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Homeowners Insurance  »  Florida  »  

Lakeland

Let TGS Handle the Heavy Lifting: Top-Tier Home Insurance and Savings in One Place

 

As an independent agency, TGS Insurance Agency partners with over 55 top-rated insurance carriers, offering you a wide range of comprehensive home insurance options. Our expert agents are dedicated to making the insurance shopping process simple and hassle-free. From the moment you request a free, instant quote, we handle the hard work, customizing your policy to fit your needs and identifying every available discount. Our commitment to exceptional service means you receive the best coverage at competitive rates. At TGS Insurance Agency, we do the shopping so you can enjoy the savings. Yes, it really is that easy.

 

Lakeland Homeowners Insurance Basic Coverages Explained

 

Your home is much more than just a structure—it’s the heart of countless memories. Ensuring you have the right home insurance in Lakeland is essential. A typical policy safeguards against losses from weather events, theft, and accidents, covering your home’s structure, personal belongings, liability, and additional living expenses. Since every homeowner has unique needs, it’s vital to collaborate with a reliable agent to tailor your coverage. Whether you need to add flood insurance or increase liability limits, we’re here to ensure your home and cherished memories are well protected.

 

What is the Typical Cost of Home Insurance in Lakeland?

 

For TGS Insurance customers in Lakeland, the average annual cost of home insurance is $2,421. This average is calculated for homes with an average value of $337,934 and includes windstorm and hail coverage with a 2% deductible. The cost of your policy can fluctuate based on various factors, such as the age, value, and location of your home, as well as your credit score and coverage preferences. At TGS Insurance Agency, we offer flexible options to help you tailor your policy to your needs and budget. Start with a free instant home insurance quote by entering your address above to find the perfect fit for your coverage needs.

 

Understanding Dwelling Coverage Impact on Premium in Lakeland

 

Dwelling coverage is a vital part of home insurance, safeguarding the physical structure of your home against covered hazards. Your policy typically offers coverage up to a certain dollar amount, known as the policy limit. It’s essential to set a dwelling coverage limit high enough to cover the full cost of rebuilding your home if it were to be completely destroyed.

 

The dwelling coverage limit plays a significant role in determining your home insurance premium. Generally, higher coverage limits translate to higher premiums because the insurer takes on more risk. Below is a summary of the average home insurance premiums based on varying dwelling coverage limits.

 

Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$200,000 - $299,999$2,068
$300,000 - $399,999$2,388
$400,000 - $499,999$2,846
$500,000 - $599,999$3,378
$600,000 - $699,999$4,319
$700,000 - $799,999$4,794

 

Home Insurance Costs by Zip Code in Lakeland

 

Many local factors can influence home insurance rates in Lakeland, varying even within different zip codes. Elements such as crime rates, the risk of natural disasters,, and even how close your home is to a fire station can affect your premiums. In Lakeland, the ZIP code with the highest average premium is 33813. The average cost for that ZIP code is $2,758. 

 

How Lakeland Home Insurance is Affected By the Size of Your Home

 

Home insurance costs are significantly influenced by the size of the property. Larger homes generally attract higher insurance premiums because the expense to repair or replace them in the event of a claim is greater. More square footage means higher costs for materials and labor needed for reconstruction. Additionally, larger homes often contain more personal items, which increases the coverage amount required. Insurers also factor in the more extensive and complex systems found in larger homes, such as plumbing and electrical, which are costlier to maintain and repair. In contrast, smaller homes tend to have lower insurance premiums due to their reduced replacement costs and fewer belongings.

 

For instance, TGS Insurance customers in Lakeland with homes larger than 2,500 square feet pay an average annual premium of $3,245, compared to those with homes under 2,500 square feet who pay around $2,242 per year. This comparison highlights the impact of home size on insurance costs, with larger homes resulting in higher premiums due to greater potential claims.

 

Why Do Home Insurance Premiums Differ Between Carriers?

 

Home insurance rates can vary significantly from one carrier to another due to a variety of factors. Each insurance company uses a different formula to evaluate risk, considering elements like the home’s location, age, and condition, along with the homeowner’s past claims and credit history. Carriers also offer various discounts, including those for bundling policies, installing security systems, or having a no-claims history. Additionally, insurers’ methods of assessing regional risks and past natural disasters can influence premium costs. The quality of customer service and the financial health of the insurance provider can also affect rates, with more established firms possibly charging higher premiums for their reliability and comprehensive coverage. As a result, homeowners should compare quotes from several carriers to find the best rate and coverage for their needs.

