Insurance Agency in Lutz, Florida
Serving Lutz County & the Florida area Since Our Founding
Your Local Independent Insurance Agency
One Source Advisory is an independent insurance agency located at 203 Crystal Grove Boulevard in Lutz, Florida 33548. Since our founding, we have been proudly serving individuals, families, and businesses throughout Lutz County and the greater the Florida area region.
Why Choose a Local Agent?
As your neighbors in Lutz, we understand the insurance needs of our community. Whether you're looking for auto insurance to protect your daily commute, homeowners insurance for your property, business insurance for your local operation, or life and health coverage for your family's future — our experienced team of licensed agents is here to help you find the right policy at the right price.
Auto Insurance in Lutz, FL
Whether you're commuting on local roads or across Florida, we'll find you the best auto insurance rates from 35+ carriers. Coverage includes liability, collision, comprehensive, uninsured motorist, and more.
Home Insurance in Lutz, FL
Protect your Lutz home, condo, or rental property with comprehensive homeowners insurance. We shop multiple carriers to find you the best combination of coverage and price for properties throughout Lutz County.
Umbrella Insurance in Lutz, FL
Comprehensive umbrella insurance coverage from 35+ carriers. Contact our Lutz office for a personalized quote.
Business Insurance in Lutz, FL
From Main Street shops in Lutz to commercial operations in Lakeland and Coral Springs, we provide general liability, commercial property, workers' compensation, commercial auto, and specialty business coverage.
Contractors Insurance in Lutz, FL
Comprehensive contractors insurance coverage from 35+ carriers. Contact our Lutz office for a personalized quote.
Cyber Liability in Lutz, FL
Comprehensive cyber liability coverage from 35+ carriers. Contact our Lutz office for a personalized quote.
Workers' Compensation in Lutz, FL
Comprehensive workers' compensation coverage from 35+ carriers. Contact our Lutz office for a personalized quote.
Group Benefits in Lutz, FL
Comprehensive group benefits coverage from 35+ carriers. Contact our Lutz office for a personalized quote.
Areas We Serve
While our office is located in Lutz, we proudly serve clients throughout Florida and are licensed in 7 states. Local communities we serve include Lutz, Lakeland, Coral Springs and surrounding areas in Lutz County.
We are also licensed to write insurance in Alabama, Alaska, Arizona, Arkansas, California, Connecticut.
Why Choose One Source?
We're not a call center — we're your neighbors. When you work with One Source, you get a dedicated local agent who knows your name, understands your needs, and will review your policies annually to make sure you're getting the best deal. We represent 35+ top-rated insurance companies, which means we do the shopping so you don't have to.
Frequently Asked Questions
Auto insurance typically covers liability (bodily injury and property damage to others), collision (damage to your vehicle from accidents), comprehensive (damage from theft, weather, animals), uninsured/underinsured motorist coverage, and medical payments. As an independent agency, we compare policies from multiple carriers to find the right combination of coverages for your needs.
Florida requires minimum liability coverage of 10/20/10 plus PIP — that's $10,000 per person for bodily injury, $20,000 per accident, $10,000 for property damage, plus personal injury protection. However, we typically recommend higher limits to better protect your assets. Your agent can help determine the right coverage level for your situation.
Key factors include your driving record, age, vehicle type, annual mileage, credit history, coverage levels, and where you live. Because we represent 35++ carriers, we can compare rates across companies to find you the most competitive price for your specific profile.
Common ways to reduce your premium include bundling auto and home insurance, maintaining a clean driving record, increasing your deductible, asking about available discounts (good student, safe driver, multi-car), and reviewing your coverage annually with your agent to ensure you're not over-insured.
Standard homeowners insurance covers your dwelling (the structure), personal property (belongings), liability (if someone is injured on your property), and additional living expenses (if your home is uninhabitable). Flood and earthquake coverage typically require separate policies.
Your coverage should be enough to rebuild your home at current construction costs — not the purchase price or market value. Your agent will calculate replacement cost based on your home's size, construction type, and local building costs.
Replacement cost pays to repair or replace damaged property at current prices. Actual cash value deducts depreciation, paying you what the item is worth today, which is often significantly less. We generally recommend replacement cost coverage for both your home and personal property.
Term life provides coverage for a set period (10, 20, or 30 years) and is generally the most affordable option. Whole life provides permanent coverage with a cash value component that grows over time. Your agent can help determine which type best fits your family's needs and budget.
A common guideline is 10 to 12 times your annual income, but the right amount depends on your debts, dependents, future expenses like college tuition, and your family's ongoing income needs. Your agent can walk you through a needs analysis to determine the appropriate coverage amount.
The annual Open Enrollment Period for ACA marketplace plans typically runs from November 1 to January 15. Outside of open enrollment, you can enroll if you experience a qualifying life event such as marriage, birth of a child, or loss of other coverage. Medicare enrollment has its own timeline.
An HMO (Health Maintenance Organization) generally requires you to use in-network providers and get referrals to see specialists. A PPO (Preferred Provider Organization) offers more flexibility to see out-of-network providers, typically at a higher cost. Your agent can help compare plans from carriers in your area.
Most businesses need general liability, commercial property, and workers' compensation at minimum. Depending on your industry, you may also need professional liability, commercial auto, cyber liability, or industry-specific coverage. Your agent will assess your business risks and recommend appropriate coverage.
A BOP bundles general liability and commercial property coverage into a single policy, often at a lower premium than purchasing them separately. It's designed for small to mid-sized businesses and can be customized with additional endorsements for your specific needs.
Costs vary widely based on your industry, business size, revenue, number of employees, location, and coverage levels. A small retail shop might pay $500 to $2,000 per year for basic coverage, while a contractor could pay significantly more. We compare quotes from multiple carriers to find competitive rates.