Save on Florida insurance: we compare carriers, discounts and credits 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, checks for savings like wind mitigation credits, bundled policies and deductible choices, then explains the options in plain terms.
- Independent agency: we compare prices, not one company's policy
- Serving Lakeland & all of Florida
- Free policy reviews to find savings, no obligation
Coverage we compare for Florida families and businesses
View all coverage →Homeowners Insurance
Florida home insurance compared across carriers, with wind mitigation credits, deductible choices and Citizens alternatives checked to lower your price.
Learn more → PersonalAuto Insurance
Florida auto insurance compared across standard, non-standard and usage-based carriers, with the discounts you may qualify for checked for you.
Learn more → PersonalLife Insurance
Term, whole and final expense life insurance compared by a licensed Florida life agent, starting with term, usually the lowest cost. No health questions here.
Learn more → CommercialBusinessowners Insurance
A businessowners policy (BOP) packages liability and property for small businesses, often for less than buying them separately. Compared across carriers.
Learn more → CommercialCommercial Auto Insurance
Commercial auto compared across carriers, from one pickup to a fleet, with each vehicle rated for its real use, plus hired and non-owned auto.
Learn more → CommercialGeneral Liability Insurance
General liability compared across carriers and classified for what your business really does, the policy contracts and landlords ask to see.
Learn more →Three steps to a better price on the right coverage
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Tell us what you pay now
Start a quote online in a few minutes, call us, or stop by our Lakeland office. Have your current declarations page handy, so we can compare your price line by line.
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We look for savings
A licensed agent shops your coverage across 45 insurance companies and specialty markets and checks the discounts, credits and deductible choices that can lower your price without leaving gaps.
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You choose, we keep checking
We lay the options side by side in plain terms. After you buy, we're here for changes and claims, and we take a fresh look when your renewal goes up. Coverage isn't bound until an agent confirms it with the carrier.
Answers before you call
All tools →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 prices and coverage across multiple carriers, then look for the credits and discounts that lower what you pay, without leaving the gaps you'd regret after a hurricane or a crash.
- Side-by-side quotes, so you see what each carrier charges
- Wind mitigation credits, bundles and deductible choices checked for you
- A fresh look at your options when your renewal goes up
- Local knowledge of Lakeland and Polk County, and help when you file 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 →Motorcycle Insurance in Florida: What the Law Requires and What Riders Should Carry
Florida doesn't require insurance to register a motorcycle, and PIP doesn't apply to bikes. What the law does require, the helmet rule and what to carry.
Read article →Insurance for Florida Snowbirds: Your Car, Your Seasonal Home and the Months You're Away
Wintering in Lakeland or Polk County? Florida's 90-day car insurance rule, keeping a registered car insured, and protecting a seasonal home while you're gone.
Read article →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 →Frequently asked questions
How can I lower my insurance costs in Florida?
Start by comparing carriers, since each prices the same home, car or business differently. For a home, send a current wind mitigation report: section 627.0629, Florida Statutes, requires insurers' rates to include discounts for wind-resistant features. Choose your deductibles on purpose, ask about multi-policy, good student and safe-driving discounts where carriers offer them, and keep your claims history clean. Savings depend on your situation and each insurer's filed rates, so compare actual quotes.
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 prices and coverage from several companies 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.