Insurance
August Insurance Review Checklist for Florida Households and Business Owners
Peak hurricane season is the wrong time to discover a gap. Use this checklist before September to confirm your coverage still matches your life.
Insight & guidance
The SunGate insurance blog
199 guides on Florida home, auto, business, workers' compensation and benefits coverage — written by our licensed agents in Lake Mary.
Insurance
Insurance Score, Claims History, and Continuous Coverage: What Actually Moves Your Premium
Before you switch to chase a lower price, understand the rating factors you control. Several of them are worth more than the quote in front of you.
Insurance
Bundling Beyond Home and Auto: Umbrella, Boat, Golf Cart, and Rental Properties
Multi-policy credits usually grow as you consolidate. Bundling the extras also removes the coverage seams where claims get disputed.
Business Insurance
Group Benefits for Teams of Five or More: Comparing Plans Without Cutting Value
In employee benefits, the cheapest plan often shifts cost to your team through networks and deductibles. Retention costs more than the premium difference.
Business Insurance
Business Auto and Hired/Non-Owned Coverage: The Gap in Most Cheap Commercial Policies
If any employee ever drives for work, including in their own car, your commercial policy needs to say so. Personal auto policies exclude business use.
Insurance
Switching Insurance Carriers: The Checklist That Prevents Coverage Gaps
Most switching mistakes are administrative, not financial. A one-day gap or a missed lender notice can cost more than the premium you saved.
Home Insurance
Named Storm Deductibles: Understanding the Real Cost of a Florida Hurricane Claim
Florida property policies use a percentage deductible for hurricane losses. Choosing 5% instead of 2% is the fastest way to a cheaper quote and the slowest…
Business Insurance
Cyber Liability for Small Florida Businesses: A Coverage Most Cheap Policies Exclude
A business email compromise or ransomware event is not a property loss and it is not general liability. Without a cyber policy, it is your own money.
Home Insurance
Home Renovations and Insurance: Update Your Policy Before the Permit Closes
A kitchen remodel, a new roof, or an added bathroom changes your rebuild cost and often your premium in both directions. Telling your agent afterward is…
Insurance
Life Insurance and Term Length: Buying the Right Promise, Not the Lowest Quote
Term life is the easiest place to see how price shopping goes wrong. Two quotes can differ by half because the term, the health class, or the conversion…
Business Insurance
Certificates of Insurance: What Contractors Get Wrong and What It Costs
A certificate that satisfies a general contractor's checklist can still fail the contract behind it. The endorsements matter more than the paper.
Home Insurance
Condo Insurance in Florida: Where the Association Policy Stops and Yours Begins
Condo owners buy the cheapest HO-6 they can find and assume the association covers the rest. The master policy's deductible and its definition of the…
Auto Insurance
Teen Drivers in Florida: How to Add a Young Driver Without Gutting Your Coverage
Adding a teen can raise an auto premium sharply, which tempts families to cut liability limits at exactly the moment they need them most.
Home Insurance
Endorsements Every Florida Landlord Should Add to a Dwelling Fire Policy
A rental property policy priced at the bare minimum leaves out the coverages that make rentals financially survivable after a loss.
Home Insurance
Flood Insurance in Central Florida: Why Your Homeowners Policy Will Not Pay
Flood is excluded from every standard homeowners policy in the country. In Seminole and Orange County, a meaningful share of flood claims come from…
Insurance
Personal Umbrella Insurance: The Cheapest Million Dollars You Will Ever Buy
If minimum limits are the problem, an umbrella is the most efficient solution. It sits above your home and auto liability and costs a fraction of what the…
Business Insurance
Workers' Compensation in Florida: Class Codes, Audits, and Why the Cheapest Quote Rarely Holds
A low workers' compensation quote often means an optimistic class code or understated payroll. Both are corrected at audit, with interest to your cash flow.
Business Insurance
Commercial Property Insurance: Coinsurance, Replacement Cost, and the Clauses That Cut Your Claim
Commercial property claims are reduced far more often by valuation clauses than by outright denials. Understanding three terms protects your balance sheet.
Business Insurance
Small Business Insurance: What a Cheap General Liability Quote Usually Leaves Out
A general liability certificate that satisfies a landlord is not the same as coverage that protects your business. Cheap commercial quotes tend to be…
Auto Insurance
Why Nine Out of Ten Cheaper Auto Quotes Reduce Your Liability Limits
When a competing auto quote comes in dramatically lower, the most common reason is not a better carrier. It is a smaller promise.
Insurance
Reading a Declarations Page: The 10-Minute Coverage Audit Every Florida Household Should Do
Your declarations page is the summary of the deal you actually bought. Ten minutes with a highlighter tells you more than any premium comparison.
