Sarasota Insurance Agency L & M Insurance

L & M Insurance Group – Your Trusted Sarasota Insurance Partner

Serving Sarasota’s Insurance Needs with Local Knowledge & Personalized Solutions

From the sugar-sand beaches of Siesta Key to the artistic charm of the Ringling Museum district, Sarasota, Florida offers a lifestyle unlike any other. At L & M Insurance Group, we understand that protecting that lifestyle means more than just standard coverage—it means partnering with a local insurance team that knows the community and puts your needs first.

Whether you’re cruising down Tamiami Trail, insuring a home in Lakewood Ranch, or managing investment properties in downtown Sarasota, our team is here to offer tailored insurance solutions backed by decades of experience and friendly, hands-on service.

Customized Insurance Services for Sarasota Residents

Home Insurance

Sarasota’s Gulf Coast location makes it both stunning and vulnerable to certain natural risks. From hurricanes and flooding to theft or fire, we offer custom home insurance coverage that helps protect your home and belongings. Whether you live in a historic bungalow in Gillespie Park or a luxury condo overlooking Sarasota Bay, we’ll find the right policy for you.

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Auto Insurance

From daily commutes on I-75 to weekend drives out to Lido Beach, your vehicle needs to be properly protected. We offer flexible auto insurance plans, including liability, collision, comprehensive, and full-coverage options, all tailored to fit your budget and lifestyle.

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Property Investor Insurance

With Sarasota’s growing real estate market, investment properties are a smart choice—but they come with unique risks. We specialize in insurance for rental homes, condos, and multi-unit properties, helping you protect your income-generating assets against liability, damage, and loss.

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Why Sarasota Chooses L & M Insurance

Local Expertise

From the boutique shops on St. Armands Circle to the art festivals in Burns Court, Sarasota has its own rhythm—and we get it. We live and work in the area, and we understand the coastal weather patterns, building codes, and unique needs of local homeowners and businesses. Our insurance plans reflect the realities of living in a coastal Florida city.

Full Coverage, Fully Explained

We don’t just sell policies—we help you understand them. Whether it’s homeowners, auto, umbrella, flood, or specialty insurance, we’ll walk you through your options so you feel confident about your coverage.

Customer-First, Always

Our commitment to Sarasota residents goes beyond the paperwork. We take pride in being responsive, transparent, and easy to reach. When you work with L & M, you’ll never feel like just another policy number—you’ll feel like part of the family.

The Independent Insurance Advantage

Unlike insurance agents locked into one provider, L & M Insurance Group is proudly independent. That means we can shop across a range of trusted insurance companies to find the best coverage at the most competitive price. You’re not stuck with a one-size-fits-all policy—we’ll tailor your coverage to fit your unique lifestyle and goals.

Whether you’re a first-time homeowner in Sarasota Springs or a seasoned investor with properties across Sarasota County, our independence is your advantage.

Live the Sarasota Life—We’ll Handle the Rest

Life in Sarasota is rich with opportunity—from sun-soaked weekends on Siesta Key to elegant nights at the Sarasota Opera House. We believe your insurance should work as hard as you do, protecting the life you’ve built while you enjoy everything this vibrant city has to offer.

We’re here to make sure that whether you’re enjoying a game at Ed Smith Stadium or catching a show at the Van Wezel, you have peace of mind knowing you’re protected.

Let’s Get You Covered

Ready to discover how L & M Insurance Group can help protect your Sarasota home, vehicle, or investment property? Give us a call at (813) 672-4100 or click below to request a free, no-pressure quote. We’re ready to help you find the coverage that fits your life.