Homeowners Insurance in Lakeland, Florida

Nearly smack dab in the middle of Tampa and Orlando, Lakeland, Florida is a bustling city surrounded by beautiful lakes and bodies of water.

With people moving to the city in droves and its unique location near the Gulf Coast, getting homeowners insurance in Lakeland, Florida is extremely important in order to protect your property, personal belongings and much more.

Let’s take a look at what a Lakeland home insurance policy covers, where to get the best one and how much you can expect it to cost.

The average cost of homeowners insurance in Lakeland is about $3,717 annually, although the amount you pay is ultimately determined by a variety of factors, including the company you choose, your claims history, coverage amounts, deductibles, and more.

Seeing how Florida is among the most expensive states in the nation for homeowners insurance, Lakeland residents enjoy a decent discount due to its location inland and away from the brunt force of hurricane winds relative to the state’s coastal cities.

Let’s take a look at what you can expect to pay from some of the city’s top insurance companies.

Aside from all the aforementioned factors, two of the biggest insurance rate factors are the year your home was built and whether or not you’ve taken proper steps to protect your home from heavy winds, which will get you a deep wind mitigation discount on your policy.

Prior to 2001, the Sunshine State had more relaxed building codes, which led to significant hurricane damage and costly claims for insurers. But the state updated its building codes in 2001 to mandate the proper protection from hurricane-force winds.

Those new building codes required construction companies to build homes with impact-resistant windows and doors and many other factors that have helped decrease the damage from hurricanes. Wind mitigation can easily save you thousands annually.

Your home insurance in Lakeland covers you from a multitude of perils, including hurricanes, tornadoes, house fires, torrential rains, other water damage, burglaries, dog bites and so much more. But it doesn’t just protect your house. Your policy also protects your personal belongings and your financial future if an accident were to occur on your property and you’re found liable.

Let’s take a look at the six different coverage types you’ll receive with a homeowners insurance policy from Clovered and detail some examples of what’s covered.

As an insurance agency licensed to operate in Lakeland and the entire state of Florida, Clovered has teamed up with the state’s top insurance companies so we can always provide you the best policy at the best rates.

A few of our partners in Lakeland include Citizens, Slide, and American Platinum, which are some of the best and most affordable insurance companies in Lakeland, depending on your circumstances.

Citizens is a state-run insurer, so its prices are often among the lowest in the state due to the limited number of homes that qualify for it. Private companies like Slide, People’s Trust, and American Platinum are excellent options for affordable coverage in Lakeland.

Given its name and the number of lakes inside the city limits, it likely doesn’t come as a surprise to find out that Lakeland is prone to flooding. Much of the city lies in moderate-risk flood zones, but some areas are at a high-risk for flooding.

Homeowners insurance doesn’t cover flooding anywhere in the country. For coverage, every homeowner in the United States would need to purchase a flood insurance policy, which runs for a fraction of the cost of homeowners insurance in Florida.

A flood insurance policy from Clovered may run you as little as $400 per year for coverage on a $300,000 house. That coverage protects your home’s structure, your personal belongings and even additional living expenses if floodwaters force you out of your home while it’s being repaired.

When you consider that just 1 inch of floodwaters can cause up to $25,000 in damage and that floods are the most common natural disaster in the world, investing in a flood insurance policy is well worth it.

At Clovered, we’ve partnered with the state’s top insurance companies and developed an online quoting tool to provide every person with quality homeowners insurance at an affordable price. Our ability to quote multiple prices at the same time means you can get a quote in just a few minutes and get back to living your life.

Simply answer a few questions about your home, we’ll quickly run the data and pair you with a policy that includes the coverage you need — and none that you don’t — at an affordable price.

You can also contact our licensed, in-house agents by phone Monday through Friday from 8:30 a.m. to 6 p.m. at 833-255-4117 or drop us an email anytime at agent@clovered.com.