Home Insurance
Bundling Home and Auto After a Florida Storm: One Deductible, One Adjuster, Less Chaos
Bundling is usually sold as a discount. Its real value shows up in the week after a hurricane, when you have one carrier, one claim portal, and one adjuster…
Home Insurance
Water Backup, Service Line, and Ordinance or Law: Three Endorsements Worth Every Dollar
Standard homeowners forms leave three predictable gaps. Each one is closed by an inexpensive endorsement most policyholders have never been offered.
Home Insurance
Roof Settlement: Replacement Cost vs. Actual Cash Value on Florida Homeowners Policies
The single largest coverage difference between two Florida home quotes is usually how the roof is paid. It rarely appears on the price comparison and it…
Auto Insurance
Uninsured Motorist Coverage in Florida: The Most Underrated Line on Your Auto Policy
Even a perfectly insured driver can be hurt by someone carrying nothing. Uninsured and underinsured motorist coverage is the part of your policy that…
Auto Insurance
Florida State Minimum Auto Insurance Is Not Enough: Here Is the Math
Florida's minimum financial responsibility law is a floor, not a plan. At SunGate we rarely recommend state minimum liability, because the numbers stopped…
Home Insurance
Home and Auto Bundling in Florida: Real Savings and the Fine Print
Bundling your home and auto with one carrier is one of the few discounts that lowers price without lowering protection. It also simplifies deductibles,…
Insurance
Why You Should Call Your Current Agent Back Before You Switch Insurance
Shopping your insurance is smart. Switching without a second opinion is not. Before you sign a competing proposal, send it to your current agent and let…
Insurance
Endorsements and Exclusions: The Two Lists That Decide Whether Your Claim Is Paid
Most policyholders read the premium and the deductible and skip the two lists that actually decide claim outcomes: the endorsements that add coverage and…
Insurance
Cheaper Is Not Always Better: What Florida Insurance Shoppers Give Up for a Lower Premium
When a Florida policy suddenly costs $600 less than the one you have, the savings almost always came from somewhere. In our experience reviewing competing…
Auto Insurance
Auto Insurance: Do You Need Bodily Injury Liability Coverage?
What to Cover and How to Protect Yourself on the Road If you cause an accident that injures someone, Bodily Injury Liability (BI) coverage helps…
About Insurance
Insurance Discounts: Can You Save by Bundling Home and Auto Policies?
Bundling your homeowners insurance and auto insurance with the same carrier is one of the most common—and often most effective—ways to reduce your premiums. Many…
Auto Insurance
Florida Auto Insurance Requirements
What Are the Minimum Requirements for PIP and Property Damage Liability (PDL) in Florida? If you register and drive a vehicle in Florida, state law…
Home Insurance
Homeowners Insurance and Flood Insurance in Florida and Other Coastal Areas
Is a Separate Flood Policy Needed? How to Know Your Flood Zone Many Florida homeowners are surprised to learn that standard homeowners insurance usually does…
Home Insurance
Homeowners Insurance: Wind and Hurricane Coverage Explained
Windstorm Damage Included, and What Is the Wind/Hail Deductible? Many homeowners assume storm damage is automatically covered under their insurance policy. However, windstorm and…
About Insurance
Can You Get Car Insurance with a DUI and a Foreign Driver’s License?
What International Drivers Need to Know If you recently moved to the United States and have a DUI conviction plus a foreign driver’s license, finding…
Business Insurance
What Businesses Need Fleet Auto Insurance?
Industry Breakdown & Requirements for Transportation, Construction, Trades, Delivery, and Contractors Fleet auto insurance is essential for businesses that rely on multiple…
Business Insurance
Fleet Insurance vs. Commercial Auto Insurance: What’s the Difference?
Choosing the Right Coverage for Your Business Businesses that use vehicles for work need the right type of auto insurance, but many owners are unsure…
Home Insurance
Smart Home Insurance Discount Programs: Save More by Going Smart
FAQs — Smart Home Insurance Discounts Q: What kinds of smart home devices qualify for insurance discounts?A: Insurers often reward devices like smart smoke or…
Insurance
Who Needs Workers’ Compensation Insurance in Florida?
