. A top-down drone shot of a single hip-roof home in a Land O' Lakes subdivision, with the four sloped roof planes lined up in the frame. Soft morning light, crisp shingle texture, and a calm, orderly mood. It points straight at the roof-geometry discount.

Why Land O' Lakes Home Insurance Costs Vary So Much Street to Street

October 05, 2026
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Annie O'Sullivan

Annie O'Sullivan

Annie O'Sullivan is a Tampa Bay REALTOR® with Jimmy B & Annie O | LPT Realty. Since 2011, she's closed 1,000+ transactions and $330M+ in sales across Land O' Lakes, Lutz, Wesley Chapel, Odessa, and New Port Richey. She writes about the parts of buying and selling that don't fit on a listing flyer: insurance, disclosures, closing costs, and timing.

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