Valrico Insurance Agency L & M Insurance

Valrico Insurance Solutions from L & M Insurance Group

Your Local Insurance Experts in Valrico, Florida

When it comes to protecting what matters most—your home, your vehicle, your business, and your family—working with a local insurance agent can make all the difference. At L & M Insurance Group, we’re proud to serve Valrico residents with trusted advice, competitive quotes, and the kind of personalized service only a neighbor can offer.

We live and work right here in eastern Hillsborough County, so we understand the unique insurance needs of Valrico homeowners and businesses. From the peaceful neighborhoods near Lithia Pinecrest Road to the vibrant activity along State Road 60, we’re here to help you navigate your insurance options with clarity and confidence.

Auto Insurance in Valrico, FL

If you’re hitting the road in Valrico—whether you’re commuting into Tampa, driving your kids to school, or heading out to Alafia River State Park—car insurance isn’t just required, it’s essential. At L & M Insurance, we help Valrico drivers get the right coverage for their cars, motorcycles, trucks, and even commercial vehicles.

We’ll walk you through everything from liability and collision to uninsured motorist and comprehensive coverage, so you can feel confident you’re protected no matter what the road throws your way.

Call us at 813-672-4100 for a free, no-obligation auto insurance quote tailored for Valrico drivers.

Homeowners Insurance for Valrico Residents

Your home is likely your biggest investment—and living in Florida brings specific challenges like hurricanes, floods, and high humidity. Whether you own a single-family home in Bloomingdale or a townhome in River Hills, our local agents understand what it takes to protect your property.

We’ll help you choose the right amount of homeowners coverage and guide you through options that are important in Valrico, such as flood insurance, hurricane deductibles, and personal property protection. We also make sure your coverage meets any mortgage requirements, so there are no surprises at closing.

Get your personalized homeowners insurance quote today by calling 813-672-4100.

Valrico Life Insurance Plans

Life insurance is one of the most thoughtful and practical ways to take care of your loved ones. Whether you’re just starting a family or planning for the future, L & M Insurance Group offers life insurance options that provide peace of mind.

We serve individuals and families throughout Valrico with term life, whole life, and universal life insurance options. If you’re a business owner in Valrico, ask us how life insurance can be used in buy-sell agreements or to cover outstanding business debts.

We’ll help you build a policy that reflects your financial goals and protects the people who matter most.

Commercial Insurance for Valrico Businesses

Valrico is home to a wide range of small businesses—from local restaurants and contractors to retailers and service providers. At L & M Insurance Group, we’re proud to support our local economy by offering customized commercial insurance solutions that protect your business and help it grow.

We provide coverage for:

General Liability Insurance
Commercial Auto Insurance
Commercial Property Insurance
Business Equipment Insurance
Workers’ Compensation

Why Choose L & M Insurance Group in Valrico?

Local Knowledge: We understand Valrico’s neighborhoods, flood zones, and business landscape.
Independent Advantage: We shop multiple top-rated insurance carriers to find the best rates and coverage for your unique needs.
Unmatched Service: We take the time to explain your options and are here when you need us—no call centers, no hassle.
Full Coverage for Life in Valrico: Whether you’re insuring a home, a car, a business, or your family’s future, we’re here to help every step of the way.

Get Started Today

Let L & M Insurance Group be your partner in protection. Call 813-672-4100 today or click below to request your custom quote. We’ll make the process easy, straightforward, and personalized for life in Valrico, Florida.