Workers’ compensation insurance is a legal requirement for many Florida employers, but coverage rules vary based on industry type and employee count. Construction businesses face…
Business Insurance
Florida Workers’ Compensation Requirements for Employers: What You Must Know in 2026
FAQs — Quick Workers’ Comp Answers for Employers Q: Which Florida employers are required to carry workers’ compensation insurance? Non-construction businesses with four or more…
Business Insurance
Professional Liability Insurance in Florida: What You Need to Know
Running a business in Florida comes with inherent risks. Even the most careful professionals can face claims of negligence, errors, or omissions that result in…
Auto Insurance
Fleet Auto Insurance in Florida: What Businesses Need to Know in 2026
Managing a business fleet in Florida comes with unique risks—extreme weather, high traffic density, increased accident rates, and rising repair costs. For companies that rely…
Insurance
Florida Workers’ Comp Rates: What Businesses Will Pay in 2026
Industry Breakdown & Cost Trends for Employers In 2026, Florida businesses will benefit from another workers’ compensation rate decrease, with average rates falling by 6.9%…
About Insurance
Benefits of Working With an Independent Insurance Agent
Choosing the right insurance isn’t just about finding the lowest price—it’s about securing the right coverage, proper guidance, and long-term protection. For individuals,…
Insurance
How to Protect Your Digital Life: Why Cyber Insurance Is Now Essential
In today’s hyper-connected world, one wrong click can change everything. From phishing emails to ransomware to identity theft, modern cyber threats are more aggressive—and more…
Business Insurance
Contractors Workers’ Compensation
Enhancing Workplace Safety and Employee Well-being Contractors Workers’ Compensation insurance is a vital safeguard for construction businesses and employees alike. It ensures…
Auto Insurance
Business Auto Insurance Protection for Contractors
Tailored Commercial Auto Coverage for Your Company’s Fleet In today’s fast-moving business landscape, mobility drives success. Whether you own a small contracting business, manage…
About Insurance
Small Commercial Construction Insurance in Florida
Protecting Contractors with Tailored Insurance Solutions In the fast-moving world of small commercial construction, success depends on more than just craftsmanship — it requires…
Business Insurance
Contractor Insurance: Protecting Your Business and Managing Risks
Contractor Insurance Contractors play a vital role in the construction industry, contributing to the creation of infrastructure, buildings, and homes. However, the nature of their…
Business Insurance
Types of Construction Insurance – Risk, Liability, Auto
Construction Insurance Construction insurance is a crucial component of the construction industry, as it helps protect construction businesses, contractors, and other stakeholders…
Business Insurance
What is Contractors’ All Risks (CAR) Insurance?
Contractors’ All Risks (CAR) Insurance Contractors’ All Risks (CAR) Insurance is a specific insurance policy created to provide coverage for contracting/construction projects.…
Business Insurance
Food Truck General Liability and Commercial Auto Insurance
Food Truck Insurance It is time for you to keep your food truck protected with customized insurance policies that will meet the needs of your…
Business Insurance
Examples Of Commercial Risks You Might Need Insurance For
Commercial Risks Insurance There are several commercial risks that organizations face, and having adequate insurance is essential for protecting against potential losses of a…
Business Insurance
When Should an Entrepreneur or a Freelancer Use Personal Insurance vs. Commercial Insurance
Freelancer Personal Insurance vs. Commercial Business Insurance As an entrepreneur or a freelancer, it is crucial to consider the right insurance coverage for your business.…
Business Insurance
What is Cyber Liability Insurance?
Cyber Security Insurance for Businesses In today’s digitally connected world, businesses are becoming increasingly vulnerable to threats of the cyber kind. Data breaches have…
Business Insurance
Wholesale-distribution Insurance Coverage
Insurance Coverage for Wholesalers Wholesale-distribution organizations and businesses play key roles in supply chains. They act as intermediaries between retailers and…
Business Insurance
Food Service Insurance
Food Service Insurance The operation of a food service business is rife with risks and challenges in its own right. If you own a food…
Business Insurance
What is commercial business crime insurance?
Protecting Your Business from Financial Loss: Understanding the Importance of Insurance for Commercial Offenses Crime insurance on the commercial front is an insurance coverage…
Business Insurance
What is commercial risk insurance?
Protecting Your Business: Understanding the Basics of Commercial Risk Insurance Running a business comes with various risks that could potentially jeopardize its survival. These…
Business Insurance
How to Find the Best Commercial Risk Insurance for Wholesaler and Distributors
Wholesaler and Distributors Business Insurance As a distributor and wholesale business you play an important role in the supply chain. Without you, transporting products from…
Business Insurance
Commercial Business Insurance: Durable Goods Wholesalers
Protecting Your Business: Why Durable Goods Wholesalers Need Comprehensive Commercial Insurance Commercial business insurance is a crucial consideration for durable goods…
Business Insurance
Commercial Business Insurance: Fabricated Metals Manufacturing
Fabricated Metals Manufacturing Commercial Risk Insurance Similar to any other business, the fabricated metals manufacturing companies are vulnerable to risks. In fact, there are…
Business Insurance
Commercial Business Insurance: Food Products Manufacturing
Protecting Your Food Manufacturing Business: A Guide to Commercial Insurance Options Commercial business insurance is an essential aspect of protecting any business, and it is…
Business Insurance
Commercial Business Insurance: Nondurable Goods Wholesalers
Protecting Your Non-durable Goods Wholesale Business: Understanding Commercial Insurance Options As a non-durable goods wholesaler, your business is an integral part of the supply…
Home Insurance
Florida Law May Make You Buy Flood Insurance
Flood Insurance in Florida Many homeowners wrongly assume that their homeowners insurance policy covers for flood damages as well. The regular homeowners insurance policy does…
Auto Insurance
Non-Emergency Medical Transportation Commercial Auto Insurance
Do you need auto insurance for non emergency medical transportation? As a non-emergency medical transportation business, you know how important your services are to a…
Home Insurance
What does landlord insurance cover?
