Expertise.com Homepage

2024

Last updated:

Best Renter's Insurance Companies in Lakeland, FL

Our Recommended Top 6

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 Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

43Reviewed

28Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4525 S Florida Avenue Suite 7, Lakeland, Fl 33813
WebsiteLicense: P044697

Expertise.com Rating

Review Sources

Google
5.0 (96)
Facebook
4.8 (44)
Yelp
5.0 (3)

Why choose this provider?

Mark Lanier is an insurance agent who serves clients in Lakeland and the neighboring communities. He offers renters' insurance plans that cover property damage due to weather impacts, accidents, malicious mischief, and loss of use. He also provides other policies, including life, health, auto, and home, and aids clients in fulfilling financial requirements for banking and annuities. Lanier has over 14 years of insurance experience through State Farm. He gives back to the community by volunteering with Parker Street Ministries and Operation BBQ Relief.

  • Multiple Carriers

2025 E Edgewood Dr, Lakeland, FL 33803
WebsiteLicense: R015075

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Since 1984, Family Insurance Centers has been serving individuals, families, and businesses in Lakeland, Bartow, Winter Haven, and the surrounding areas. It helps tenants protect themselves and their finances in case their personal belongings get damaged due to disasters, fires, or burglaries by providing them with renters' insurance. Beth Guskay, the president and founding partner of Family Insurance Centers, is a member of the Lakeland Optimist Club. Other products include motorcycle, health, general liability, and workers' compensation insurance.

  • Home and Auto Insurance

5228 US Hwy 98 N, Lakeland, FL 33809
WebsiteLicense: W238686

Expertise.com Rating

Review Sources

Google
4.5 (62)
Facebook
4.6 (28)
Yelp
1.0 (1)

Why choose this provider?

Chris Spivey, an insurance professional who holds a degree in Accounting and Business Management, established his own State Farm agency in Lakeland. Since 2009, Spivey's firm has been offering a variety of insurance products in personal and business lines. These include policy coverage for renters who want to secure their apartments and personal belongings from unexpected events or disasters. The renters' insurance also covers policyholders' liability for people injured on their premises.

  • Home and Auto Insurance

2614 Lakeland Hills Blvd Suite 5,, Lakeland, FL 33805
WebsiteLicense: A069342

Expertise.com Rating

Review Sources

Google
4.5 (57)
Facebook
5.0 (18)

Why choose this provider?

Debbie Dixon is an insurance agent at GreatFlorida Insurance, a network of independent, franchised insurance agents throughout Florida. She serves the Lakeland community by offering a broad range of insurance products, including renters' insurance. This type of insurance protects renters' valued possessions like furniture, appliances, entertainment systems, and jewelry in case of damages or losses by natural disasters and acts of men. In these events, it also covers liability claims and relocation expenses.

  • Multiple Carriers
  • Home and Auto Insurance

5620 US Hwy 98 N, Lakeland, FL 33809
WebsiteLicense: L004790

Expertise.com Rating

Review Sources

Google
4.8 (280)
Facebook
4.9 (81)

Why choose this provider?

Garland Insurance is a family-owned and family-operated company serving individuals and families in the Lakeland metro. It accommodates clients who want to purchase renters' insurance. The agency also offers other personal lines of insurance, including home, flood, auto, life, and health coverages. It also assists business owners in obtaining commercial plans. Its team works with over 50 insurance carriers to provide customized policies suited to clients' needs. Garland Insurance has been in business for over 34 years.

  • Multiple Carriers
  • Multiple Policy Types

3544 South Florida Ave., Lakeland, FL 33803
WebsiteLicense: L008358

Expertise.com Rating

Review Sources

Google
4.8 (73)
Facebook
4.8 (55)

Why choose this provider?

Headley Insurance Agency is a locally owned and operated business serving the Lakeland metro and the surrounding communities. It assists families and individuals in obtaining renters' insurance plans. The company's coverages protect policyholders from financial losses caused by vandalism, fire, and theft. It also helps people acquire insurance plans for their homes, condominiums, lives, and vehicles. Headley Insurance Agency is an independent company that works with multiple carriers, such as Nationwide, Foremost, Progressive, Cypress, and Olympus Insurance.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Mark Lanier
4525 S Florida Avenue Suite 7, Lakeland, Fl 33813
Family Insurance Centers
2025 E Edgewood Dr, Lakeland, FL 33803
Chris Spivey
5228 US Hwy 98 N, Lakeland, FL 33809
Debbie Dixon
2614 Lakeland Hills Blvd Suite 5,, Lakeland, FL 33805
Garland Insurance
5620 US Hwy 98 N, Lakeland, FL 33809
Headley Insurance Agency
3544 South Florida Ave., Lakeland, FL 33803

FAQs

  • How does your Lakeland renters' insurance work?

    Your renters' insurance in Lakeland provides reimbursement for items through actual cash value or replacement cost, depending on your selected coverage. Your possessions are only covered for their existing value when you have ACV coverage, while replacement cost covers the expense of purchasing new items to replace the old ones.

  • Is renters' insurance necessary in Lakeland, even if your landlord is already insured?

    Yes. Even though your landlord, property manager, or apartment community in Lakeland has insurance for the actual building, it does not extend to cover your personal belongings. If you damage any other apartment property or your rental unit, you might also be responsible for paying the cost of repairing the damage.

  • Is theft coverage included in your Lakeland renters' insurance?

    If your Lakeland renters' insurance includes protection for personal belongings, it can assist in replacing items that are lost or stolen. Items taken during a break-in at your property or even objects taken from outside your home are usually covered by this coverage. For instance, the personal property coverage in your renters' insurance policy could aid in replacing your laptop if it is stolen from your car.

  • What is the process for obtaining renters' insurance in Lakeland?

    To get renters' insurance in Lakeland, check if your landlord mandates a specific coverage amount. If not, assess the value of your possessions, create an inventory, and estimate the coverage needed. Measure that amount against the renters' insurance criteria set by your landlord. Once you have your rental information, background, and contact details in order, get an estimate via phone or online.

  • What are ways to lower the expense of your renters' insurance in Lakeland?

    Here are some strategies for reducing the price of your Lakeland renters' insurance:

    • Increase the deductible, resulting in a higher out-of-pocket expense should you need to make a claim, but it will also lower your monthly premium.
    • Bundle your renters' insurance with other plans, like auto insurance, to take advantage of discounts offered by some insurance companies.
    • Install security equipment to qualify for insurance discounts.
    • Evaluate costs from multiple insurance companies to find the most affordable plan that meets your needs.

Related Articles

FeaturedHome-Remodel-Hero

Survey: COVID-19 Pandemic Leads to Surge in Demand for Renters Insurance

We surveyed 1,000 renters in the U.S. to see how the pandemic changed their thoughts about renters insurance, what they look ...