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We Have the Coverage You Need

Finding insurance coverage for your auto, home, life, and business starts with 4 Lane Insurance.

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Learn About 4 Lane Insurance

At 4 Lane Insurance, we understand that not all insurance policies are created equal. Everyone has different needs to protect against the risks they face. That’s why you need coverage to cover your particular situation—whether that’s for your auto, home, life, or business.

Our independent insurance agency is committed to providing you with outstanding service when it comes to your insurance needs. We take a relationship-based approach by working one-on-one with you to understand your risks and create a plan to fit those needs. Our experienced team of insurance professionals can help you find coverage from one of the top-rated insurance companies at an affordable price. Contact us today to find out how we can cover you.

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Read Our Agency Reviews

We are proud to have over 240 reviews over the years, read some of them to see why our clients continue to recommend us.

Insuring Florida

As a locally-owned business and residents of Florida ourselves, we understand your risks in a unique way that others may not—giving us the advantage of helping you manage those risks through insurance coverage. We are proud to serve clients locally in Sanford, FL, and across Florida.

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Do You Have the Coverage You Need?

4 Lane Insurance offers a variety of personal insurance, business insurance, employee benefits insurance by industry and solutions to help you protect what matters most.

Personal Insurance

Protect what is most important to you with personal insurance solutions.

Employee Benefits

Protect, attract, and retain your team by building an employee benefits package.

Insurance by Industry

We offer insurance by industry tailored to help safeguard your business.




An Independent Agency Gives You Options

We proudly represent Allstate, Progressive, Nationwide, and more!

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Manage Your Policies

Already a client of 4 Lane Insurance? Visit our Service Center to make requests and manage your insurance.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to 4 Lane Insurance.

“Nick is extremely professional in every regard. I now am much more informed on homeowners insurance than before. Plus, I got a big savings for just as good if not better coverage.”

Stephen L.

“Friendly, helpful, and prompt handling of my questions, and easy follow up made me a customer. The coverage was equal or better than my current situation, and the pricing was quite good. Easy to work with.”

Byron T.

“Extremely professional and quick to respond. My whole experience took less than an hour to accomplish and I received a much lower premium. Thank you for being there for me.”

Angie S.

Let’s Get Started

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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