Lakeland Homeowners Insurance

Find the right homeowners insurance policy for you. Author Icon Written by Trusted Choice Author Icon
Written by Trusted Choice

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Located halfway between Orlando and Tampa, the city of Lakeland offers some of Florida’s best coastal scenery and exciting water sports. Lakeland, FL's claim to fame is the 38 lakes scattered across the region and the many swans that frequent the shorelines. While Lakeland is a beautiful place to live and work in, it’s also a very high-risk area for hurricanes and tornadoes. Make sure your home is protected with the best Lakeland homeowners insurance.

Our Independent Insurance Agents offer Lakeland homeowners one-on-one support while choosing home insurance. Our experienced agents can help you navigate the confusing world of deductibles, coverage limits, and liability risk. Whether you’ve lived in Lakeland your whole life or you are just moving to the area, turn to our Independent Insurance Agents for help finding the perfect home insurance plan to protect your property.

  • National yearly premium average: $1,034
  • Florida yearly premium average: $1,103
  • 14th most expensive premium in the U.S.

There’s no denying that homeowners insurance is expensive in Florida, but keep in mind that rates vary dramatically depending on where you live. The size and age of your home play a big role in your premiums along with any risk factors like close proximity to water or backyard swimming pools or trampolines. Our Independent Insurance Agents can help you find a budget-friendly Lakeland home insurance plan that will be a good fit for you and your family.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Lakeland Second Home and Vacation Home Insurance

Between the gorgeous lakes and the endless opportunities for water sports, Lakeland has become a popular tourist destination in recent years. This has led many homeowners to purchase a second home to use a rental property or for family vacations. If you own a second home in Lakeland, our Independent Insurance Agents can help you find the right kind of coverage to protect your investment property.

Number of Thefts in Florida

  • National number of burglaries: 37,814
  • Florida number of burglaries: 3,316

Lakeland’s beautiful scenery is a major perk for local homeowners, but they also have to worry about a few problems including the high crime rate. Burglaries are a regular issue in the city, with many of the break-ins targeting empty vacation homes. If you own a home in Lakeland, you can protect your property investment by investing in a comprehensive homeowners insurance plan that includes coverage for theft.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Number of Catastrophes in Florida

  • Number of catastrophes in Florida: 594
  • Number of tornadoes in Florida: 23
  • 1 in 15 insured homes has a claim each year

High winds, torrential rainfall, and rising water levels are all dangerous problems across the state of Florida. This state’s high number of natural disasters is largely due to the close proximity to both the Atlantic Ocean and the Gulf of Mexico. Homeowners in Florida simply can’t afford to skimp on home insurance because property damage happens so frequently. Our Independent Insurance Agents can help you find a homeowners insurance plan that will safeguard your property against the biggest weather threats in Florida.

What Are the Risks in Lakeland?

With 38 lakes scattered across the city, Lakeland’s biggest risk is flooding. The city is also a frequent target for hurricanes and tornadoes, with high winds causing widespread devastation each year. Crime is another major risk in Lakeland, so make sure you take precautions by locking your doors and installing security systems. When all else fails, you can rely on your comprehensive homeowners insurance policy to step in and pay for damage if Lakeland’s unpredictable weather or high crime rate causes problems.

Compare Lakeland Home Insurance Quotes

If you’re ready to start saving money on your home insurance in Lakeland, take time to compare your options. Our Independent Insurance Agents offer quotes on multiple policies, so you have a chance to see several options at once and find a plan that will work for your budget and lifestyle. Whether you are shopping for insurance for your primary residence or a vacation home, our experienced  Independent Insurance Agents can help. 

Contact an agent today to get your free customized rate quote on Lakeland homeowners insurance.

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