Clearwater, FL ยท Our Home Base

Home, Auto & Business Insurance
in Clearwater, FL

Sunshine Underwriters is an independent insurance agency based in Clearwater. We help residents and business owners throughout the area find the right coverage from multiple top-rated Florida carriers.

Call (727) 422-5314
Clearwater, FL Office | License #W446458 | Independent Agent

Serving Clearwater

Local Insurance From a Clearwater Office

Sunshine Underwriters LLC is located at 3001 Executive Dr, Suite 160 in Clearwater. This is our physical office, not a virtual address. When you work with us in Clearwater, you're working with an agent who drives the same roads, understands the local flood zones, and knows which carriers are actively writing in Pinellas County right now.

Clearwater clients often have questions about coastal home coverage, flood insurance, condo policies, and windstorm deductibles. We work with multiple Florida-licensed carriers so we can compare options across companies instead of giving you one answer from one insurer.

Samuel Runyon, Florida License #W446458, works directly with each client at (727) 422-5314 and sam@sunshineuw.com. No call centers, no handoffs.

Licensed in Florida
Multiple Top-Rated Carriers
5.0 Stars on Google

Request a Free Quote

Tell us about your coverage needs and Sam will follow up with options tailored to your property or business.

or call (727) 422-5314

Coverage We Offer

What We Can Help You With in Clearwater

We shop multiple carriers to find the right fit for each type of coverage. Here's what that looks like for Clearwater clients.

Home & Condo Insurance

Clearwater's property landscape ranges from mid-century single family neighborhoods to high-rise condos on Clearwater Beach. A standard homeowners policy (HO3) covers your structure, personal property, and liability. If you own a condo unit, an HO6 policy fills the gaps left by your association's master policy. We work with carriers familiar with Florida's property market to find competitive options, even for coastal or high wind exposure properties where coverage can be harder to place.

Flood Insurance

Florida leads the nation in flood insurance policies, and Clearwater's Gulf Coast location makes flood coverage a serious consideration for many homeowners, not just those directly on the water. Standard homeowners and condo policies do not cover flood damage. We work with both NFIP backed programs and private flood carriers, which gives us flexibility to find coverage that matches your property's flood risk and your budget.

Auto Insurance

Clearwater and the broader Pinellas County road network see significant traffic, especially during season. Florida requires a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability, but many drivers carry more to protect themselves adequately. As an independent agency, we compare rates across multiple carriers so you're not limited to a single company's offering when shopping for liability, comprehensive, or collision coverage.

Commercial Insurance

Clearwater has a busy hospitality, retail, and service business community, particularly around Clearwater Beach and the Executive Drive corridor. Commercial general liability protects your business against third party injury and property damage claims, while commercial property coverage protects your physical assets, inventory, and equipment. We work with business owners to build a coverage package suited to the type and scale of their operations.

Why It Matters

Why Work With an Independent Florida Insurance Agency?

When you buy coverage through a captive agent, one who represents only a single insurance company, your options are limited to that company's products and pricing. An independent agent like Sunshine Underwriters has access to multiple carriers, which means we can compare coverage terms and rates on your behalf and present you with options that actually fit your situation.

In Florida's complex insurance environment, that flexibility matters. Carrier availability, pricing, and underwriting guidelines change frequently, especially for coastal and wind exposed properties. Having an agent who works across multiple carriers gives you more avenues when one door closes.

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We work for you, not the carrier

Our job is to find you the best available option, not to sell you a specific company's product.

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Access to multiple A rated carriers

We work with a range of admitted and non admitted Florida carriers across home, flood, auto, and commercial lines.

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Local knowledge, personal service

Sam is based in Clearwater, understands Florida's market, and handles your account directly.

Samuel Runyon - Licensed Insurance Agent
Samuel Runyon Licensed Insurance Agent
Florida License #W446458

Local Context

Coverage Considerations in Clearwater

These are broad themes relevant to many Clearwater property owners and drivers, not prescriptive advice for every situation.

