How Can I Make My Lakeland, FL Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Lakeland, FL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
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Estimate Appropriate Lakeland, FL Home Insurance Coverage Levels | Back to Top
| Lakeland, FL - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Shady Oak Dr E, Horseshoe Dr, Carver St, Central St, Mallard Dr, Timberly Ln, Ariana Village Pl, Golden Rule Ct, Tenoroc Mine Rd, Bridgette Ave | $139,000 | $110,000 | $150,000-$175,000 | $100,000 | $90,000 | $100,000-$125,000 |
| Harbor Dr W, Christina Chase Dr, Brangus Dr, Ko Blvd, Mershon St, Scott Lake Village N, W Daughtery Rd, George Wheeler Rd, Medinah Cir, Crafton Dr | $110,000 | $100,000 | $100,000-$125,000 | $131,000 | $110,000 | $125,000-$150,000 |
| Canal Dr N, Glenview Ln, Inverness Dr, Morton Ct, Stoneway Dr, Hedge Dr S, Michigan Ave, Flamingo Ave, Fort Socrum Village Blvd, Lakeland Harbor Blvd | $286,000 | $230,000 | $250,000-$300,000 | $207,000 | $190,000 | $175,000-$200,000 |
| Gladys Ave, Point View Ln, Weber Pl, Fairfax Dr E, Oakleaf Dr, Odoniel Dr, Timothy Ave, Hazeltine Cir, W Poinsettia Dr, Plantation Ridge Ct | $132,500 | $120,000 | $150,000-$175,000 | $134,500 | $130,000 | $125,000-$150,000 |
| Banks Pl, Oak Sq N, N Lake Parker Ave, Sagamore St, Pineford Rd, Sharon Ln, Ethel Ave, Southwest Ave, Sylvia Cir, Cheri Dr | $131,000 | $120,000 | $100,000-$125,000 | $63,500 | $60,000 | $50,000-$75,000 |
| Woodland Ave, Shadyglen Dr, E Oak St, Rosslare Ln, Butternut Dr, Midway Blvd, Hilltop Ln W, Bramblewood Dr, S Faye Cir, Nansemond Ave | $203,000 | $170,000 | $150,000-$175,000 | $99,000 | $80,000 | $75,000-$100,000 |
| Jefferson Ave, Indian Ridge Way, Scott Lake Rd, Wilder Ln, Marjorie Rd, Sandy Knoll Cir N, E Rose St, Lakewood Ln, Poppell Dr, Torrens Dr | $148,500 | $120,000 | $150,000-$175,000 | $100,000 | $90,000 | $100,000-$125,000 |
| Eric Ct, Jordan Ln, S Sugar Creek Dr, Plant Ave, W Alamo Dr, Prince Ln, Cinnamon Way N, Oakland Rd W, Glenridge Loop S, Pennsylvania Ave | $286,500 | $240,000 | $300,000-$350,000 | $133,000 | $120,000 | $125,000-$150,000 |
| Dunhill Cir, Maplecrest St, Martin Luther King Jr, Raymond Industrial Dr, Central Ave NW, Independence St, Southshore Dr, 13th St SE, Shakespeare Dr, Paula Ct | $127,500 | $110,000 | $100,000-$125,000 | $121,000 | $100,000 | $100,000-$125,000 |
| Beacon by Way, Grady Ln, Double Eagle Dr, Chaparral Dr, Southride Trl, Junction Cir, Murcott St, Trimble Dr, N Lazy Lake Dr, S Clayton Ave | $146,000 | $130,000 | $150,000-$175,000 | $87,000 | $70,000 | $75,000-$100,000 |
Estimate your Savings with Home Insurance Discounts in Lakeland, FL | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$198 | $965 |
| Superior Protection Discount | -$116 | $1,046 |
| Fire & Security Discount | -$93 | $1,070 |
| Hail Resistant Roof Discount | -$23 | $1,139 |
| Newly Constructed Home Discount | -$256 | $907 |
Choose your Lakeland, FL Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,344 |
| Hail Damage | $4,900 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,887 |
Identify Top Home Insurance Agents near Lakeland, FL | Back to Top
| Home Insurance Company Lakeland, FL | Homeowners Insurance Agency Lakeland, FL | Address | Popularity Score | Distance from Lakeland (miles) |
|---|---|---|---|---|
| Travelers | Southshore Insurance Professionals Llc | 1219 Millennium Pkwy Ste 106, Brandon, FL, 33511 | 25.7 | |
| Travelers | Heacock Insurance Group | 100 E Main St, Lakeland, FL, 33801 | 6.1 | |
| State Farm | Diana Devito | Bldg F 2535 Landmark Dr Ste 211, Clearwater, FL, 33761-3930 | 47.4 | |
| Allstate | Sebastian De Almenara | 8543 Gunn Hwy, Odessa, FL, 33556 | 38.6 | |
| Liberty Mutual Independent | Adrian Fernandez Insurance Inc | 6115 N Armenia Ave, Tampa, FL, 33604 | 33.9 | |
| Liberty Mutual Independent | Most Insurance Agency | 801 N Armenia Ave, Tampa, FL, 33609 | 35.1 | |
| Travelers | Heacock Insurance Group | 100 E Main St, Lakeland, FL, 33801 | 6.1 | |
| Travelers | Full Cover Insurance Solutions | 3141 S Florida Ave, Lakeland, FL, 33803 | 8.7 | |
| Travelers | Celebration Pointe Insurance Agency Inc | 720 Celebration Ave 120, Celebration, FL, 34747 | 27.9 | |
| Travelers | Affinity Insurance | 8010 N 56th Street, Tampa, FL, 33617 | 28.2 |
Compare Rates for Lakeland, FL Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Florida | $178,700 | $1,605 | $1,250 | $2,150 | $900 |
| Polk County, FL | $121,100 | $1,134 | $880 | $1,520 | $640 |
| Lakeland, FL | $125,600 | $1,163 | $910 | $1,560 | $650 |
| Fussels Corner, FL | $50,500 | $687 | $540 | $920 | $380 |
| Riverview, FL | $183,400 | $1,472 | $1,150 | $1,970 | $820 |
| Hillcrest Heights, FL | $157,000 | $1,461 | $1,140 | $1,960 | $820 |
| Palm River-Gibsonton, FL | $122,300 | $1,228 | $960 | $1,650 | $690 |
| Northdale, FL | $215,700 | $1,007 | $790 | $1,350 | $560 |
| Sumter County, FL | $239,800 | $1,351 | $1,050 | $1,810 | $760 |
| Holden Heights, FL | $163,100 | $1,502 | $1,170 | $2,010 | $840 |
| Hernando County, FL | $120,600 | $1,131 | $880 | $1,520 | $640 |
| Oldsmar, FL | $176,100 | $994 | $780 | $1,330 | $550 |
| Lake County, FL | $155,100 | $1,303 | $1,020 | $1,750 | $730 |
Research Home Insurance Companies Reviews in Lakeland, FL Before Buying | Back to Top
Share a review on your home insurance company
GEICO Home Insurance Reviews
Date: September 08, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
The customer service at Geico has been outstanding. They answer 24/7 and I'm never on hold for more than two minutes.
