window.dataLayer = window.dataLayer || [];function gtag(){dataLayer.push(arguments);}gtag('js', new Date());gtag('config', 'G-095ZS2HSRW');

Sunshine Insurance Group is an independent property insurance agency in Naples, Florida. We do NOT provide health insurance, Medicaid, or Medicare plans. Looking for Sunshine Health? Visit sunshinehealth.com

Home2026-11-09T15:01:18-05:00

Welcome to Sunshine Insurance Group in Naples, Florida

Florida Insurance, Made Clear.

Tired of high premiums and confusing coverage?
You deserve to know you’re getting value from your insurance. Whether it’s your condo, home, car, or more, we’ll help you compare options, understand your coverage, and find a policy that fits your needs.

Google Rating
Florida home insurance
Couple enjoying a Florida beach
Florida high net work insurance for private clients
Florida condo insurance

Personal Insurance

Get customized insurance to fit your needs.

This field is for validation purposes and should be left unchanged.
Or call to get a quote 239-790-0209

Business Insurance

Providing insurance options for businesses.

Client Testimonials

See why families and businesses across Florida trust Sunshine Insurance Group for comprehensive insurance protection.

  • Tracy Milo’s Avatar Tracy Milo ★★★★★ 6 months ago
    The process to switch my homeowners policy was so quick and seamless. From the quote process, the administrative paperwork to notifying my current provider of cancelation. Rates were much lower as well. Jordan was a pleasure to work with … More and very accommodating. Quick response time and awesone follow up! Would highly recommend
  • Montanna Broyles’s Avatar Montanna Broyles ★★★★★ 9 months ago
    Jordan is incredibly knowledgeable and has guided me through all of my insurance needs with patience and clarity. His expertise in the field is truly refreshing in today’s world. If you’re looking for an insurance agent you can trust, I … More highly recommend working with him.
  • Jessica Darr’s Avatar Jessica Darr ★★★★★ 9 months ago
    Jordan with Sunshine Insurance Group is truly exceptional. He took the time to help both my office manager and me choose the best coverage for our individual situations, and his knowledge is unmatched.Hands down, he is the most knowledgeable … More insurance agent I’ve spoken with in years.Beyond his expertise, Jordan is incredibly kind and genuine. You can tell he’s not just trying to sell a policy—he truly cares about people and wants to help them make the best decisions. That level of honesty and heart is rare these days.I highly recommend Jordan and Sunshine Insurance Group to anyone looking for guidance they can actually trust.
  • Jackson Heintz’s Avatar Jackson Heintz ★★★★★ 10 months ago
    Jordan consistent goes above and beyond to make you comfortable with navigating the complexities around insurance. His customer service is first class!
  • Melissa Angela Johnson Navarro’s Avatar Melissa Angela Johnson Navarro ★★★★★ 11 months ago
    I highly recommend Jordan at Sunshine Insurance Group for all your home, condo, and flood insurance needs. He is truly fantastic—knowledgeable, patient, and always ready to help right away. It’s rare to find someone who cares this much … More about his clients, and Jordan goes above and beyond every single time. If you need reliable insurance guidance, he’s your go-to!
  • Jill Mesner’s Avatar Jill Mesner ★★★★★ a year ago
    Jordan was terrific! He helped me talk through what I needed and got me two quotes within a couple hours. I had my coverage and documents within minutes of the deposit and he made sure to communicate during the entire process. Thanks … More Jordan!

About Sunshine Insurance Group

0+
Clients Served
0%
Customer Satisfaction
0+
Policies Written
0+
Years Experience

Why choose Sunshine Insurance Group

01

Proactive policy review

We don’t just process renewals. We review, analyze, and restructure coverage at renewal and during rate changes to ensure your protection keeps pace with your life or business.

02

We shop strategically

When premiums increase, we compare options across trusted carriers — balancing coverage, cost, and long-term value.

03

One agency. Complete strategy.

Home, condo, flood, landlord, auto, umbrella, boat, valuable items, and business — managed under one coordinated plan, not scattered policies.

About our founder

Jordan Driggers is the Founder and CEO of Sunshine Insurance Group, bringing a half of decade of experience in the Florida insurance market. Raised in Southwest Florida and Alumni of Florida Gulf Coast University he truly understands the uniqueness of Florida insurance.

He knows the challenges local homeowners and families face and is committed to helping clients make confident, educated, and informed insurance decisions.

When Jordan is outside the office, he enjoys traveling, hiking, working out, running, and spending time with his wife and three children. He loves a good coffee shop and even has his own rating system! So send over your coffee shop recommendations, he would love to try a new place!

