Sun, Surf & Sand Insurance Services

Products And Services

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  Home Insurance

  Home insurance, also commonly called hazard insurance or homeowner's insurance (and often abbreviated in the US real estate industry as HO3), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.

  Link: Home Insurance

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  Auto Insurance

  Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Auto insurance may also offers financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.

  Link: Auto Insurance

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  Flood Insurance

  Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.

  Link: Flood Insurance

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  Business Owner's Package (BOP) Insurance

  A business owner policy packages all required coverage a business owner would need. Often, BOPs will include business interruption insurance, property insurance, vehicle coverage, liability insurance, and crime insurance . Based on your company’s specific needs, you can alter what is included in a BOP. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage’s.

  Link: Business Owner's Package (BOP) Insurance

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  Business Insurance

  Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Business Insurance is a broad name for different coverages available to the business owner to protect against losses and to insure the continuing operation of the business.

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  Life Insurance

  Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

  Link: Life Insurance

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  ATV Insurance

  All Terrain Vehicle insurance provides financial protection against physical damage and/or bodily injury resulting from collisions and against liability that could also arise from the use or storage of your ATV. We provide insurance for a number of vehicles that fall under the category all terrain vehicles.

  Link: ATV Insurance

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  Boat Insurance

  Boat insurance protects a boat, its owner, and passengers in the event of a loss. Boat insurance can include all motorized water vehicles including, but not limited to, fishing boats, pontoon boats, yachts, and jet skis.

  Link: Boat Insurance

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  Classic Car Insurance

  Classic Car insurance is very similar to regular car insurance, but is often less expensive because the vehicles being insured are not used for every day driving. There are a number of factors that qualify vehicles for Classic Auto Insurance, including the model year, annual miles driven, and customizations.

  Link: Classic Car Insurance

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  Condo Insurance

  Condo Insurance is designed for individuals who live in a unit structure owned and insured by a condo association, townhouse association cooperative, homeowner's association, planned community or other similar type of organization. The insurance the association provides only covers the outside dwelling, not the contents of your unit, so it's important to consider purchasing this type of insurance to protect against personal property losses and liability.

  Link: Condo Insurance

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  Group Benefits Insurance

  Group benefits are insurance that covers a group of people who are usually the members of societies, employees of a common employer, or professionals in a common group. Group coverage helps reduce premium costs because it reduces the insurance carrier's risk by creating a pool of people to insure who are together for reasons other than obtaining insurance. Group benefits can also be a powerful incentive to keep and attract great employees.

  Link: Group Benefits Insurance

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  Insurance Bonds

  An insurance bond ensures contract completion in the event of contractor default and are typically required by project owners when seeking a contractor to fulfill a contract. The contractor obtains a bond so the insurance company is obligated to compensate the project owner for the financial loss incurred if the work is not completed.

  Link: Insurance Bonds

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  Landlord's Insurance

  Landlords' insurance is an insurance policy that covers a property owner from financial losses connected with rental properties. The policy covers the building, with the option of insuring any contents that belong to the landlord that are inside. Landlords' insurance is often referred to as buy-to-let insurance, however buy-to-let insurance is a type of landlords' insurance. It is important to distinguish between buy-to-let insurance which generally covers one property that has been purchased with a buy-to-let mortgage, and multi-property insurance, which covers two or more properties. Each of these types of landlords' insurance covers different things.

  Link: Landlord's Insurance

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  Motorcycle Insurance

  Motorcycle insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from the actions of the motorcycle driver. Motorcycle insurance may also offer financial protection against theft of the motorcycle and damage sustained from things other than traffic collisions.

  Link: Motorcycle Insurance

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  Pet Insurance

  A coverage that assists in paying for a pet's veterinary treatment is known as pet insurance. Pet owners pay a monthly or yearly payment, and the insurance provider reimburses them for certain medical costs, such as prescription drugs, surgeries, and preventative treatment. It helps pet owners prioritize their dogs' health by lessening the financial strain of unforeseen veterinary expenditures.​

  Link: Pet Insurance

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  Renters Insurance

  Renters' insurance is an insurance policy which provides most of the benefits of homeowners' insurance. This includes liability insurance. The tenant's personal property is also covered against named perils such as fire, theft and vandalism. Renters' insurance does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. The owner of the building is responsible for insuring it, but bears no responsibility for the tenant's belongings.

  Link: Renters Insurance

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  Roadside Assistance

  Roadside assistance and breakdown coverage are services that assist motorists, or bicyclists, whose vehicles have suffered a mechanical failure that leaves the operator stranded.

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  Recreational Vehicle Insurance

  RV Insurance coverage is designed for most recreational vehicles, including motor homes, fifth wheel trailers, Airstream travel trailers, mounted truck campers and more. Specialized RV coverage provides the features specific to the needs of an RV owner like contents coverage.

  Link: Recreational Vehicle Insurance

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  Umbrella Insurance

  Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies. When an insured is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.

  Link: Umbrella Insurance

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  Workers Compensation Insurance

  Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.

  Link: Workers Compensation Insurance