 

Zip Codes in Lakeland We Cover

 

3380133802338033380433805
3380633807338093381033811
338123381333815

Can’t find your zip code? No worries! We’re here to assist homeowners across Florida in securing the best home insurance coverage. Begin with a free instant quote by entering your address above.

TGS Insurance is Lakeland's Premier Home Insurance Provider

Lakeland neighborhood

Lakeland, Florida, is renowned for its beautiful lakes, historic architecture, and the annual Sun ‘n Fun airshow. The city offers a mix of charming downtown shops, cultural venues, and scenic parks, providing a quaint yet lively atmosphere.

Lakeland neighborhood

At TGS Insurance Agency, we offer personalized insurance coverage tailored to meet the unique needs of our Lakeland residents. Our dedicated team delivers exceptional service and competitive rates. Protect what matters most with a free quote today.

Key Home Statistics in Lakeland

122,264

Total Population in Lakeland, FL

$324,320

Average Home Value in Lakeland, FL

$101,221

Median Household Income in Lakeland, FL

41

Median Age in Lakeland, FL

Trust TGS Insurance in Lakeland

Data as of December 09, 2024

24,189

Total
Customers

$10.1 B

Total Assets Covered Projected

24,000

Total Homes Insured

9,000

Total Vehicles Insured

Major Neighborhoods in Lakeland, FL

Image of Beacon Hill Neighborhood

Beacon Hill

Beacon Hill is a historic neighborhood featuring charming bungalows, mature trees, and a close-knit community, perfect for those seeking character and charm.

Image of South Lake Morton Neighborhood

South Lake Morton

South Lake Morton offers historic charm with vintage homes, tree-lined streets, and proximity to the vibrant downtown area.

Image of Cleveland Heights Neighborhood

Cleveland Heights

Cleveland Heights boasts a family-friendly atmosphere with well-maintained homes, parks, and access to the Cleveland Heights Golf Course.

Local Home Resources in Lakeland, FL

Fire Departments
Fire Department - Maintenance730 E Main St
Lakeland, FL 33801
(863) 834-8202
Highland City Volunteer Fire Department4101 Clubhouse Rd
Lakeland, FL 33812
(863) 648-3154
Lakeland Fire Dept701 E Main St
Lakeland, FL 33801
(863) 834-8200
Medulla Volunteer Fire Department - Station 15001 Old State Highway 98
Lakeland, FL 33812
(863) 648-3156
Medulla Volunteer Fire Department - Station 24525 Ewell Rd
Lakeland, FL 33811
(863) 648-3155
Polk County Fire Dept2450 E Main St
Lakeland, FL 33801
(863) 499-2555
Polk County Fire Dept8936 Us-98 N
Lakeland, FL 33809
(863) 853-6028
Sleepy Hill Fire Dept3030 Sleepy Hill Rd
Lakeland, FL 33810
(863) 853-6029
Police Departments
County Sheriff's Office4120 Us Highway 98 S
Lakeland, FL 33815
8634992400
County Sheriff's Office4120 Us Highway 98 S
Lakeland, FL 33812
8634992400
County Sheriffs Office4120 US Highway 98 S
Lakeland, FL 33815
8634992400
Highway Patrol3247 Lakeland Hills Blvd
Lakeland, FL 33815
8634992300
Highway Patrol3247 Lakeland Hills Blvd
Lakeland, FL 33805
8634992300
Lakeland Police Dept219 N MASSACHUSETTS AVE
LAKELAND, FL 33801-4972
8638346900
Lakeland Police Dept219 N Massachusetts Ave
Lakeland, FL 33815
8638346900
Lakeland Police Dept219 N Massachusetts Ave
Lakeland, FL 33801
8638346900
Pasco County Sheriffs Office4120 US Highway 98 S
Lakeland, FL 338124207
8634992400
Polk County Sheriff's Office1045 Wedgewood Estates Blvd
Lakeland, FL 33809
8635771600
Polk County Sheriff's Office4120 US Highway 98 S
Lakeland, FL 33813-4207
863-499-2400