Landlord Rental Property Insurance As a landlord, owning a rental property comes with a unique set of risks that need to be protected against. Landlord…
Home Insurance
Florida Homeowners Insurance Quote For New Construction
New Construction Insurance in Florida Are you searching for Florida homeowners insurance quote for new construction? Estimate your home value correctly, otherwise, you will…
Business Insurance
What are the insurance requirements for handymen in Florida?
Handymen Insurance in Florida Handymen in Florida are required to have insurance to protect themselves in case there is an accident or damage while working…
Business Insurance
Insurance Requirements for a General Contractors (GC) License in Florida
General Contractors (GC) Insurance Insurance is an essential aspect of being a general contractor. It provides protection for both the contractor and their clients in…
Business Insurance
Residential remodeling and maintenance contractor business insurance options
Small Commercial Construction Company Insurance Are you a small commercial construction company specializing in residential remodeling and maintenance? Take advantage of our…
Auto Insurance
Common Professions That Need Commercial Auto Insurance in Fl
Commercial Auto Insurance Businesses in Florida need different types of insurance policies. Auto insurance is an important aspect of business protection. Vehicles face a variety…
Business Insurance
What Does a Contractors’ Insurance Policy Cover?
Contractors’ Insurance Policy If you are running a business, then there are certain important types of insurance you need to be aware of. These insurance…
Home Insurance
Smart Home Technology Safeguards Houses and May Lower Your Insurance
Smart Home Technology and Insurance Discounts Smart homes are fast-growing in popularity. A smart home is one where household appliances are all connected to the…
Auto Insurance
What Type of Insurance Does a Food Truck Need?
Food Truck Insurance If you are in the food business, then you probably have a food truck. A food truck is a great option to…
Home Insurance
What Is Builder’s Risk Homeowners Insurance?
Builder’s Risk Insurance Builder’s risk homeowners insurance is a way for you to protect your house during the phase of construction, or should you be…
Home Insurance
New Home Construction Insurance For The Davenport, FL And Surrounding Area
New Home Construction Insurance in Florida A lot goes into the construction of your dream home. You need to get down to the details, from…
Home Insurance
Will a New Roof Lower Your Homeowners Insurance Premiums?
Save money on home insurance with a new roof Have you got a new roof for your home? If so, did you know the new…
Home Insurance
Homeowners Insurance for a New Construction Home
New Construction Home Insurance in Florida Building a new home is an exciting milestone — and one of the biggest financial investments you’ll ever make.…
Home Insurance
Are newer houses cheaper to insure?
New home insurance If you are building a new home, then you would be planning to get it insured. Homeowners insurance is very important since…
Business Insurance
Contractors’ General Liability and Commercial Auto Insurance
Contractors’ Insurance Contractors’ insurance policy covers a business from catastrophic financial debts, which can pop up due to work-related accidents. It is imperative to…
Auto Insurance
Commercial Auto Insurance in Florida
Commercial Auto Insurance The aim of commercial auto insurance is to cover the expenses and bills if a vehicle owned by a business meets with…
Home Insurance
What are the Different Types of Home Insurance Coverage
To dive into detailed knowledge about homeowners insurance, you must better understand the different coverage an Insurance Agency provides. Interior Damage In case of a…
Business Insurance
Insurance for Small Businesses: Commercial Property & Casualty
Commercial Property & Casualty Insurance Commercial property and casualty insurance for small businesses is insurance designed to protect small businesses. Commercial property…
Home Insurance
Home Insurance: Contents coverage
Contents Coverage Insurance When you move into a house whether you are a renter or the owner the place can fill up quickly with things.…
Home Insurance
Home Insurance: Personal liability
Personal Liability Insurance Personal Liability absolves you from the responsibility of someone getting injured at your property for whatever reason. It also covers the medical…
Home Insurance
Florida Luxury Home Insurance Policies
Florida Luxury Home Insurance Luxury homes are a great investment for anyone looking to grow their investment portfolio. Homes in Florida are already priced high…
Home Insurance
Home Insurance: Dwelling Coverage
Dwelling Coverage When insuring your home you will find that many of the insurance agencies will cover almost everything in the house. Whether it be…
Home Insurance
A Smart Water Sensor Can Save You Money on Home Insurance and Damage
When it comes to protecting your home, smart water leak sensors are a must-have investment. These intelligent devices provide early leak detection, automatically shut off…
Home Insurance
How Much Home Insurance Do I Need?
Home Insurance You know that you need a home insurance policy to protect your property – but exactly how much insurance do you need? It…
About Insurance
What Does an Insurance Consultant Do?
Insurance Consultant Insurance coverage is required for almost everything – homes, vehicles, life, etc. It is difficult to decide which insurance agency to choose and…
Insurance
Free Insurance Review – Do You Have the Best Coverage and Rates?
