Coastal & High-Value Homes
Coverage options for primary residences, second homes, and higher-value properties, including Florida coastal exposures.
Explore Home Insurance →A Faster Way to Share Information
Skip the Back-and-ForthWe’ve partnered with Canopy Connect to make shopping for insurance quick, easy, and secure. With just a few clicks, you can share your information using your carrier login or a declarations page — so we can focus on finding the right coverage for you and keep the process as smooth as possible. We’re Alerted InstantlyThe moment you submit, our team is notified.
We Find Your Best RateWe’ll review your coverage and call you with our best quote.
Call for a quote: (850) 937-7014 |
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Get Flood Insurance Quote with Neptune
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Independent insurance. Personal attention.
Experience and integrity behind every coverage conversation
Founded in 2021, Sun, Surf & Sand Insurance Services helps individuals, property owners, and businesses navigate insurance decisions in Miramar Beach and across Florida.
Agency owner Scott Zambarano brings 12 years of insurance industry experience and approximately a decade of experience serving Florida clients. As an independent agency, we can compare options across approximately 100 insurance carriers to help find coverage that fits your needs and budget.
12Years of Scott's insurance experience
~100Insurance carriers accessible
2021Agency founded
We listen first, explain options clearly, and proactively review coverage when needs or premiums change.
Meet Our Agency
Coverage for Florida's coast and beyond
Insurance expertise for homes, investments, and businesses
From coastal properties to local businesses, our team helps clients consider coverage for the risks that matter to them. Explore some of the insurance solutions we help arrange.
Flood Insurance
Understand flood insurance options for homes and properties where standard homeowners policies may leave important gaps.
Explore Flood Insurance →Vacation & Rental Properties
Discuss coverage needs for rental homes, investment properties, and short-term rental arrangements.
Explore Landlord Insurance →Condo Insurance
Review personal condo coverage in light of association master policies and your individual protection needs.
Explore Condo Insurance →Business Insurance
Commercial insurance guidance for businesses across Florida, including restaurants, contractors, and property owners.
Explore Business Insurance →Business Owners Policies
Explore bundled property and liability coverage options for eligible businesses, with guidance from an independent agency.
Explore BOP Coverage →Connected to our community
Proud to serve the Emerald Coast
Sun, Surf & Sand Insurance Services is based in Miramar Beach and serves clients throughout Walton, Okaloosa, Bay, Santa Rosa, and Escambia counties, with insurance services available across Florida.
Our commitment to the community extends beyond insurance. We sponsor the South Walton High School wrestling team and participate in the Walton and Destin chambers of commerce.
Connect With Our TeamHow we work with you
We listen. We learn about your property, business, priorities, and budget.
We explain. We compare available carrier options and help you understand coverage differences.
We stay involved. At renewal, we review changes and explore alternatives when appropriate.
Learn More About Insurance
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When it comes to insurance, we've got you covered. Learn more about how our products can help you.
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Contact Us Today
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Phone: (850) 937-7014
Email: [email protected] Location: 9375 Emerald Coast Parkway West Suite 18 Miramar Beach, FL 32550 Agency Hours: Monday - Friday: 9:00am - 5:00pm |
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