Florida-Based Independent Insurance Agency
We partner with top rated carriers to deliver competitive, customized coverage for your home, auto, flood, and business insurance, backed by local expertise and personalized service.
What We Cover
As an independent agency, we shop multiple top-rated carriers to find the right coverage at the right price — for you.
Comprehensive homeowners coverage protecting your most valuable asset from damage, liability, and unexpected loss.
Essential flood coverage available through both NFIP and private carriers, providing critical protection in one of the nation's most flood-prone states.
Liability, collision, comprehensive, and more, with competitive rates tailored to your driving needs and budget.
Business general liability and commercial property coverage to protect your operations, assets, and bottom line.
About Us
Sunshine Underwriters LLC is a Florida-based independent insurance agency specializing in homeowners, flood, auto, and commercial general liability and property insurance.
We partner with top-rated carriers to provide competitive, customized coverage solutions for every client. Our mission is to simplify insurance while delivering reliable protection for what matters most.
With local expertise and personalized service, we help Florida families and property owners feel confident and secure in their coverage.
We work for you, not the insurance company.
We understand the unique risks of living in Florida.
Access to multiple A-rated insurance companies.
Real people, real answers, no call centers.
Featured Partners
As an independent agency, we work with top rated carriers to match you with coverage tailored to your unique situation.
Google Reviews
"Sam was A+ to deal with from start to finish. Super easy going and effective work. Thank you Sam."
"Sam found me great insurance rates for my home and cars! I am happy with the coverage and monthly premium. He explained everything along the way and made it so simple."
"Wow! Sam is fantastic! I reached out for liability insurance for my new business and he delivered same day! He saved me tons of money! Would highly recommend Sunshine Underwriters!"
"Sam is an experienced agent — understanding, patient, knowledgeable & kind. He helped my husband and I with our homeowners insurance and we were very pleased. If you want it done RIGHT, call Sam Runyon."
Meet Your Agent
Licensed Insurance Agent • Florida License #W446458
Sam brings personalized attention and deep local Florida expertise to every client relationship. Whether you're a first-time homeowner, a growing business, or looking to bundle coverage and save, he takes the time to understand your unique situation and find the right solution for you.
Get a free, no-obligation quote today. We'll shop the top carriers and find you the best rate for your situation.