small electrical contractor was at fault for the total loss of a historic property; a loss that exceeded his general liability policy. The contractor’s umbrella policy paid the loss in excess of $7,000,000. Umbrella or excess coverage is some of the least costly insurance you can buy. Don’t risk a big loss for a small expense.


Sun Insurance Umbrella


Insurance Myth Six
The Medical Payment portion of my FL homeowners insurance will cover injuries to me and my family.
Medical Payments, is a feature of most standard home insurance policies. It is there to protect you in the event that someone other than you or your family (a neighbor, friend, etc.) gets hurt on your property.


Insurance Myth Seven
All my guns and jewelry are automatically covered in my homeowner’s policy.
There are limits on the amount of coverage you can receive for valuables such as jewelry, guns, furs, etc. For example, most companies put a cap of $1,500 on total jewelry lost during a burglary of your home. If you find that your jewelry is valued over $1,500, you will have to schedule it separately.


Insurance Myth Eight
Flood insurance is only for people who live in a high risk area.
The only people who may not need flood insurance are those who live on top of a mountain. Flood and rising water can affect almost everyone.


Insurance Myth Nine
I don’t need disability insurance because I can get Social Security.
Don’t count on Social Security to take care of all your needs if you become disabled. If you are able to get Social Security benefits for your disability (not all get approved to receive disability benefits so don’t assume you will) then you will still have to wait months before you receive benefits. Also, your disability needs to be long-term to qualify for these benefits.


Insurance Myth Ten
There isn’t anything I can do to manage my insurance costs except shop price.
There are many things you can do to reduce your premiums; here are a few:
• Consider increasing your deductibles
• Maintain good credit
• Consider the vehicle when you make a purchase, some are more expensive to insure
• Consider the home when making a purchase also, some are more expensive/difficult to insure
• Add smoke and security alarms to your home or office
• Ask us about the many different discounts offered by our insurers


Did you see any of these insurance myths that might affect you? Contact us here at Sun Insurance Services today for advice on a new policy, or a second opinion on any of your existing policies. It’s important to us that you have the proper coverage at a fair price and that you get the level of service you deserve. We revolve around you!



Sun Insurance Services is an Orlando Florida based independent insurance agency serving all of the Sunshine state. If we can help you with any of your FL insurance needs, please contact us today!

One Convenient Insurance Policy for Floridians

AAA Convenient Insurance Policy for FloridiansAre you a one-stop shopper? Would you like to have your homeowners insurance and auto insurance in one convenient policy? We have just the policy for you!  Continue reading

Advantages of Driver’s Education for Teen Drivers

Teen Driving Safety with Sun Insurance ServicesAccording to the Insurance Institute for Highway Safety, teenagers are four times more likely to get into an auto accident than older drivers. Simply put, experience on the road makes a difference. Continue reading