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Lamb Insurance Agency LLC Florida Auto, Home, Life & Business Insurance | Simple. Personal. Trusted.

🏡🚗 Home and auto insurance: Is keeping them together actually worth it?You’ve probably heard that bundling your home and...
10/19/2026

🏡🚗 Home and auto insurance: Is keeping them together actually worth it?

You’ve probably heard that bundling your home and auto insurance can save you money. But what does that really mean?

Bundling simply means having both policies with the same insurance company, which may qualify you for a multi-policy discount.

But saving money isn't the only potential benefit.

💰 Potential savings. Some insurance companies offer discounts when you combine policies.

📞 One point of contact. Instead of juggling different agents, you have someone who understands your home and auto coverage.

🔍 A clearer picture of your protection. Reviewing both policies together can help identify coverage gaps, outdated information, or opportunities to improve your protection.

🏡 Less hassle. When life changes, whether you're buying a new car, moving, or renovating your home, it's easier to review everything together.

Here's something many Florida homeowners don't realize:

Bundling isn't always the cheapest option.

Sometimes keeping your home and auto insurance with different companies actually makes more financial sense.

At Lamb Insurance Agency, we can compare your options and help you find the combination that makes sense for your coverage needs and budget.

📩 Already have home and auto insurance? Send us a message. We'll review your options and see whether bundling could benefit you.

📍 Proudly serving Sarasota and surrounding Florida communities.

10/16/2026

🌮🎃 15 DAYS UNTIL TRICK OR TACO!

October 31 is getting closer, and we've got one goal: bring as many of our Sarasota neighbors together as possible for some good food, Halloween fun, and a chance to connect!

We're serving up FREE birria tacos, candy for the kids, and treats for our four-legged friends! 🐾

📅 Saturday, October 31
⏰ 11:30 AM – 2:30 PM
📍 Lamb Insurance Agency – Sarasota, FL

Costumes are welcome, and everyone's invited!

Help us spread the word! Tag a friend or neighbor you'd love to bring, and hit "Going" on our Facebook event so we know you're coming.

Can't wait to see everyone!

Florida Hurricane Deductibles: What Sarasota Homeowners Should KnowHurricane season in Florida runs through November 30,...
10/14/2026

Florida Hurricane Deductibles: What Sarasota Homeowners Should Know

Hurricane season in Florida runs through November 30, making this a good time for Sarasota homeowners to review their homeowners insurance coverage.

Many Florida homeowners insurance policies include a separate hurricane deductible, often calculated as a percentage of the insured dwelling coverage rather than a fixed dollar amount.

For example, if your home is insured for $400,000:

• A 2% hurricane deductible is $8,000.
• A 5% hurricane deductible is $20,000.

Understanding your deductible can help you avoid unexpected out-of-pocket expenses if a hurricane damages your home.

Not sure what your hurricane deductible is? Check your insurance declarations page or contact Lamb Insurance Agency in Sarasota, FL. We'll help you understand your coverage.

Read our guide to Florida hurricane deductibles:
https://lambinsuranceagency.com/insights/florida-hurricane-deductible

Lamb Insurance Agency | Sarasota, Florida

*Coverage and deductibles vary by policy.*

10/12/2026

Tacos & Quotes is back with a spooky twist, and it’s called Trick or Taco. 👻

Check the video from last time, then come see how we top it. 🌮👀

📅 Saturday, Oct 31
⏰ 11:30am to 2:30pm
📍 5893 Whitfield Ave, Sarasota

🍬 Free candy for the kiddos
🌮 Free tacos for the grown-ups (Chef Cody is cooking, so it’s nacho average lunch)
🐶 Treats for the doggos, because this is a paw-ty too

Tap “Going” on the event so I know how many tacos to make. Walk-ups welcome too.

10/09/2026

Your kids get candy 🍬 You get tacos 🌮

That’s the deal at Trick or Taco 🎃 on Saturday, October 31 from 11:30 AM to 2:30
PM. 5893 Whitfield Ave Sarasota FL 34243

🌮 Free tacos for the grown-ups
🍬 Candy for the kids
🐶 Treats for the pups (courtesy of Wiggle Your Tail Pet Care)
👻 Costumes welcome

It’s a relaxed afternoon to meet your neighbors before evening trick-or-treating starts. If you know you’re coming, tap “Going” on the event so we make enough food!

