Lakeland Insurance Rates:

Lakeland, FL homeowners insurance is about $975 to $1,321, about $81-$110/month. Our extensive research shows customers can save upto $458 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
The claims process is easy and straightforward. i call and speak to someone and they have an adjuster out within a week.
Allstate
The one claim i have had in the five years with allstate was due to storm damage the first adjuster that came out to assess the damage tried to claim that the damage to my roof was from age. i had to get another adjuster out to do another assessment and they stated it was clearly wind damage, it delayed repairs which was unnecessary.
State Farm
My current plan with state farm insurance offers greater coverage than my previous provider at a premium that is 30% less.
Geico
I do like my premiums and think I am paying a reasonable amount for the size and value of my home. And my policy gives me peace of mind because I'm covered for a good portion of the things I wouldn't normally be able to afford out of pocket.
Allstate
I haven't had a lot of interaction with them but the interaction that I have had, has been very positive. I have had nothing but a positive experience.
Tower Hill Insurance
I've never used the website so I don't really know how to rank it. Luckily IÃḃ€™ve never had to put in a claim, and I purchased the insurance through an agent, not through the website.
Usaa
Easy to work with, US based customer service, easily included into my escrow payment for my mortgage.
Citizens Property Insurance
The app works okay, but sometimes crashes, and I reinstall it. Otherwise, it's pretty easy to use and efficient. I tend not to use the app because I do most of my "accounts" work on my laptop.
Assurant Specialty Property
I think the premiums could be a little lower. I don't like the percentage based deductible. I would rather have a flat rate deductible.
People's Trust Insurance
I haven't received much communication but that's alright. Interactions via phone have been finding. I always get the answers I have needed.
Geico
I think it's a fairly standard deductible.
Citizens Property Insurance
I would say I'm very happy with them. They are covering my house in case of any damage and protecting the people that are on my property. What more could I ask for?
Usaa
I hate that they are not local. Their phone service is great but sometimes doing things face to face has value. That is the only shortcoming that I have experienced. I think they do a good job compensating for the phone thing.
Usaa
Their reps are very knowledgeable about the products they offer. They are always willing to review my policies and offer suggestions for coverages. They are a full-service institution.
Security First Home Insurance
They offer the kindness and personal touch of a small town company, while still maintaining the professionalism of a large company. The rates are highly competitive, and they make sure to stay in touch via email with any follow ups.
Usaa
The company has always been at the forefront of the insurance industry, their quality customer service paired with rapid response times makes them exceptional.
Farmer's Insurance
I don't specifically like anything about the company. I look at it as a necessary evil and there is no way around it. All in all, the whole thing is way more expensive than it should be.
Usaa
I dislike their website as far as it isn't as up-to-date as it should be. They have had the same options for 15 years, and it's difficult to find exactly what I am looking for.
Geico
What I dislike about the company is that they don't give you a discount for having your house and car insurance through them because of the state I live in.

Lakeland, FL Homeowners Insurance By Home Value

Lakeland, FL Home Value Total Homes % of Total Average Lakeland, FL Homeowners Insurance
Less than $50,000 10,162 16.0% $217
$50,000 to $59,999 2,297 3.0% $470
$60,000 to $69,999 2,646 4.0% $584
$70,000 to $79,999 2,956 4.0% $665
$80,000 to $89,999 3,688 5.0% $757
$90,000 to $99,999 2,951 4.0% $848
$100,000 to $124,999 7,089 11.0% $986
$125,000 to $149,999 5,601 9.0% $1238
$150,000 to $174,999 6,885 11.0% $1456
$175,000 to $199,999 4,359 7.0% $1686
$200,000 to $249,999 6,366 10.0% $2030
$250,000 to $299,999 3,737 6.0% $2477
$300,000 to $399,999 3,036 4.0% $3154