Changes in Your Life? Make Sure You Have the Best Insurance and Rates As your needs evolve, shouldn’t your insurance coverage evolve, too? Let us take…
Insurance
Bundle Insurance Policies and Save Money
Frequently Asked Questions About Bundling Insurance 1. What does it mean to bundle insurance policies?Bundling means purchasing multiple types of insurance—like auto, home,…
Insurance
What Does A Business Liability Insurance Cover?
Business Liability Insurance Like individuals, businesses also require insurance to protect themselves against risks. Some possible events covered by insurance are – damage to…
Business Insurance
Workers Compensation Insurance for Small Business
Workman’s Comp If you own and operate a small business, selecting a “Worker’s Compensation Insurance” is mandatory by law. It covers the lost wages and…
Insurance
Sungate Insurance Agency: Your Local Orlando Insurance Broker
Orlando Insurance Broker Whether insuring your home, your car, or your business, it pays to stay local! At Sungate Insurance Agency, we understand the unique…
Business Insurance
How Much Does Small Business Health Insurance Cost Per Employee?
Small Business Health Insurance Cost As the cost of health care increases every year, more and more prospective employees are looking to their employers to…
Business Insurance
8 Tips to Help You Keep your Business Insurance Premiums Low
Keep your Business Insurance Costs Low Running a successful business can be expensive and some days, it can feel like all you do is pay…
Business Insurance
Does Your Business Need Commercial Casualty Insurance?
Question: I’m trying to keep my insurance costs down. Do I really need commercial casualty insurance? Answer: Yes. In all likelihood, your business needs to…
About Insurance
What is the Difference Between Casualty Insurance and Property Insurance?
Commercial Casualty Insurance Commercial casualty insurance is an umbrella term for any type of insurance that covers damage caused by your business, including health care…
Home Insurance
Your Guide to High Value Home Insurance
High Value Home Insurance Home owners insurance is designed to offer you financial protection just in case your home and personal possessions are damaged or…
Business Insurance
7 Most Common Types of Business Insurance
Types of Business Insurance After all the hard work you have put into starting your small business, you want to be sure that your success…
Insurance
SunGate Insurance Agency Wins 2020 Best Insurance Award
2020 Best Insurance Award The Best Insurance Awards judging panel of industry specialists honored SunGate Insurance Agency with the 2020 Best Insurance Award based on…
Insurance
How to Choose the Best Workers’ Compensation Insurance
Best Workers’ Compensation Insurance It’s one of those unfortunate but unavoidable facts of life: accidents happen. And when accidents happen on the job, the results…
About Insurance
When Do You Really Need Insurance for Your Business?
Business Insurance Needs When you are trying to make your business—big or small—a success, cutting down on unnecessary expenses is a must. And it’s easy—and…
Business Insurance
8 Ways to Lower Your Business Insurance Costs
Lower Business Insurance Costs A comprehensive insurance package that protects your business from the unexpected—and the worst case scenario—is a necessary business expense. But…
Auto Insurance
What’s is Best – Adding a Teen Driver to Your Policy or Purchasing a Stand-Alone Policy in Florida?
Car Insurance for Teen Drivers in Florida Your teenager finally has their driver’s license—an exciting milestone for them, and a nerve-wracking one for parents. As…
Business Insurance
What kind of insurance do I need for my lawn care business in Florida?
Protect Your Landscaping Business with the Right Insurance Coverage With an average of 237 days of sunshine each year, Florida is the perfect place for…
About Insurance
Business Insurance for CPR and First Aid Instructors in Florida
Insurance for CPR and First Aid Instructors Your business is teaching people how to save lives in worst-case scenarios. Our business—as your independent insurance agent—is…
Auto Insurance
Cheap Car Insurance vs Expensive Car Insurance
Cheap Car Insurance vs Expensive Car Insurance: What’s the Difference? At Sungate Insurance Agency, our goal is to help you find the right car insurance at a…
Business Insurance
Types of Insurance You Need to Protect Your Business
Ensure that Your Business is Properly Insured: 6 Types of Insurance Your Business Needs When you’re starting a business and worried about your bottom line,…
Insurance
What Does An Insurance Broker Do?
FAQs about Insurance Brokers: What Does an Insurance Broker Do and Other Critical Questions! As an insurance agency, we get asked a lot of questions…
About Insurance
Florida Luxury Home Insurance | Free Quotes
What is Luxury Home Insurance? Also called “High Value Home Insurance”, luxury home insurance is a special type of homeowners insurance designed to offer comprehensive…
Insurance
What you need to know about flood insurance in Florida
6 FAQs about Protecting Your Home from Storm Damage in Florida: What You Need to Know about Flood Insurance! While there are lots of reasons…
Insurance
How Much Will It Cost To Insure My Multimillion Dollar Home?
