About Sunshine State Insured

Florida's homeowners insurance market is the most complex in the nation. Sunshine State Insured was founded in 2024 to provide clear, honest, and local answers to the questions homeowners are asking.

Whether you've been dropped by your carrier, received a takeout letter from Citizens, or are wondering how to lower your premium, our goal is to provide the data and insights you need to make the best decision for your home.

Our Expertise

We focus exclusively on the Florida market. Our contributors are experts in Florida insurance legislation, wind mitigation standards, and the unique risks associated with coastal living.

Transparency & Trust

We believe in radical transparency. We don't hide the facts about rate increases or carrier exits. Instead, we help you find practical options—like new carriers entering the market or state-funded mitigation programs.