Top Home Insurance Agents Near Lakeland, FL

Home Insurance Company Near Lakeland, FL Homeowners Insurance Agency Near Lakeland, FL Address
Liberty Mutual Independent Arthur J Gallagher Risk Management Services, Inc. 4904 EISENHOWER BLVD STE 250, TAMPA, FL, 33634
Allstate Daniel Mora 1664 Pleasant Hill Rd, Kissimmee, FL, 34746
State Farm Jim Ackerman 922 Lake Baldwin Ln Ste A, Orlando, FL, 32814-5900
Travelers Lassiter Ware Inc 1317 CITIZENS BLVD, LEESBURG, FL, 34748
Allstate Sandra Bourquardez 7901 4th St N Ste 205, St Petersburg, FL, 33702

Cost Of Homeowners Insurance By Street Near Lakeland, FL

Streets in Lakeland Area Homeowners Insurance Cost
N Citrus Grove Blvd, Brangus Dr, Eight Point Ln, Laurel Glen Dr, Pas Ln, E Palm Dr, Lake Cove Ln, Stanhope Ave, US Hwy 98 S, Conrad St$1,199
N South Rte, W End Ave, Bonnybrook Dr S, Paul St, Ridgeview Dr, McIntosh Dr, Louise Dr, Kenilwood Ln, McKay Ct, Hunters Greene Blvd$1,161
Neptune Rd, Micanopy Dr, Hallamwood Trl W, Forest Park St, Country Rd, Robertson St, Fairway Ave, Renes Ave, Tenoroc Mine Rd, Hancock Ave SE$1,128
Holloway Shores Dr, Stanford Dr, W Do Wee Ct, Lime Ave SE, Denton St, Duff Meadows Trl, Mount View Dr, Tall Pines Trl, N Lazy Lake Dr, Taylor Rd E$1,149
Congenial St, Olive St, N Vermont Ave, Flamingo Ave, Kitty Fox Ln, Walker Cir W, Mayaguez Rd, Wellsford Dr, Francis Blvd, Carleton St$1,148
Robinswood Ct N, Perch Pl, Busy Bee Ln, Verandah Vue Dr, Al Kaline Dr, Thomasville Ln, Hibiscus Pkwy W, Geranium Loop, Grove Cir, Oakleaf Dr$1,120
Queens Loop S, John Arthur Way, N Lake Parker Ave, Oconee St, Country Oaks Ln, Thomasville Dr, Sunny Ln, Lismore Dr, South Rd, Kenilworth Pl$1,150
Lazy Oaks Ln, Sunset Way, Martha Ave, N Kentucky Ave, S Kentucky Ave, Howard Rd, Northshore Dr, Colorado Ct, Watson Oaks Ct, Hendricks Rd$1,121
Perkle Rd, Lantana Ln, Suncrest Ave, Phipps Rd, Jennifer Dr, State Hwy 471, Old Spanish Trl, Walnut Cir N, Haymarket Dr, Carleton St$1,138
S Hampton Dr, Tavares Rd, Caracara Cir S, Driftwood Dr, Palmer Rd, Queen St, Crystal Lake Acres Dr, Sandy Knoll Cir S, Jordan Heights Dr, Marla Ave$1,136

Lakeland, FL Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lakeland$171 to $174
Kathleen$171
Combee Settlement$168
Polk City$172

Lakeland, FL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Kathleen CDP, Florida $143 $191 $286
Combee Settlement CDP, Florida $140 $187 $280
Crystal Lake CDP, Florida $140 $187 $280

Lakeland, FL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Lakeland, FL7.2%22.5%
Kathleen8.9%25.56%
Combee Settlement10.27%35.25%
Crystal Lake9.96%26.09%

Lakeland Renters Insurance as a Percentage of Rent

Lakeland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 545 1.0% $793
$300 to $499 1,417 5.0% $1243
$500 to $749 6,428 23.0% $1918
$750 to $999 9,393 33.0% $2668
$1,000 to $1,499 7,880 28.0% $3793
$1,500 or more 1,842 6.0% $5443

Average Cost Of Home Insurance By Company In Areas Nearby Lakeland For Different Scenarios

