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
Florida homeowners coverage compared across several carriers, with help on wind mitigation credits, roof age rules and Citizens alternatives.
Learn more → PersonalAuto Insurance
Florida auto insurance compared across carriers: the required PIP and property damage liability, plus the bodily injury and UM coverage worth adding.
Learn more → PersonalLife Insurance
Term, whole and final expense life insurance, explained and quoted by a licensed Florida life agent. No health questions are asked on our website.
Learn more → CommercialBusinessowners Insurance
A businessowners policy (BOP) combines general liability and commercial property for small businesses, often for less than buying them separately.
Learn more → CommercialCommercial Auto Insurance
Coverage for vehicles your business owns, leases or uses for work, from one pickup to a fleet, plus hired and non-owned auto for employees' cars.
Learn more → CommercialGeneral Liability Insurance
Coverage for injuries and property damage your business causes to others, and the policy most contracts and landlords ask to see on a certificate.
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 →Citizens estimate
A non-binding Citizens estimate from its published rates.
Open →USDOT lookup
A motor carrier's FMCSA status, authority and insurance filings.
Open →Business insurance lookup
The coverages to ask about for your trade, by NAICS code.
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.