Lori Kennedy State Farm | Trusted Insurance in Sebring, FL

Lori Kennedy – State Farm Insurance Agent is a trusted full-service insurance and financial services provider located in Sebring, Florida. With 16 years of dedicated service to the local community and 23 years of industry experience, Lori leads a professional team committed to helping families and businesses protect their assets with reliable, value-priced coverage. As a second-generation State Farm agent, she brings deep expertise and a personal touch to every client relationship. The agency is licensed in Florida under license number FL-E089829, and all team members are Florida-licensed insurance professionals.

📋 What Insurance Services Are Offered?

Lori Kennedy’s agency provides a comprehensive range of personal and commercial insurance solutions, making it a one-stop shop for all your protection needs. Whether you’re an individual, a growing family, or a small business owner, you’ll find tailored coverage options here.

• Auto Insurance: Coverage for cars, trucks, motorcycles, mopeds, scooters, and off-road vehicles.
• Home Insurance: Homeowners, renters, condo, and flood insurance, including the exclusive Ting electrical fire prevention program for eligible homeowners.
• Life Insurance: Term life, whole life, universal life, and guaranteed issue final expense life insurance.
• Health Insurance: Individual health, Medicare supplement, and supplemental health plans.
• Recreational Vehicle Coverage: Insurance for RVs, boats, and other recreational vehicles.
• Commercial Insurance: Business owner policies, commercial auto, workers’ compensation, and business health insurance.
• Financial Services: Checking accounts, savings, CDs, retirement CDs, credit cards, and personal/business loans via U.S. Bank.

Each policy is customized to your unique needs, with free consultations available to help you make informed decisions.

🌟 Why Choose Lori Kennedy State Farm in Sebring?

What sets this agency apart is its commitment to personalized service, long-term client relationships, and proactive risk management. Lori Kennedy encourages annual policy reviews to ensure your coverage evolves with your life. Her team is known for responsive claims assistance, clear communication, and helping clients take advantage of available discounts—like the free Ting home electrical safety program.

With a 4.1/5 average rating from 56 Google reviews, clients consistently praise the team’s knowledge, professionalism, and dedication. As a captive agent for State Farm—the largest auto insurer in the U.S. by direct written premiums—Lori provides access to a trusted national carrier while delivering local, hands-on support.

🤝 Which Insurance Carriers Do They Work With?

Lori Kennedy represents State Farm for all insurance products, including auto, home, life, health, and commercial coverage. Life insurance and annuities are issued by State Farm Life Insurance Company or State Farm Life and Accident Assurance Company. Banking and credit services are provided through U.S. Bank, a member of the FDIC. This partnership allows clients to manage both insurance and financial products in one place.

📍 Service Area: Where Do They Provide Coverage?

The agency is licensed to serve clients throughout Florida, with a primary focus on Sebring and surrounding areas. If you live in Highlands County or nearby communities, you can access in-person, phone, or online service for quotes, claims, and policy management.

📞 How Can I Get a Free Quote?

Getting a free quote is fast and easy. You can:

• Visit the official website at sfsebring.com to get an online quote
• Call 863-385-2505 to speak with a licensed agent
• Visit the office at 223 US Hwy 27 N, Sebring, FL 33870, located in the Village Fountain Plaza next to the Sebring Chamber of Commerce and Welcome Center
• Schedule an appointment for evenings or Saturdays if needed

Whether you’re shopping for auto, home, or business insurance, a free consultation helps you compare options and find the right coverage.

🛠️ How Does the Claims Process Work?

Filing a claim is simple and supported every step of the way. Clients can file online via the State Farm website or mobile app, call the agency directly, or visit in person. The team provides guidance throughout the process, helping ensure timely resolution and minimal stress. With 24/7 access to State Farm’s claims network and local support from Lori’s office, you’re never alone when you need assistance.

👥 Meet the Team: Experienced Florida-Licensed Agents

The agency is led by Lori Kennedy, a second-generation State Farm agent with a B.S.N. from Florida State University and an M.S.N. from the University of Florida. She has 23 years of industry experience and has served Sebring for 16 years. She is supported by Tiffanie Quiller and Nicole Rajcok, both Florida-licensed professionals. This experienced team is dedicated to providing knowledgeable, compassionate service to every client.

⭐ What Do Clients Say About Lori Kennedy State Farm?

With a 4.1/5 rating from 56 Google reviews, clients frequently highlight the agency’s personalized service, efficient claims handling, and knowledgeable staff. Many mention feeling confident in their coverage and appreciate the annual policy reviews that help them stay protected. One reviewer noted, “They treat you like family and always go the extra mile.” The team’s affiliation with the Sebring Chamber of Commerce further reflects their commitment to the local community.

❓ Frequently Asked Questions

Do they offer free insurance consultations in Sebring?

Yes, free consultations are available. You can schedule an appointment by phone or online to discuss your insurance and financial goals with a licensed agent.

Can I manage my policy online?

Absolutely. Clients can get quotes, pay bills, file claims, and request ID cards through the State Farm website or mobile app—24/7 access for your convenience.

Are evening or Saturday appointments available?

Yes, appointments are recommended for evenings and Saturdays. The office is open Monday through Friday from 9:00 AM to 5:00 PM, with a lunch closure on Wednesday. Saturday service is by appointment only.

What discounts are available for homeowners?

Eligible homeowners can participate in the Ting program, which offers free electrical fire prevention monitoring—a valuable safety benefit at no extra cost.

Is this a local, independent agency?

Lori Kennedy is a captive agent representing only State Farm, but she provides local, personalized service with deep community ties. While not independent, the agency offers access to a top-rated national carrier with strong financial stability and local support.

Editorial review: April 22, 2026 — Sources: statefarm.com, sfsebring.com, facebook.com, yelp.com, mapquest.com. If you notice any inaccurate data, please report it.