Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Lakeland

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lakeland Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

68Reviewed

44Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Facebook
5.0 / 5 (91)
Google
4.8 / 5 (9)
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

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

Why choose this provider?

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.6
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

FAQs

  • 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 actions should you take if severe weather has damaged your Lakeland home when filing a homeowners' insurance claim?

    You should first contact your insurance agent in Lakeland to report the incident. It is important to take photos and videos to support your insurance claim. If you are unsure if the damages meet your deductibles, you may consult a professional to inspect the home so they can create a repair quote.

  • How many homeowners' insurance claims can you file in Lakeland?

    In Lakeland, there is no limit on how many homeowners' insurance claims you can file. However, policyholders are encouraged not to file more than two insurance claims within five years. If you have filed more than two homeowners' insurance claims, you may pay higher insurance premiums, and it will be difficult for you to acquire affordable coverage.

  • Does your homeowners' insurance in Lakeland protect your personal belongings inside your home or just its structure?

    Homeowners' insurance in Lakeland protects your personal belongings and your home's structure. Dwelling coverage covers your home's permanently installed ceilings, countertops, floorings, chimneys, and decks. On the other hand, personal property coverage protects your jewelry, furniture, clothing, musical instruments, art and collectibles, decorations, electronics, and tools.

  • If you renovated or added a room in your house in Lakeland, do you need to adjust your homeowners' insurance coverage?

    Possibly yes. You may need to adjust your homeowners' insurance coverage in Lakeland if you renovated or added a room in your house because these may affect the amount of coverage you need. You may speak with your insurance agent to help you make sure that your policy still applies to your needs.

  • If your computer got stolen from your car, can your homeowners' insurance in Lakeland cover it?

    Yes. Your homeowners' insurance in Lakeland can cover your stolen computer. This type of insurance can cover various types of personal belongings, even if they were stolen or damaged outside your house. The personal property coverage in your homeowners' insurance covers electronics, furniture, and sporting equipment, depending on your policy limits.

  • 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.

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