Florida-Based Independent Insurance Agency

Protecting What
Matters Most
in Florida

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.

Our Services
Licensed in Florida | License #W446458 | Local Agent

Insurance Solutions for Every Need

As an independent agency, we shop multiple top-rated carriers to find the right coverage at the right price — for you.

Home Insurance

Home Insurance

Comprehensive homeowners coverage protecting your most valuable asset from damage, liability, and unexpected loss.

Flood Insurance

Flood Insurance

Essential flood coverage available through both NFIP and private carriers, providing critical protection in one of the nation's most flood-prone states.

Auto Insurance

Auto Insurance

Liability, collision, comprehensive, and more, with competitive rates tailored to your driving needs and budget.

Commercial Insurance

Commercial Insurance

Business general liability and commercial property coverage to protect your operations, assets, and bottom line.

Aerial view of Florida property
Serving Florida Since 2017

Independent. Local.
Trustworthy.

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.

Independent Agency

We work for you, not the insurance company.

Local Florida Expertise

We understand the unique risks of living in Florida.

Top-Rated Carriers

Access to multiple A-rated insurance companies.

Personalized Service

Real people, real answers, no call centers.

Trusted Carriers We Work With

As an independent agency, we work with top rated carriers to match you with coverage tailored to your unique situation.

Mercury Insurance Citizens Insurance Heritage Insurance American Traditions Insurance Universal Property Insurance AIIG Bass Underwriters Tapco Neptune Flood USLI Wright Flood Trusted Choice Mercury Insurance Citizens Insurance Heritage Insurance American Traditions Insurance Universal Property Insurance AIIG Bass Underwriters Tapco Neptune Flood USLI Wright Flood Trusted Choice

What Our Clients Say

★★★★★
5.0 Rating on Google
★★★★★

"Sam was A+ to deal with from start to finish. Super easy going and effective work. Thank you Sam."

K
Kyle Eipel Google Review
★★★★★

"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."

A
Ashley Miller Google Review · Local Guide
★★★★★

"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!"

A
Amy Google Review
★★★★★

"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."

C
Carlos Redhead Google Review
Samuel Runyon - Insurance Agent at Sunshine Underwriters

Samuel Runyon

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.

Mobile (727) 422-5314
Email sam@sunshineuw.com
Fax (727) 205-9951
Office 3001 Executive Dr, Suite 160
Clearwater, FL 33762

Ready to Get Covered? Let's Talk.

Get a free, no-obligation quote today. We'll shop the top carriers and find you the best rate for your situation.

Call (727) 422-5314