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.

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!

You Might Be Paying Too Much For Insurance… Call Sun Insurance Services For A Second Opinion

Sun Insurance ServicesYesterday in Scott Maxwell’s article for the Orlando Sentinel, Florida Insurance Rates: Time To Drop, he once again raises the issue with Florida insurance rates being too high. Many Florida homeowners have experienced rate increases and if you are one of them, take Scott’s advice and call an independent insurance agency, call us. We will use our independence (we represent many insurance carriers and can offer you several solutions) to find you the best policy at the best price.


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!


Protecting Your Florida Home From Mold

Protect Your Family From Mold with Sun Insurance ServicesMold can be very harmful when it grows undetected in your home.  At Sun Insurance Services we are all about offering solutions to important issues facing Florida homeowners. We recommend when it comes to keeping your home mold-free, a strong offense is definitely your best defense.
If you have owned a home in Florida for any length of time, we don’t have to tell you that mold can grow anywhere; on carpet, clothing, food, paper, and even in places you can’t see such as the backside of drywall, areas inside walls around leaking or condensing pipes, and above ceiling tiles.

Standard Florida homeowner’s policies provide coverage for disasters that are sudden and accidental. Mold growth and the resulting damage is generally not covered under most insurance policies. However, if mold is the direct result of a covered peril such as a burst pipe, there could be coverage for the cost of eliminating the mold. Make sure you call Sun Insurance Services for specific coverage terms of your individual policy.

We wouldn’t leave you without some tips on preventin mold:
• Use products that tend to resist mold
• Use bleach to clean bathrooms
• Keep mold off house plants
• Keep doors and windows shut when AC is on
• Add mold inhibitors to paint
• Inspect your home annually; including around pipes, foundations, and water heaters
• Place exhaust fans in bathrooms, kitchens, and attics
• Keep humidity level between 30 % to 60%
• Keep gutters clean of leaves and other debris
• If you experience a flood, remove carpets within 24 to 48 hours
• Remove all standing water
• Wash and disinfect all areas that have been flooded.
• Look for ways to improve air flow in and around your home

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!

Get closer to The Sun…. Meet Our SunBeams; Hip Hip Who? RA! Meet our fearless leader, Mr. Sun himself, Jim Brandt!

Jim Brandt Sun Insurance Services Orlando FLHe’s funny, fair, knowledgeable, and forward thinking. He welcomes change, is willing to listen, is a collector of all things Pez, a lover of pizza, and says he loves his job because it keeps him young! How could you not like working with Jim Brandt? We do!

One step into the Sun Insurance Services office, and you know that not just our name is sunny! Our decor is bright and colorful and a lot of fun! When Jim planned to open Sun Insurance Services here in the sunshine state, he wanted to create an environment that represented both how he lives his life, and represented his vision for his business. “I’ve had the experience of an office full of grey cubicles up against grey walls sitting on grey carpet with most people feeling pretty grey.” says Jim. “I wanted our office and workplace to be fun and happy.” That it is! In keeping with our awesome logo (just voted #5 on the top ten insurance logos) our offices are happy shades of purple, and yellows, and oranges, and other jovial colors that, well, make you feel all warm like time spent in The Sun should!

That warm feeling extends beyond the paint and furnishings. Jim’s vision is one of community. While the old days of hanging your insurance shingle on the outside of your building and having people walk in off the street may be a thing of the past; offering personal service is not. Here at Sun Insurance Services we strive to educate our clients in whatever insurance matters they need whether that be personal ,  businesses or health/life. It’s not about selling a policy. It’s about providing the best insurance solution possible, and we want you to be informed and have a good understanding of what that means for your own unique situation.

It all starts at the top, and Jim sets a great example for the entire team. His dedication to his vision, along with his perseverance and positive mindset makes working with Jim a delightful experience. You should try it for yourself…contact him today!

Some fun facts about our glowing leader….

  • He is one of 5 children with 3 older sisters and a younger brother.
  • He is very charitable with Emmy’s Heart being a favorite benefactor.
  • His favorite color is Maroon… it’s classic and distinctive (like him).
  • He thinks iTunes is the greatest invention of the 21st century!
  • What he wants you to understand about insurance… That it’s a tool to help plan for catastrophic events not a scam to fleece the public.

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!