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 calculated as 2% to 5% of your dwelling coverage amount rather than a flat dollar figure, that applies specifically to hurricane and windstorm damage on Florida homeowners policies.

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.

Call Magnuson Insurance directly at (863) 606-5147 or book a free Policyholder Account Review online, and a local agent will walk you through the claims process with your carrier.

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