Date: August 24, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Website/App
Very easy to navigate and make changes. Very clear as to what changes are being offered and made, good opportunity to cancel
Date: August 16, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
When comparing, the best savings was relative to the itemized value allotment in the case of loss. Otherwise, they were comparable for the other companies investigated.
Date: August 10, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
Very knowledgeable and courteous, very clear about changes being requested and made. Courtesy follow-ups when a claim has been filed.
Date: November 19, 2017 Age: 20 to 29 Gender: Male Marital Status: Married
Communication
They have never been pushy regarding other services available. They also do not communicate too often or unsolicited, which has been an issue with other companies in the past
Date: November 19, 2017 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
Coverage includes damage to the structure, contents, and coverage in the event that the house is unlivable. Additionally, there is itemized coverage for specific items within the home
Tower Hill Insurance Home Insurance Reviews
Date: September 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Communication
They every time communicate everything to me so we have a good communication
Date: September 21, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
The company has the best service ever, they really care about their costumes
Date: September 21, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
I the premium is really useful since they pay for all the damage so fast
Date: November 18, 2017 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Website/App
I really like the company's website because is modern and easy to use
Progressive Home Insurance Reviews
Date: December 27, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
The premiums and the deductible are excellent compared to the others that I have compared them when shopping around for insurance. I find it to be worth keeping them as my insurance company because of that.
Date: September 14, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
We have just moved and were in the process of securing home owners insurance for the new residence. We initially went to our current insurance provider, but had nothing but issues with calling as well as their website.
Date: November 28, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
Progressive offers a great service that most other places do not offer, covering just what I need and not charging me for the extra things that I do not need. Companies that provide a service this good are normally way over priced.
Assurant Specialty Property Home Insurance Reviews
Date: January 02, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
Due to my age and being young, seeking Insurance for my home was not like choosing for a car. Assurant Specialty Property helped teach and educate me on how the policy works, what it covered and broke down my plan. I did not understand my first months bill so I called Customer Service and they were more than helpful. THe rep was kind and patient which is a plus.
Date: December 07, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
I have not performed much in the way of comparison because my current company offers what I need and at a price I consider fair.
USAA Home Insurance Reviews
Date: July 19, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Previously we had Allstate insurance.USAA gave us a better rate than Allstate. We had been with Allstate for many years.As far as policy offerings,USAA did not cover the boat so we had to leave it with Allstate.
Liberty Mutual Home Insurance Reviews
Date: December 19, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
their offerings are very comparable to other insurance providers I have dealt with. They don't offer anything special or unique and their advertising motto that you only have to pay for what you need is really not different than other companies.
Allstate Home Insurance Reviews
Date: October 22, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Customer Service
It is an extremely reliable company with a lot of different coverage options and I like working with them because it's easy.
American Integrity Insurance Home Insurance Reviews
Date: April 03, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I would give American Integrity a 5 in comparison to other companies policy offerings. American Integrity covered our small home for up to two hundred and fifty thousand dollars.
Nationwide Home Insurance Reviews
Date: February 08, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Premium
I think my coverage is a little high, however, I have not shopped around because I have been so satisfied with their services. Eventually, I may have no choice but to compare prices.
People's Trust Insurance Home Insurance Reviews
Date: June 11, 2019 Age: 20 to 29 Gender: Unmarried Marital Status: Female
Premium
The premium, deductibles, policies & coverage are all spectacular. I am always impressed and feel safe having this insurance company.
State Farm Home Insurance Reviews
Date: October 22, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
So my home insurance cover with natural calamities like earthquake, floods, lighting strikes and hail. Also it covers for repair due to damage due to fire or theft.
Farmer's Insurance Home Insurance Reviews
Date: December 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
Customer service is one of the most important factors when it comes to an insurance company. If you need to contact someone in an emergency, you really should be able to get a hold of someone no matter the time of day. Farmers is available no matter what time of day it is, and you can always get a hold of them.