Built in Florida,
for Florida agents.

Florida's insurance market is unlike anywhere else in the country. Quoting a single homeowners policy means navigating a maze of carrier portals, roof age rules, and coastal underwriting exceptions. We started SunSure because agents deserve better tools for the hardest market in America.

The problem

Quoting in Florida is broken

Every day, thousands of Florida agents spend one to two hours quoting a single homeowners policy. The process is the same everywhere: log into a carrier portal, manually enter the property data, upload the 4-point inspection and wind mitigation report, wait for the quote, then do it all over again at the next carrier.

Florida has over 20 domestic carriers, each with its own underwriting rules. Roof age cutoffs differ by carrier. Coastal scoring models vary wildly. Citizens eligibility requirements change every legislative session. And every carrier portal has a different layout, different required fields, and different document formats.

The result is that agents spend most of their day rekeying the same data into different websites instead of advising clients and closing business. It is the single biggest bottleneck in Florida independent agencies, and until now, nobody has built a real solution for it.

1-2 hrs Average time to quote a single FL homeowners policy across carriers

20+ Domestic carriers with unique portal logins and underwriting rules

80% Of an agent's day spent on data entry instead of selling

The solution

One platform. Every carrier.

SunSure is not a comparison rater and not a lead generation platform. It is the tool Florida agents use every day to quote faster and close more business.

Parallel portal automation

Enter the property data once. SunSure submits to every eligible carrier simultaneously through their actual portals, not scraping or APIs that break. Real quotes, returned in minutes.

AI document reading

Upload a 4-point inspection or wind mitigation report and SunSure extracts every field automatically. Roof age, electrical panel type, plumbing material, opening protection -- all parsed in seconds.

Sunny, the UW agent

Our AI underwriting assistant knows Florida carrier appetites inside and out. Sunny flags eligibility issues before you submit, recommends the best-fit carriers, and explains why a quote came back the way it did.

Why Florida

The hardest market needs the best tools

Florida's homeowners insurance market is the most complex and volatile in the nation. These numbers tell the story.

$4,200 - $5,500

Average annual homeowners premium in South Florida -- the highest in the nation by a wide margin

20+

Domestic carriers writing homeowners in Florida, each with different underwriting rules and portal systems

Citizens reform

Legislative changes are pushing policies out of Citizens and into the private market, creating urgency for agents to find alternatives fast

39,000+

Licensed property & casualty agents in Florida as of 2022, and the number continues to grow

Built in Florida,for Florida agents.