Trusted insurance guidance for Florida families and businesses.
Clear advice, honest coverage options, and long‑term protection for your home, condo, auto, flood, and commercial needs.
Here for you. Here for life.
Our mission is to provide trusted insurance solutions that protect families, build security, and create brighter tomorrows.
Coverage tailored to your life and business.
Sunbay Insurance offers a full range of personal and commercial insurance solutions designed to protect what matters most to you. We help you avoid being over‑insured, under‑insured, or surprised when it matters most.
HO3 Homeowners Insurance
Protection for your primary residence, personal belongings, and liability—built for Florida homeowners.
HO6 Condo Insurance
Coverage for your condo unit’s interior, improvements, and personal property, plus liability protection.
Auto Insurance
Liability, comprehensive, and collision options tailored to your driving habits and vehicle type.
Flood Insurance
Specialized protection for flood‑prone and coastal areas that standard homeowners policies don’t cover.
Dwelling Fire (DP3)
Coverage for rental homes and investment properties, including structure and potential loss of rental income.
Commercial Property & Liability
Protection for your building, contents, and liability exposures as a Florida business owner.
Meet Ricardo Cunningham.
Ricardo Cunningham
Ricardo is a trusted Florida insurance advisor committed to helping families and businesses protect what matters most. With years of industry experience, he brings a calm, educational approach to every conversation—making sure you understand your options and feel confident in your coverage.
His philosophy is simple: trusted guidance, honest solutions, and long‑term protection. Whether you’re securing your first home, reviewing flood coverage, or protecting a growing business, Ricardo is focused on clarity, transparency, and your peace of mind.
Want to learn more about how he works with clients? Visit the Your Advisor page →
Mission & core values
At Sunbay Insurance Agency LLC, our mission is to provide trusted insurance solutions that protect families, build security, and create brighter tomorrows.
Experience
Years of industry knowledge you can count on when it matters most.
Integrity
Honest advice and coverage recommendations tailored to your needs.
Commitment
Dedicated to your long‑term security, not just a single policy.