Sunshine Insurance Group

Personal insurance policies for individuals & families

Florida Homeowners Insurance

Home Insurance

Your home is one of your most valuable assets. It deserves protection that is simple reliable and tailored to your needs. We help families throughout Florida secure homeowners insurance that delivers peace of mind with personalized service.

Florida Flood Insurance

Flood Insurance

Most flood damage results from localized events such as heavy rainfall, flash flooding, or drainage failure rather than catastrophic storms. These losses typically occur in areas with specific geographic, terrain, or drainage characteristics and are evaluated using FEMA flood mapping.

Florida Umbrella Insurance

Umbrella Insurance

Umbrella insurance in Florida is critical to your insurance plan. Life can be unpredictable. As much as we plan for the best, sometimes the worst can happen. This is where umbrella insurance comes in to provide you with additional coverage that goes above and beyond to protect you.

Landlord insurance for Florida property owners

Landlords

Rent your Florida property with confidence. A rental property is an important asset that can supply you with a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged.

Sunshine Insurance Group

Commercial insurance solutions for businesses

Every business is unique and so are the risks you face. At Sunshine Insurance Group, we partner with companies across Florida to build straightforward insurance and risk management strategies. By combining practical experience with modern tools, we help you reduce risk, control costs and move forward with confidence.

Questions? Answers!

Does homeowners or condo insurance cover flood damage in Florida?2026-11-05T11:01:14-05:00

Generally, no. Standard homeowners and condo policies exclude flood damage, including rising water and storm surge. Flood coverage is usually purchased as a separate policy.

Do I need flood insurance if I am not in a high-risk flood zone?2026-11-05T11:01:11-05:00

Lenders typically require flood insurance only in FEMA high-risk zones, but flooding can happen anywhere. Heavy rain and poor drainage can cause losses outside those zones, so it is worth reviewing your property’s risk with an agent.

What does flood insurance cover?2026-11-05T11:01:09-05:00

Flood insurance generally covers the building and, if you select it, your contents. National Flood Insurance Program (NFIP) residential policies offer up to $250,000 for the building and up to $100,000 for contents. Private flood options may offer different limits.

Is there a waiting period for flood insurance?2026-11-05T11:01:06-05:00

Often, yes. NFIP policies typically have a 30-day waiting period, with limited exceptions, such as coverage purchased with a new mortgage. Private flood waiting periods vary, so it is best not to wait until a storm is approaching.

Do condo owners need their own flood insurance?2026-11-05T11:01:05-05:00

Often, yes. An association’s flood policy may cover the building, but it may not cover your belongings or everything inside your unit. We can review your association’s coverage and help you decide what makes sense for your unit.

How often should I review my Homeowners insurance policy?2026-06-02T15:57:34-04:00

You should review your homeowners insurance policy at least once a year or after major home updates. A new roof, renovation, pool, security system, plumbing, electrical, or HVAC update may affect your coverage or discounts. Regular policy reviews help avoid coverage gaps and unnecessary premium increases.

Why did my Homeowners insurance premium increase?2026-06-02T15:57:11-04:00

Florida homeowners insurance premiums may increase because of rising construction costs, roof age, claims history, hurricane risk, inflation, reinsurance costs, or carrier rate changes. Even without filing a claim, your home insurance rate can change based on market conditions and updates to the insurance company’s pricing.

How much Homeowners insurance coverage do I need?2026-06-02T15:56:46-04:00

You need enough homeowners insurance to rebuild your home after a covered loss, not just cover the purchase price or market value. Dwelling coverage should reflect construction costs, home features, roof type, and updates. Personal property, liability, water damage, and ordinance or law coverage should also be reviewed.

Does Homeowners insurance cover flood damage in Florida?2026-06-02T15:56:12-04:00

Standard homeowners insurance does not typically cover flood damage in Florida. Flood insurance is usually purchased separately through a private flood insurance carrier or the National Flood Insurance Program. Florida homeowners should review flood insurance options, even if their home is not located in a high-risk flood zone.

What does Homeowners insurance cover in Florida?2026-06-02T15:55:22-04:00

Homeowners insurance in Florida typically covers your home, personal belongings, liability, loss of use, and other structures after a covered loss. Coverage may vary by carrier, policy type, deductibles, and endorsements. A yearly home insurance review helps make sure your property is properly protected.

Don’t see your question? Contact us.

Latest Florida news and money saving tips.

Latest Articles From Sunshine Insurance Group

Sunshine Insurance Group

It's easy to get started

Quote online.

Our online tool makes it easy to get quotes from top carriers.

OR

Call or text our office.

Our licensed agents are ready to help you get covered.