Land O Lakes has 38,910 residents in 14,262 households. We list 88 insurance agencies in Land O Lakes. Here is what the local numbers say about the cover people here need.

Land O Lakes at a glance

88insurance agencies listed
17.1%of households rentRenters insurance
$377,400median home valueHome insurance
1999median year homes were builtRebuild cost calculator
2.5%of households have no carAuto insurance
4.2%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Pasco County

FEMA rates the overall natural hazard risk in Pasco County, where most Land O Lakes agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Land O Lakes agencies are

Land O Lakes agencies we list sit in 3 ZIP codes, mostly in Pasco County.

3463850 agencies
3463925 agencies
3463713 agencies

Questions

Insurance agencies in Land O Lakes

How do I find an insurance agency in Land O Lakes?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Land O Lakes?

FEMA's National Risk Index rates inland flooding risk in Pasco County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Land O Lakes?

17.1% of households in Land O Lakes rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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