High Value Home Insurance Every responsible home owner should have a high-quality homeowners insurance policy that will protect their assets—both the home itself and the…
About Insurance
9 Things You Should Know About High Value Homeowners Insurance
High Value Homeowners Insurance If you own a home, you know that you need a good homeowners insurance policy to protect you from significant financial…
About Insurance
Your Travelers Auto Insurance Agent in Lake Mary, FL
As a Travelers Independent Car Insurance Agent, we always find the coverage that’s best for you. We work with a number of different insurance companies…
About Insurance
Your Furry Pet Friends Matter in Home Insurance Claims
To add a little more fun in the house, a growing number of homeowners like to have some pets. Dogs are the usual household pets…
About Insurance
Will My Homeowners Insurance Cover Home Improvement Projects?
A home improvement project is a step-by-step process. First, you create a plan. The planning phase entails rounding up ideas for home remodeling. That may…
About Insurance
Lower Your Florida Hurricane Deductible
Hurricane Season is here and now is the time to start reviewing your Hurricane Deductible! Get rid of your standard 2% Florida hurricane deductible. You…
About Insurance
How much does Florida restaurant business insurance cost?
What Does Restaurant Insurance in Florida Cost? To your patrons, running a restaurant looks a piece of cake: put together a menu, hire a chef…
About Insurance
Florida Insurance Spending: What Insurance do Floridians Spend the Most On?
Automobile Homeowners Worker’s Compensation Commercial Ocean & Inland Marine Fire Federal Food Medical Professional Liability Mortgage Guaranty Accident & Health Contact SunGate…
About Insurance
Florida Businesses: These 5 Types of Insurance Need to Be Considered
Running a small business successfully is one of the hardest things you can do in life. It takes years of hard-work, sweat, and tears to…
About Insurance
Factors to Consider When Choosing Auto Insurance
How do I choose an Insurance company? This question is very popular amongst people who are looking for the perfect insurance for their vehicles, home…
About Insurance
5 Technologies that can make a Safer Home
Home safety technologies have blossomed over the past few years. Some are designed to help catch criminals and ensure safety. Meanwhile, others are designed to…
About Insurance
HVAC Business Insurance Options
The year-round warmth here in the Sunshine State of Florida makes our beautiful state a wonderful place to live and do business. At the same…
Insurance
How Much Does Business Insurance Cost for Plumbers?
Plumbers play a key role in the contracting world and with the contracting business booming right now, plumbing can be both a rewarding and a…
Insurance
How Much Does General Contractor Insurance Cost?
General contractor’s insurance: it’s one of those business expenses that you might be tempted to forego in an effort to save a little money. After…
Insurance
How Much Does Business Insurance Cost for Electricians?
Running an electrical contracting business requires more than the professional skills required to correctly install and repair wiring and circuits. Regardless of whether you…
Insurance
Business Liability Insurance for Floor and Carpet Installers
Business Liability Insurance for Flooring Specialists Repairing, maintaining, and installing flooring in residences and commercial buildings is a critical part of a construction…
Insurance
Lawn, Garden and Landscaping Maintenance Commercial Insurance
Commercial Insurance for Lawn, Garden, and Landscaping Contractors The Sunshine State is a great place for anyone interested in a career in landscaping and/or lawn and…
Insurance
How much does small business insurance cost?
Finding the Right Small Business Insurance at the Right Price If you own and/or operate a small business, you know that even with the best planning…
Insurance
HVAC Insurance – Coverage for Air Conditioning and Heating Contractors
HVAC contractors are in high demand across the country, but especially here in hot, moist Florida, where high-tech air conditioning systems are a necessary must-have…
Insurance
Business Insurance for Drywall Installers, Plasterers, and Painters
Drywall installation, plastering, painting, and papering are a critical specialty in today’s construction industry. Whether you work in residential construction, commercial…
Insurance
General Liability Insurance for Carpentry Services
In today’s booming economy, skilled and experienced carpenters are in high demand! Indeed, in many areas across the country, the need for individuals with carpentry…
Insurance
What does Homeowners Insurance Cover and how much does it cost?
Whether you are purchasing your first home, upgrading to a family-sized “dream house”, or getting comfortable and cozy for retirement, purchasing a home is an…
Insurance
Business Insurance for Plumbers
Skilled and experienced plumbers are in high demand in today’s busy real estate market. From installing and maintaining new systems in commercial and residential real…
Insurance
Insurance Coverages for General Contractors: What Does Your Business Need?
It’s a great time to be a general contractor in Orlando, where building is booming! According to a January 2018 article in The Orlando Business…
Insurance
What Type of Insurance Does My New Restaurant Need in Florida?
Opening a new restaurant is an exciting, demanding challenge. Some of these challenges are fun: creating a fun yet sophisticated atmosphere and choosing a tasty…
Insurance
5 Reasons Why You Should Choose a Local Home Owners Insurance Agency
Your house is your greatest financial asset. More importantly, though, it is your home, the focus around which your whole life revolves: where you come…
Insurance
Why Choose an Independent Insurance Agent?