Home value ($) Age of home (years) Wind mitigation Company Average homeowners insurance premium ($)
150,000 27 NO First Community Insurance $1,970
150,000 27 YES Florida Farm Bureau Casualty Insurance $973
150,000 27 YES Southern Oak Insurance $1,694
150,000 27 YES United Property & Casualty Insurance $871
300,000 12 NA Florida Family Insurance $2,799
300,000 12 NA Tower Hill Select Insurance $1,554

Lakeland, FL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$6,800
Yearly Lakeland Homeowner Insurance Premium Example $4,300$3,300
Out of Pocket Expense During Claim$800$6,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $30,900$29,900
Net Savings to Lakeland Home Owner from High Deductible Plan $1,000

Lakeland, FL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lakeland, FL Home Replacement Value MORE than Home Value Lakeland, FL Home Replacement Value LESS than Home Value
Replacement Value $92,000 $72,000
Insurance Premium based on Replacement Value $1,600 $1,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $10,000 Risk Exposure from Under Insuring Coverage is $10,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $175/year

Example Lakeland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceChubb Group of InsuranceLiberty Mutual
Monthly Premium 136314305
Year Built 199219892006
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$250000-$300000$250000-$300000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Lakeland, FL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 180,000 Composition Roof 1,900 3 $1000-$2500 Deductible 2140 8 Stone Siding yes
1975 200,000 Shingles Roof 2,170 3 $500 Deductible 3070 10 Fiber-Cement Siding yes
2010 195,000 Metal Roof 2,400 5 $500- $1000 Deductible 1630 5 Wood siding yes
1999 280,000 Tile Roof 3,350 4 $500 Deductible 6260 12 Wood siding yes
2010 175,000 Tile Roof 2,060 4 $5000 to $10,000 Deductible 1550 7 Stucco siding No
2010 245,000 Metal Roof 3,730 5 $500 Deductible 2140 7 Stone Siding yes
1972 315,000 Metal Roof 3,280 5 $500 Deductible 4770 9 Stucco siding yes
1986 165,000 Asphalt Shingles Roof 2,290 4 $2500-$5000 Deductible 2410 12 Wood siding No
1996 220,000 Asphalt Shingles Roof 2,260 3 $1000-$2500 Deductible 2790 9 Wood siding No
1973 110,000 Wood Shake Roof 1,590 3 $500- $1000 Deductible 330 3 Stone Siding No
2005 145,000 Shingles Roof 2,000 4 $500 Deductible 1010 4 Stucco siding yes
1984 195,000 Shingles Roof 2,370 4 $500 Deductible 2760 10 Stucco siding No
1977 185,000 Slate Shingles Roof 2,240 4 $500 Deductible 390 1 Stucco siding yes
2011 225,000 Shingles Roof 2,390 3 $1000-$2500 Deductible 2590 7 Vinyl siding No
2010 305,000 Metal Roof 4,580 5 > $10,000 Deductible 2810 9 Brick siding yes
1977 170,000 Shingles Roof 2,360 3 $2500-$5000 Deductible 650 4 Brick siding No
2001 155,000 Wood Shake Roof 1,840 4 $500 Deductible 2120 6 Vinyl siding No
1993 160,000 Metal Roof 2,220 3 $1000-$2500 Deductible 1190 7 Stone Siding yes
1984 105,000 Shingles Roof 1,510 5 $2500-$5000 Deductible 630 4 Stone Siding yes
1986 210,000 Tile Roof 2,310 3 $500- $1000 Deductible 3800 12 Vinyl siding No
2013 170,000 Composition Roof 1,820 4 $5000 to $10,000 Deductible 1660 10 Vinyl siding No
1990 220,000 Composition Roof 2,410 4 $2500-$5000 Deductible 3620 10 Vinyl siding No
1981 120,000 Wood Shake Roof 1,280 3 $500 Deductible 670 3 Vinyl siding No
1984 255,000 Wood Shake Roof 3,010 4 $1000-$2500 Deductible 1460 6 Stone Siding yes
2000 235,000 Membrane Roof 2,691 4 $500- $1000 Deductible 2150 7 Stone Siding yes