Non-renewed, stuck in Citizens, or up against a roof-age rule? We compare Florida carriers for you.
Magnuson Insurance is an independent agency in Lakeland. A licensed agent shops your home, auto, flood and business coverage across 45 insurance companies and specialty markets, then explains the options in plain terms.
- Independent agency — we shop multiple carriers for you
- Serving Lakeland & all of Florida
- Free policy reviews, no obligation
Insurance products built for Florida families and businesses
View all coverage →Homeowners Insurance
Coverage built for Florida's storms and sunshine alike.
Learn more → PersonalAuto Insurance
Protect your vehicle and your finances on Florida's roads.
Learn more → PersonalLife Insurance
Term, whole and final expense life insurance, quoted by a licensed Florida life agent.
Learn more → CommercialBusinessowners Insurance
Combine General Liability and Property to maximize coverage and savings.
Learn more → CommercialCommercial Auto Insurance
Coverage for vehicles your business owns, leases, or uses for work.
Learn more → CommercialGeneral Liability Insurance
Core protection against third-party injury and property damage claims.
Learn more →Three steps to the right coverage
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Tell us what you need
Start a quote online in a few minutes, call us, or stop by our Lakeland office. Have your current declarations page handy if you have one.
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We compare carriers
A licensed agent shops your coverage across 45 insurance companies and specialty markets, looking at price, deductibles, exclusions and the carrier's appetite for your home, vehicles or business.
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You choose, we stay with you
We walk you through the options in plain terms. After you buy, we're here for changes, renewals and claims. Coverage isn't bound until an agent confirms it with the carrier.
Answers before you call
All tools →Flood zone lookup
Any address's zone on FEMA's flood map, with a printable PDF report.
Open →Hurricane deductible calculator
Your 2%, 5% or 10% deductible in dollars, before a storm.
Open →Roof age check
Where your roof stands under Florida's 15-year roof law.
Open →Citizens estimate
A non-binding Citizens estimate from its published rates.
Open →An independent agent works for you — not one insurance company.
Captive agents can only sell you one company's policies. As an independent agency, we compare rates and coverage across multiple carriers so you get the best fit for your budget and your risk — whether that's hurricane season on your home or a fleet of vehicles for your business.
- Personalized coverage reviews, not one-size-fits-all quotes
- Local knowledge of Lakeland and Polk County risk factors
- Support when you actually need it — filing and navigating a claim
Real feedback from Lakeland & Polk County customers
Named a 2026 Best Insurance Agency finalist in The Ledger's Best of Central Florida Community's Choice Awards, voted by local readers.See the finalists (opens in a new tab)
Our rating and every review come straight from Google, unedited. Read what Lakeland and Polk County customers say, then decide for yourself.
Already a customer? A short review helps your neighbors find an agent they can trust.
Local insurance guidance across Florida
Insurance guidance for Florida homes, drivers and businesses
Read the blog →Citizens Property Insurance in Florida: Eligibility, the 20% Rule and Leaving
How Citizens Property Insurance works in 2026: who's eligible, the 20% rule, the $700,000 limit, takeout offers and how to move to a private insurer.
Read article →Flood Insurance in Lakeland and Polk County: Zones, Lookups and Waiting Periods
Lakeland and Polk County flood insurance: find your FEMA flood zone, the NFIP 30-day wait, Citizens flood rules and local CRS discounts.
Read article →Florida Car Insurance Requirements in 2026: What the Law Requires and What It Leaves Out
Florida requires $10,000 PIP and $10,000 property damage liability. What PIP pays, when bodily injury is required and where the minimum falls short.
Read article →Frequently asked questions
What is an independent insurance agency?
An independent agency isn't tied to one insurance company. Magnuson Insurance works with 45 insurance companies and specialty markets, so a licensed agent can compare several options for your home, car or business instead of offering one company's policy.
Do you only insure people in Lakeland?
No. Our office is in Lakeland, at 124 S Florida Ave, and Magnuson Insurance is a licensed Florida agency (license L104700) helping clients across the state, from Polk County to Tampa Bay, Orlando, South Florida and North Florida.
Can you help if my home was non-renewed or I'm with Citizens?
Yes. We compare private carriers that may write your home and check whether Citizens Property Insurance is an option. Under section 627.351(6), Florida Statutes, a primary residence generally isn't eligible for Citizens when a private insurer offers comparable coverage for no more than 20% above the Citizens premium, so it pays to shop.
Can I get a quote online?
Yes. Our quote form takes a few minutes, and a licensed agent follows up with your options. Have your current declarations page, driver and vehicle details or home details ready. Coverage can't be bound or changed through a website submission; an agent confirms it with the carrier first.
Ready to see what you could be saving?
Get a free, no-obligation quote in minutes — or book a call with a local agent.