L & M Insurance Group Inc.

10/12/2026

Buying a home in Florida or reviewing your homeowners insurance? Don’t Overlook Sinkhole Insurance!

Florida’s sinkhole coverage can be more complicated than many homeowners realize. Not all sinkhole-related damage is covered the same way, and understanding the difference could make a big difference when it matters most.

I’m sharing this helpful guide from Pacific Crest Lakewood Insurance Agency to help Florida homeowners and homebuyers understand their coverage options, know what questions to ask, and make more informed decisions before buying or renewing a policy.

Take a few minutes to read it—you may learn something important about protecting your home! 👇

Did you know that Florida’s standard catastrophic ground cover collapse coverage may not protect you against every type of sinkhole-related damage? Our latest guide from Pacific Crest Lakewood Insurance Agency explains the difference between catastrophic ground cover collapse and sinkhole loss cov...

09/28/2026

In Florida, we know that storm season can bring more than wind.

Heavy rain, storm surge and rising water can all create flood risks — and your homeowners insurance may not cover flood damage.

If you’ve ever wondered whether you need flood insurance or what it actually covers, our Flood Insurance 101 guide is a good place to start.

Read more:

Learn what Florida flood insurance covers, what home insurance excludes, and how NFIP and private options differ before the next storm.

09/08/2026

Labor Day is behind us, summer is winding down, and businesses are getting back into the rhythm of a busy fall.

It’s also a good time to take a fresh look at your business insurance — including workers’ compensation coverage. Are you confident you have the right coverage in place for your employees and your business?

We put together this article to help business owners better understand workers’ compensation insurance and what to consider when choosing coverage.

👉 Read more:

Learn which Florida employers may need workers' compensation insurance, what it can cover, and what affects cost and compliance.

08/31/2026

🏡 Moving to Florida? What You Should Know About Florida Homeowners Insurance
Buying a home in Florida is exciting—but home insurance here can be a little different from what you may be used to in another state.
From roof age and inspections to flood coverage, hurricane deductibles, and rebuilding costs, there are some important questions to ask before you get too close to closing day.
If you're buying a home in Bradenton, Riverview, Lakewood Ranch, or elsewhere in Florida, our new guide walks through what new Florida residents should know and what documents you may want to gather early.
👉 Read our New Resident’s Guide to Florida Home Insurance:

New to Florida? Here’s a practical guide to help you understand what can be different about insuring a Florida home—from flood and hurricane deductibles to roof records, inspections, and more.

08/13/2026

Happy 813 Day! 🌴☀️

Hillsborough County, it’s a great day to celebrate the place we call home!

From helping protect your home and auto to making sure your family has the right coverage, the team at Pacific Crest Lakewood is here to help our Hillsborough neighbors with their insurance needs.

Have questions about your coverage? We’re happy to help!

📍 Proud to serve Hillsborough County
📞 Contact Pacific Crest Lakewood today (813) 672-4100

08/12/2026

🎒📚 Happy Back-to-School Week!

The first week of school is already underway, and we hope everyone is settling into the new school-year routine! Whether you have an elementary schooler, a new teen driver, or a college student heading off on their own, this time of year can bring a few insurance questions.

🚗 New driver in the family?
🏠 Sending a college student away to school?
📱 Wondering whether your coverage needs to change?

We put together some Back-to-School Insurance Tips to help you start the school year with a little more peace of mind. Take a look! 👇

Read our Back-to-School Insurance Tips:
https://pacificcrestlakewood.com/insurance-tips-for-back.../

And as always, if you have questions about your insurance coverage, Pacific Crest Lakewood is here to help!

Heading back to school? Learn how a new teen driver, college student, dorm or off-campus apartment can affect your auto, home and renters insurance.

08/05/2026

🏡 Mortgage paid off? Congratulations! But before you cancel your homeowners insurance, make sure you understand what's at stake.

Even without a lender requiring coverage, your home is still one of your biggest investments. Learn why keeping the right homeowners insurance policy is a smart move for Florida homeowners and how it can continue to protect your property and finances.

Read more here: https://pacificcrestlakewood.com/homeowners-insurance-after-paying-off-mortgage-florida/

Have questions about your current coverage? The team at Pacific Crest Lakewood is here to help you review your options and make sure you're properly protected.

Call us at (813) 672-4100.

07/05/2026

Yesterday, America celebrated 250 years of independence. 🇺🇸

As the fireworks fade, one thing remains the same—our commitment to protecting what matters most.

Whether it's your family, your home, your business, or your future, we're honored to help provide the coverage and peace of mind you deserve.

Here's to the next 250 years of opportunity, resilience, and community.

Happy 250th Birthday, America! ❤️🤍💙

06/21/2026

Happy Father’s Day from Pacific Crest Lakewood!

Today, we celebrate the fathers, grandfathers, and father figures who dedicate themselves to protecting, guiding, and supporting the people they love. Their strength, care, and commitment help create the foundation for safe and secure futures.

At Pacific Crest Lakewood, we understand that protection comes in many forms—from safeguarding what matters most to providing peace of mind for the journey ahead.

Wishing all the dads in our community a wonderful Father’s Day filled with appreciation, family, and the recognition they deserve.

05/25/2026

Today we pause to honor the brave men and women who made the ultimate sacrifice in service to our country. Their courage and dedication will never be forgotten.

Our office is closed today as we take time to remember and reflect. Wishing you and your family a meaningful Memorial Day. 🇺🇸