Gibsonton Insurance Agency Local Agents L & M Insurance Group

L & M Insurance Group – Gibsonton’s Trusted Insurance Experts

Protecting What Matters Most, Right Here in Gibsonton, Florida

In a growing town like Gibsonton, FL, where small-town charm meets rapid development, protecting your home, family, and assets is more important than ever. That’s where L & M Insurance Group comes in—your reliable, local insurance agency with a deep understanding of the unique challenges and opportunities that come with living in Hillsborough County.

Located just minutes from the Alafia River and Tampa Bay, Gibsonton residents face distinct needs when it comes to insurance. From the threat of hurricanes to insuring waterfront properties, L & M Insurance brings over 20 years of hands-on experience in crafting policies that match the real-life conditions of our community.

Local Knowledge. Personalized Coverage. Real Peace of Mind.

As a locally owned and operated independent insurance agency, L & M Insurance is more than just a business in town—we’re your neighbors. We understand what it means to raise a family in Gibsonton, to invest in property near US-41, or to start a business in one of Florida’s most unique communities.

Our team doesn’t offer one-size-fits-all policies. Instead, we take the time to understand your situation and tailor solutions to match. Whether you’re buying your first home near Symmes Road or managing multiple rental units, we provide guidance with clarity, compassion, and a deep understanding of Florida’s insurance landscape.

Why Choose an Independent Agency in Gibsonton?

As an independent agency, we’re not limited to just one provider. Instead, we shop from a network of top-rated national and regional carriers to find you the best coverage at the best possible price. That flexibility allows us to offer:

Competitive premiums
Customized insurance packages
Objective advice with your best interests in mind

Whether you’re insuring your car, condo, or commercial space, we’ll match you with the right policy—so you’re covered when it counts.

Comprehensive Insurance Services – Tailored for Gibsonton

We provide a wide range of insurance products designed to meet the evolving needs of individuals, families, and businesses throughout Gibsonton:

Homeowners Insurance

Protect your home from Florida-specific risks like hurricanes, flooding, and high winds. Whether you’re in a suburban neighborhood or a rural part of Gibsonton, we’ll make sure you’re prepared for the unexpected.

Boat & Recreational Insurance

With easy access to Alafia River and Tampa Bay, many Gibsonton residents enjoy boating and water sports. We offer coverage for boats, jet skis, and other recreational vehicles so you can enjoy the water worry-free.

Investment Property Insurance

Gibsonton’s location and growth make it attractive for rental investments. We help landlords protect their income properties from damage, liability, and tenant-related risks.

Auto Insurance

Navigating Gibsonton’s growing traffic—especially along US-301 or I-75—demands reliable car insurance. We’ll help you stay protected on the road with policies that fit your budget and driving habits.

Life Insurance

Planning for your family’s future is easier with our personalized life insurance options—from term policies to whole life coverage, we’ll help ensure your loved ones are protected, no matter what.

Renters Insurance

If you’re renting a home or apartment in Gibsonton, protect your personal belongings with affordable renter’s insurance that covers theft, fire, storm damage, and liability.

Rooted in Gibsonton. Committed to You.

L & M Insurance isn’t just another insurance agency—we’re an active part of the Gibsonton community. Our clients aren’t just policy numbers—they’re neighbors and friends.

We take pride in offering old-school customer service with modern insurance solutions. Whether you prefer to stop by our office, call, or handle everything online, we make insurance easy, accessible, and stress-free.

20+ Years of Service You Can Trust

With over two decades of industry experience, we’ve helped thousands of Florida residents navigate life’s uncertainties with confidence. Our longevity is a testament to our integrity, transparency, and dedication to doing right by our clients.

When you call L & M Insurance, you get a real person—someone who knows Gibsonton, understands Florida regulations, and genuinely cares about helping you make informed choices.

Let’s Secure Your Future—Together

Whether you’re moving to Gibsonton, upgrading your coverage, or just need honest advice, L & M Insurance Group is here for you. We make it easy to get the protection you need—without the hassle.

Call us today at 813-672-4100 or visit our office to get a personalized quote. Experience the difference of working with a local insurance agency that truly puts your needs first.