Coastal & Wind Exposure

Properties near Clearwater Beach and the Gulf are subject to wind related risks during hurricane season. Florida homeowners policies include wind coverage in most cases, but high wind exposure properties can sometimes require coverage through the Citizens Property Insurance Corporation or specialty markets. Understanding your policy's wind deductible is important.

Flood Zone Awareness

Flood zones in Pinellas County include areas well inland from the immediate shoreline. FEMA flood maps designate risk levels, but those maps are updated periodically and do not capture all localized flooding risk. A separate flood policy, through NFIP or a private carrier, is worth discussing regardless of whether your lender requires it.

Condo Association Coverage Gaps

Many Clearwater condo associations carry a master policy that covers the building exterior and common areas. That policy typically does not cover your unit's interior finishes, personal belongings, or personal liability. An HO6 policy fills those gaps. Reviewing what your association's master policy covers is a useful first step before selecting your own coverage.

Short-Term Rental Properties

Clearwater Beach and surrounding areas attract significant vacation rental activity. Standard homeowners policies may exclude or limit coverage when a property is rented out to guests. If you rent your home or a unit on a short-term basis, it's worth reviewing your policy terms and exploring options designed for rental use.

Business Property & Liability

Clearwater's commercial corridor along US 19, Gulf to Bay Blvd, and the beach side hospitality zone are home to a wide range of businesses. Commercial GL and property coverage are foundational for most business operations, protecting against third party claims and insuring physical assets like equipment, inventory, and improvements.

Auto Coverage in Pinellas

Traffic volume in Clearwater and across Pinellas County is substantial, particularly during winter months when seasonal residents return. Florida's no fault auto insurance system requires PIP and property damage liability at a minimum, but carrying only the legal minimum leaves significant financial exposure in the event of a serious accident.

Service Area

Nearby Communities We Also Serve

From our Clearwater office, we work with clients throughout the surrounding Pinellas County communities and beyond.

Largo Dunedin Safety Harbor Palm Harbor Pinellas Park Belleair Belleair Beach St. Petersburg Tarpon Springs Oldsmar

Common Questions

Clearwater Insurance FAQs

Does Sunshine Underwriters have a physical office in Clearwater?

Yes. Our office is located at 3001 Executive Dr, Suite 160, Clearwater, FL 33762. You can reach us by phone at (727) 422-5314 or by email at sam@sunshineuw.com. We serve clients throughout Clearwater and the surrounding Pinellas County area.

Do I need flood insurance if I'm close to Clearwater Beach?

Many properties in and around Clearwater, particularly those near the Gulf, waterways, or low elevation areas, fall within designated flood zones. Standard homeowners policies do not cover flood damage, so a separate flood policy is often worth considering. We can help you evaluate options through both NFIP and private flood carriers.

What's the difference between a homeowners policy and a condo unit owners policy?

A standard homeowners policy (HO3) covers the structure of your home, your personal property, and liability. A condo unit owners policy (HO6) is designed for situations where a condo association carries a master policy for the building exterior, your HO6 covers your unit interior, personal belongings, and liability. Understanding what your association's master policy covers is a helpful starting point.

Can you help me insure a vacation rental or short-term rental property in Clearwater?

Short-term rental activity can affect your standard homeowners coverage. We work with carriers that offer policies accommodating rental use, so it's worth a conversation before you list a property. We'll help you understand the options available for your specific situation.

What does commercial general liability cover for a Clearwater small business?

Commercial general liability (CGL) covers third party bodily injury and property damage claims arising from your business operations, products, or completed work. For Clearwater businesses in hospitality, retail, or services, it's typically the foundational coverage to have in place. We also offer commercial property coverage for your physical business assets.

Ready to Talk About Your Coverage?

We're based right here in Clearwater. Reach out and Sam will put together options from top-rated carriers for your home, vehicle, or business, no obligation.

Call (727) 422-5314