Straight answers about insurance in Lakeland & Polk County

Yes. Magnuson Insurance provides free, no-obligation insurance quotes for auto, home, business, flood, renters, boat, and umbrella coverage. Request one online at any time or call (863) 606-5147.

Standard homeowners insurance does not cover flood damage. Because Lakeland is surrounded by lakes and low-lying areas, many homeowners carry separate flood insurance even when their property sits outside a designated high-risk flood zone.

A hurricane deductible is a separate deductible, usually 2%, 5% or 10% of your dwelling coverage rather than a flat dollar figure, that applies to hurricane damage on Florida homeowners policies. Florida law requires insurers to offer 2%, 5% and 10% options, and lower-valued homes can also choose a $500 deductible.

Florida law requires at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability coverage. Magnuson Insurance can help you decide whether additional bodily injury liability coverage makes sense for your situation.

Yes. As an independent agency, Magnuson Insurance compares rates and coverage across multiple carriers, including Progressive, GEICO, American Integrity, Heritage, Citizens Property Insurance Corporation, and Universal Property & Casualty, rather than selling policies from a single insurance company.

Report the claim to your insurance company's claims line as soon as you safely can. Every carrier's claims number is in the Carrier Claims & Payments directory on our Carriers page. Then call Magnuson Insurance at (863) 606-5147, and a licensed agent will help you through the claim with your carrier. Florida law sets deadlines for reporting property claims, so don't wait.

Yes. Magnuson Insurance serves clients throughout the state of Florida.