Isaias is headed for the northern Gulf Coast, not Sarasota. We could still see heavy downpours, rough surf and rip curre...
10/07/2026

Isaias is headed for the northern Gulf Coast, not Sarasota. We could still see heavy downpours, rough surf and rip currents this weekend, and it's a good reminder that hurricane season isn't over yet.

Something worth knowing: in Florida, your hurricane deductible can apply once a hurricane warning is issued for any part of the state. The storm doesn't have to hit Sarasota for it to apply to damage at your home.

I put together a printable hurricane checklist for Sarasota homeowners. It covers what to check on your policy, what goes in your supply kit, how to find your evacuation level, and what to do if your home is damaged. Every item comes from Florida state agencies, Sarasota County or federal safety agencies.

Print it, stick it on the fridge, and work through it a little at a time:
lambinsuranceagency.com/insights/hurricane-preparedness-checklist

Questions about your coverage? Call us at (941) 225-2335.

Florida condo owners are seeing more special assessments as buildings deal with stricter Florida condo inspection requir...
10/06/2026

Florida condo owners are seeing more special assessments as buildings deal with stricter Florida condo inspection requirements and reserve requirements.

When a condo association needs major repairs and does not have enough money in reserves, it can issue a special assessment, which is then divided among the unit owners.

Your HO-6 condo insurance in Florida includes loss assessment coverage, but this does not mean every special assessment is covered. Coverage generally applies only when the assessment comes from a covered loss, such as certain storm, fire, or other insured property damage.

It usually does not cover assessments caused simply by deferred maintenance, structural repairs, or the association needing to build up reserves.

If you own a condo in Florida, check two things:

1. What is my loss assessment coverage limit?
2. What types of condo special assessments does my policy actually cover?

Florida requires at least $2,000 in property loss assessment coverage, but your actual exposure could be much higher depending on the building and the assessment.

If you own a condo in Sarasota or anywhere in Florida and want a second set of eyes on your Florida condo insurance, message me anytime.

Trick or Taco is 27 days away, and we’re already planning the menu. 🌮🎃Join us Saturday, October 31 from 11:30 AM–2:30 PM...
10/04/2026

Trick or Taco is 27 days away, and we’re already planning the menu. 🌮🎃

Join us Saturday, October 31 from 11:30 AM–2:30 PM for:
- Free birria tacos
- Candy for the kids
- Treats for the doggos
- Costumes encouraged
- A chance to stop by, meet the team, and enjoy the afternoon

“I don’t know where my declarations page is.” I hear this all the time.This is the one page that tells you exactly what ...
10/03/2026

“I don’t know where my declarations page is.”

I hear this all the time.

This is the one page that tells you exactly what your auto policy covers, what your limits are, and where your protection stops.

Past that limit, the rest has your name on it. Your paycheck. Your savings. Maybe your house.

You didn't buy insurance to feel covered. You bought it to be covered. This page is where you find out which one you have.

Don't sleep on it. Take two minutes this week and find yours. My door's open if you want a second set of eyes.

🎃🌮 Trick or Taco is coming to Lamb Insurance Agency!Join us Saturday, Oct. 31 for a fun neighborhood Halloween event wit...
10/01/2026

🎃🌮 Trick or Taco is coming to Lamb Insurance Agency!

Join us Saturday, Oct. 31 for a fun neighborhood Halloween event with:

🌮 Free tacos
🍬 Candy
🐶 Dog treats
🎃 Costumes welcome

Bring the kids, bring your furry one 🐶 , and come hang out with us.

📍 5893 Whitfield Ave, Sarasota, FL
🕒 11:30 AM–2:30 PM

Come by, grab a taco, meet our team, and enjoy a little Halloween fun!

Address

5893 Whitfield Avenue
Sarasota, FL
34243

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19412252335

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