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Best Homeowners Insurance Agencies in Lakeland

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Advantage Insurance logo
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Advantage Insurance

4404 Florida Avenue South, Lakeland, FL 33813
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  • Condos
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood

Business Description

Advantage Insurance offers homeowners' insurance in Lakeland and the surrounding areas. The agency's insurance experts help property owners secure their homes and personal belongings in case of damages due to disaster, theft, or vandalism. They also provide additional coverage for other disasters not covered by default, such as flooding. Aside from homeowners' insurance, Advantage provides coverage for ATVs, automobiles, boats and jet skis, motor homes, and RVs. It also offers business, general liability, and workers' compensation insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (32)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Clifton and Lewis Insurance Group logo
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Clifton and Lewis Insurance Group

38232 5th Avenue, Zephyrhills, FL 33542
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Business Description

Clifton and Lewis Insurance Group is an independent agency that's provided its clients with insurance options for more than 25 years. Its licensed agents represent multiple carriers to deliver personalized homeowners insurance coverage at competitive rates. They evaluate the replacement value of the dwelling and secondary structures and personal contents, such as jewelry, heirlooms, and electronics to help ensure adequate protection. Clifton and Lewis Insurance Group also offers plans for condo and manufactured home owners.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (47)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Full Cover Insurance Solutions logo
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Full Cover Insurance Solutions

1240 East Lime Street, Lakeland, FL 33801
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  • Renter's Insurance
  • Condos

Business Description

Full Cover Insurance Solutions is an independent agency delivering homeowners insurance options in Lakeland. The company's professionals evaluate individual circumstances to help ensure appropriate coverage for the dwelling and secondary structures on the property as well as personal items, such as jewelry, appliances, firearms, art, and heirlooms. In addition to the coverage standard plans offer, Full Cover Insurance Solutions provides supplemental policy options, such as umbrella liability and flooding insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (6)
Google
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Garland Insurance Inc. logo
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Garland Insurance Inc.

5620 US Highway 98 North, Lakeland, FL 33809
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  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Garland Insurance, Inc., is a full-service insurance firm that has been providing property and casualty protection in Lakeland for more than 25 years. The company assists homeowners and first-time homebuyers in choosing the right insurance policy among different carriers that can protect their homes and personal assets against disasters. Its agents educate customers on several coverage options, including dwelling protection, personal belongings, owner's liability, and additional living expenses. Other insurance offerings include vehicle, life and health, recreational, and commercial policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (148)
Facebook
5.0 / 5 (55)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Headley Insurance Agency logo
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Headley Insurance Agency

3544 Florida Avenue South, Lakeland, FL 33803
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Business Description

Headley Insurance Agency is committed to providing the homeowners insurance coverage in Lakeland that meets its clients' needs. The independent agency's licensed professionals research multiple carriers to deliver personalized options. They coordinate appropriate coverage for damage sustained during such events as fire, theft, and vandalism. Headley Insurance Agency also helps ensure its clients are adequately covered against flooding. The company works on behalf of individuals with primary and secondary dwellings, home businesses, condos, and mobile homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (61)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Headley Insurance Agency logo
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Headley Insurance Agency

3544 Florida Avenue South, Lakeland, FL 33803
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  • Multiple Policy Types

Business Description

Headley Insurance Agency is an independent insurance agency providing multiple homeowners' insurance coverages to clients in Lakeland and the surrounding areas. Agents shop for insurance deals that match customers' needs. The business specializes in mobile home insurance. Its agents gather quotes from different insurance carriers for mobile homes and present various coverage options and insurance products. Other services of Headley Insurance Agency include auto insurance, identity fraud insurance, and renters insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (61)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Company of Florida logo
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Insurance Company of Florida

3751 Maryweather Lane, Wesley Chapel, FL 33544
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Insurance Company of Florida is an independent agency providing personalized homeowners insurance solutions. The company's licensed agents shop multiple carriers to deliver the coverage that best fits their clients' individual needs. They evaluate the replacement value of the dwelling and secondary structures on the property, personal possessions, and necessary liability limits to help ensure adequate protection. Insurance Company of Florida also offers supplemental policies to cover damage from flooding and earthquakes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.7 / 5 (30)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lock Insurance logo
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License Verified:

License: L048430

Florida Division of Insurance Agent and Agency Services

Lock Insurance

225 Doris Drive, Lakeland, FL 33813
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Business Description

Lock Insurance is a family-owned and locally operated independent agency serving the residents of Lakeland and the surrounding areas. It provides homeowners' insurance policies with coverage options for dwelling fire, lessor's risk, law and ordinance, theft, and sewage and water backup. It also offers various related insurance products for landlords, renters, vacant land, condos, and commercial properties. Lock Insurance has been in business since 2003 and is a member of the Florida Association of Insurance Agents.

License Verified:

License: L048430

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (168)
Facebook
5.0 / 5 (70)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mitchell Insurance Agency logo
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Mitchell Insurance Agency

2929 Lakeland Highlands Road, Lakeland, FL 33803
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  • Renter's Insurance
  • Condos

Business Description

Mitchell Insurance Agency has been providing insurance products and services to Floridians since 1958. It caters to Lakeland locals looking for homeowners' insurance coverage to secure their homes and properties. It provides coverage for homes, condominiums, renters, mobile homes, and rental homes. Its homeowners' insurance policies cover replacement costs, renovated homes, seasonal dwellings, and protection devices. Mitchell Insurance Agency is a member of the SIAA National Agency Alliance, the Strategic Agency Network of Florida, and the Florida Association of Insurance Agents.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Northside Insurance Agency, Inc. logo
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Northside Insurance Agency, Inc.

14009 North Dale Mabry Highway, Tampa, FL 33618
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  • Multiple Policy Types

Business Description

Northside Insurance Agency Inc. is an independent agency that's provided personalized homeowners coverage for more than 33 years. The company's licensed agents represent more than 25 established carriers to deliver the protection that meets individual needs. They work on behalf of clients with primary and secondary residences, rental properties, and condos and mobile homes to help ensure adequate coverage. Northside Insurance Agency also offers umbrella policies and supplemental flood insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
4.5 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Southern Family Insurance Services logo
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Southern Family Insurance Services

5110 South Florida Ave Suite 111, Lakeland, FL 33813
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire

Business Description

Located in Lakeland, Southern Family Insurance Services is an independent insurance agency that opened its doors in 2005. One type of insurance that the agency provides is homeowners' insurance, which allows property owners to protect themselves from a set of various risks or only specific losses like accidents, natural disasters, theft, and lawsuits. Because it is an independent insurance agency, Southern Family Insurance Services represents many different insurance companies, allowing it to offer a wider variety of policies to its customers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (139)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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