It can feel like every time you turn on the TV, there’s another advertisement from a major insurance company promising to secure you the cheapest…
Insurance
Simple Improvements That Can Help Save Your Money on Home Insurance
When it comes to protecting your home, you can never be too careful because you cannot be completely sure that your house is safe from…
Insurance
How To Get Renters Insurance in Florida
What is “Renter’s Insurance”? Over time, we all accumulate lots and lots of possessions. Most of our “things” are basic household necessities we don’t even think…
About Insurance
Florida Boat Insurance
What Is Boat Insurance? Did you know that Florida leads the nation in the number of registered recreational boats? With our year-round inviting climate and…
Insurance
Does Your Home Insurance Cover Digital Files?
A recent survey of 26 insurance companies uncovered that more than 70% of them offered coverage to some extent on the digital content of homeowners.…
Insurance
What is Commercial Casualty Insurance?
Also known as commercial liability insurance, commercial casualty insurance protects your business against financial loss due to injury and/or property damage. For instance,…
Insurance
Protect Your Business Property With Commercial Property Insurance
You already know that if you own your own home (or hold a mortgage on your home), you must insure that home, as well as…
Insurance
Is jewelry and engagement ring insurance covered under my home insurance?
Insurance Coverage for Engagement Rings and High-Value Jewelry One of the most common questions we receive at Sungate Insurance Agency is whether engagement rings, wedding…
Insurance
Why & How To Buy Flood Insurance in Florida
“My house isn’t on a ‘Flood Zone’ map, so I don’t need flood insurance. Right?” Wrong! If you live in Florida, chances are that you…
Insurance
Do you need business auto insurance?
If your employees drive vehicles owned by your company, business auto insurance is a must. But saving money is a must, too! Contact our corporate…
Insurance
Protecting Your Business Against Cyber Attacks
If your business has an online presence, it can be targeted for attacks. We hear about high-profile and big companies being targets, but that does…
Insurance
5 Steps To Protect Your Home Against Hurricanes
Going against hurricanes seems like an impossible task. Strong winds, heavy rain, and flooding may seem too much to handle for your home. You may…
Insurance
5 Misleading Facts About Liability Insurance For Business
Business owners nowadays are well aware that liability insurance is essential to safeguard the company’s operations. There are countless possible risks surrounding your business,…
Insurance
6 Guidelines To Car Insurance For Beginners
It can sometimes seem ironic buying insurance. Still, most people see to it that they buy it hoping they will never have to use it.…
Insurance
4 Major Limitations In Your Home Insurance Coverage
Many policyholders do not understand everything about their home insurance. It’s understandable because many insurance agents don’t go through this information with their clients.…
Insurance
5 Things You Can Do to Save Money on Your Business Insurance
You started your business because you want to make money. To build an effective business, you need to reduce your expenses and increase your profit…
Insurance
4 Tips To Avoid Home Insurance Contractor Scams
A storm can happen any time of the year, people here in Orlando are most wary of storms during hurricane season but severe thunderstorms and…
Insurance
4 Things You Should Check In Your Home Insurance Policy
You might want to avoid using your homeowners insurance if you can, however accidents happen and there is a time when you’re going to have…
Insurance
5 Ways To Get A Lower Rate On Business Car Insurance
Having a business that requires a number of company vehicles can be a bit complicated. Depending on the nature of your business, you may have…
Insurance
What is Technology Errors and Omissions Insurance?
Insurance for technology errors and omissions is a new line of coverage. It is used whenever a technology service or product fails. Most companies, especially…
Insurance
How to Handle Car Insurance When You Move To Florida
If you are moving to Florida car insurance is probably not one of the most pressing issues on your mind. Is there a need to…
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5 Questions to Ask For The Best Renters Insurance
One of the biggest mistakes you can make if you are shopping for renters insurance is getting a policy that doesn’t adequately cover your belongings.…
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Home Insurance Coverage
Need Help to Review Your Insurance? Contact Us. GET A FREE INSURANCE QUOTE Contact SunGate Insurance Agency today learn more about the type of insurance…
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4 Things to Consider Prior To Buying Business Insurance
Running a business is not easy and it takes a lot of effort. Prior to starting the business, you placed an investment. And you don’t…
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What You Need To Know About Insuring Your Backyard Pool
Having a swimming pool in your backyard will be a nice luxury over the next few months as you spend time with your family and…
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Looking for Auto Insurance Coverage?
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Does My Auto Insurance Policy Cover Broken Glass?
