The top-rated renters insurance agent in Lakeland, Florida is Mike Dluzniewski - State Farm Insurance Agent, rated 4.9 stars across 620 reviews. Other highly rated options include Amistad Insurance | Affordable Insurance Lakeland, Garland Insurance, Inc., Acceptance Insurance. This directory lists 20 renters insurance agents serving Lakeland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mike Dluzniewski - State Farm Insurance Agent | 1818 Harden Blvd #140 | (863) 816-6092 |
| 2 | Amistad Insurance | Affordable Insurance Lakeland | 743 S Combee Rd | (863) 333-4019 |
| 3 | Garland Insurance, Inc. | 5620 US Hwy 98 N | (863) 683-9334 |
| 4 | Acceptance Insurance | 4221 Florida Ave S | (863) 733-7005 |
| 5 | Advantage Insurance | 4404 Florida Ave S Suite 8 | (863) 808-1808 |
| 6 | Lock Insurance, A Division of World | 225 Doris Dr | (863) 646-4300 |
| 7 | Bret Denney - State Farm Insurance Agent | 5300 Florida Ave S #1 | (863) 644-3505 |
| 8 | Mark Lanier - State Farm Insurance Agent | 305 W Highland Dr | (863) 644-6619 |
| 9 | Headley Insurance Agency | 3544 Florida Ave S | (863) 701-7411 |
| 10 | Freeway Insurance | 1539 S Combee Rd | (863) 733-7001 |
Mike Dluzniewski - State Farm Insurance Agent serves the Lakeland, Florida area with renters insurance services. As a local agent, the business helps tenants protect their personal belongings from common risks like theft, fire, and water damage. This coverage also includes liability protection for accidents that may occur within a rented apartment, condo, or house. The agent assists clients in understanding policy limits and deductibles to match their specific needs. They handle claims processing and policy adjustments for renters throughout the Lakeland region.
Serving homeowners, renters, and property managers throughout the Lakeland area, Amistad Insurance | Affordable Insurance Lakeland specializes in renters insurance policies that protect personal belongings and provide liability coverage. The agency helps clients understand policy options, ensuring tenants have adequate protection for unexpected events like theft or water damage. It also extends its renters insurance services to residents in the nearby community of Winter Haven.
Garland Insurance, Inc. provides renters insurance services in Lakeland, FL, including policy consulting and coverage adjustments for tenants. The company assists clients in reviewing their existing plans and helps them choose additional protection for personal belongings and liability. Its maintenance plans typically involve annual policy updates to reflect new inventory or life changes. It services single-family homes, apartments, retail spaces, and restaurants.
Acceptance Insurance in Lakeland, Florida provides renters insurance policies tailored to protect personal belongings and liability. It assists clients in selecting coverage for furniture, electronics, and other possessions while offering options for additional living expenses if a home becomes uninhabitable. The agency guides renters through policy details, ensuring compliance with landlord requirements. It also helps address concerns about theft and fire damage during peak moving seasons, when new tenants often need immediate protection for their property.
Advantage Insurance in Lakeland, FL, offers renters insurance that protects personal belongings and provides liability coverage, distinguishing between a single premium payment for a policy term and recurring monthly or annual billing options for ongoing protection. Their agents help tenants select appropriate coverage limits for property like electronics and furniture, applicable to both apartments and houses rented in the area. Service operates on an as-needed basis, with clients able to request assistance or policy changes without a scheduled appointment.
Lock Insurance, A Division of World serves renters in Lakeland, Florida, and the surrounding communities of Central Polk County. It handles renters insurance policies that protect personal belongings and provide liability coverage for tenants. The company takes a straightforward, consultative approach to each job, beginning with an assessment of a client’s specific coverage needs and budgetary constraints.
Bret Denney - State Farm Insurance Agent in Lakeland, FL offers tailored renters insurance coverage for personal property and liability protection. The agency provides general assistance in selecting policies that match individual living situations, helping clients understand coverage limits and deductibles. Local renters often seek guidance when moving into apartments or seasonal rentals, and the agency also helps with concerns about covering belongings during the Florida hurricane and storm season from June through November.
As Lakeland's storm season pushes residents to review their coverage, Mark Lanier’s agency assists with renters insurance tailored to local needs. He helps tenants find protection for personal belongings against common risks like fire and theft. The office reviews each policyholder’s living situation to suggest appropriate liability limits. A full walkthrough of the rental home is scheduled to identify specific valuables and existing safety features before finalizing the quote.
Headley Insurance Agency works in Lakeland to help renters protect personal property and cover liability risks. It specializes in adding coverage for high-value items like jewelry and electronics that fall outside standard policies. The agency also helps arrange loss-of-use benefits if a rented home becomes uninhabitable. Commercial sectors it can serve include offices needing contents coverage, warehouses requiring broader liability protection, and food service operations that may depend on specialty property insurance for equipment and inventory.
As hurricane season approaches in Lakeland, renters often seek reliable coverage for their personal belongings and liability protection. Freeway Insurance assists clients in navigating policy options tailored to local multi-family homes and apartment complexes. Their agents clarify essential coverage terms and deductible choices, ensuring tenants understand what their policy includes. Each new application begins with a straightforward review of the renter's current possessions and building layout to help determine appropriate coverage limits. This initial assessment typically requires a phone discussion regarding security features and estimated property value.
What Does a a Renters Insurance Agent in Lakeland Cost?
Renters insurance in Florida typically costs between 15 and 30 dollars per month for a standard policy with 30,000 dollars in personal property coverage and 100,000 dollars in liability. Costs in Lakeland may be slightly lower than coastal areas due to reduced hurricane risk. Prices vary based on coverage amounts, deductible choices, and the value of your belongings. This is general information and not insurance advice.
About renters insurance agents in Lakeland
A renters insurance agent in Lakeland Florida helps you protect your personal property and liability. Florida law does not require renters insurance but many landlords in Polk County do require it. An agent can explain how Florida hurricane deductibles and sinkhole coverage may apply to your policy.
Frequently Asked Questions
What does a renters insurance agent in Lakeland do?
A renters insurance agent helps you choose a policy that covers your belongings and provides liability protection. They can also explain Florida specific rules like the 10 day grace period for premium payments under Florida Statute 627.726. Agents shop multiple carriers to find a plan that fits your budget.
Is renters insurance required by law in Lakeland Florida?
No state law requires renters insurance in Florida. However many landlords in Lakeland require it as a condition of the lease. Florida Statute 83.51 allows landlords to require tenants to carry renters insurance and list the landlord as an additional insured.
How do I choose a renters insurance agent in Lakeland?
Look for an agent licensed in Florida who has experience with local risks like hurricanes and theft. Ask about coverage limits for personal property and liability. A good agent will explain the difference between actual cash value and replacement cost coverage.
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