Whether it’s a chip or a crack, having your windshield repaired or replaced is very important. The damage could have numerous causes, such as rock…
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Top Tips on Protecting Your Small Business
A business owner is responsible for reducing the risks and keeping the business running. But how do you limit the risk of a lawsuit to…
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All About Student Housing Insurance
When you go away for college, you may be thinking of class schedules and late night parties. Someone stealing your things or a dorm fire…
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Getting Insured Even with a DUI
If you’ve been convicted of driving under the influence (DUI), you probably have a lot of questions on your mind. The answers to your question…
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3 Helpful Home Business Insurance Tips
We all know that the best way to protect your home business is through insurance. Since no two insurers are the same, you may get…
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Home Insurance: Spoiled Food and Power Outages
From meat to frozen dinners, you may have a lot of food inside your freezer or refrigerator. Much of these foods can become spoiled if…
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A Guide to Small Business Insurance
When most businesses get started, they tend to focus on doing things right without always paying enough attention to the risks. No business, even a…
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Why you SHOULD Insure your Home-Based Business
Do you work from home? You might assume that your homeowners insurance policy covers the business your run at home. But the truth is that…
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Does your Homeowners Insurance Cover Water & Mold Damage?
Water is one of the most important foundations of life. Without water we cannot exist. We drink it for hydration, bathe in it to feel…
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4 Questions We Always Ask for Car Insurance Quotes
Life is unpredictable. Car insurance gives you financial protection and peace of mind. It’s also your responsibility to fellow drivers on the road. If this…
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Getting Started with Business Insurance?
If you don’t have insurance for your business yet, you may be wondering which type of coverage is right for your venture. While you may…
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Home Warranty vs. Home Insurance – What’s the Difference?
A home is a place for peace and relaxation, especially when everything is functioning well. But owning a home entails costly maintenance, from repairing appliances…
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How Car Accidents Affect your Driving Record and Insurance Premiums
Who wants to remember the unpleasant experience of getting into an accident? No one! But auto insurers still keep track long after fixing your car.…
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5 People That Should Be Listed on Your Car Insurance
Living in a house with several cars and many adults eligible to drive can make your auto insurance coverage confusing. Figuring out who you should…
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Flood Insurance: Why We Need it Here in Florida
It’s hard to to a week without seeing another story on the news about major flooding somewhere in the United States. The amount of damage…
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Do I Have to Purchase Rental Car Insurance?
We’ve all been there before, standing at the car rental counter going through the options on a rental car you’re about to drive away in…
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7 Types of Insurance Every Business Must Consider
Most entrepreneurs today, especially new business owners, are confused with the kind of insurance their business needs. Since there are various types to choose from…
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Why Is Business Insurance Important
Business insurance can be a complex subject, with many internal variables that need to be examined before a wise decision can be made. For this…
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What’s the Best Auto Insurance Company for Me?
Choosing the right auto insurance company is very important since they will be the one to help you settle any auto related mishaps in the…
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How Weather and Crime Affect Your Home Insurance Rates
Did you know that homeowner insurance policies are generally more expensive for those of us who live in high risk areas than for those of…
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4 Things to Consider With Any Business Insurance Quote
Shopping for business insurance? It’s only natural to focus on the price of the different quotes that you get. While here at SunGate Insurance Agency…
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7 Ways to Reduce Your Home Insurance Bill
No one likes paying for home insurance, but it’s a necessary evil for homeowners here in Florida. This doesn’t mean you have to pay through…
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Pop Quiz: Florida Auto Insurance Truths and Myths
There’s a lot of information out there about car insurance that’s just plain false. We thought it’d be fun to make a pop quiz to…
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Homeowner’s Insurance in Florida – Choosing the Right Policy
As a homeowner in Florida, you are required by law to carry homeowner’s insurance. Unfortunately, many people do not carry the right homeowner’s insurance or…
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Saving Money on Car Insurance for Older Drivers
At The SunGate Insurance Agency here Lake Mary, we have lots of lots of clients who are senior citizens and in our experience they’re usually…
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Three Ways to Save on Auto Insurance for Teen Drivers
Adding a teen driver to your auto policy can be a painful experience. One, you don’t want to let them drive your brand new car…
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Schedule a Free Insurance Review and Quote
A professional inspection of your insurance policies can save you time and money! Make sure your policies support your individual insurance needs and goals. Coverage…
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How to Change Homeowners Insurance Paid Through Escrow
Can I Change My Homeowners Insurance If It’s Paid Through an Escrow Account? Most people will only buy and own one, or maybe two, homes…
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Moving to Orlando – What Do I Need to Do For My Car?
Did you know over 1000 people move to Florida every day? As amazing as that sounds, it’s not surprising to us because we get so…
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7 Costly Home Insurance Mistakes to Avoid
Many home owners make the mistake of living comfortably in their homes thinking that as long as they have purchased any home insurance policy they…
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6 Most Common Causes of Car Accidents & Injuries in Florida
In spite of the development of improved safety features, around ten million people are involved in car accidents in the United States every year. Fortunately…
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7 Home Fire Hazards You Need to Know About
It’s a sad fact that most of the fatalities and injuries caused by fires in the home are easily preventable. The rate of deaths resulting…