Hurricane season runs through November 30th, and Florida rates are shifting. Let's do a coverage review: we will check your hurricane deductible, flood protection, roof and wind mitigation credits, and whether bundling home and cars saves you money. 36 years protecting Tampa Bay families. Call or text our office.

"A Trusted Good Neighbor with Outstanding Customer Service."

Roy Hooker IV State Farm Agency operates out of the North Tampa region of Florida, and provides excellent insurance to the residents of Land O Lakes, Odessa, and the Lutz area.

Don’t fret if you don’t live in those regions! Roy and his dedicated team can assist the entire state of Florida with auto, home, renters, business, life & health insurance and other policy services.

Roy is a second-generation State Farm Agent who began his insurance career in 1990 as the youngest ever appointed agent at that time. At Roy’s State Farm Lutz, FL office, everyone leaves feeling confident in their coverage, and part of the family.

State Farm has recognized Roy’s agency as a Top 100, Bronze Tablet Winner, Select Agency and Ambassador Travel Qualifier. Roy also takes great pride in his community as a local food bank volunteer, Pasco County Homeless Coalition, and a Chamber of Commerce member. He also donates to Metropolitan Ministries, his local church, homeless ministries, and the Foster Care system.

Roy and his wife Laura are foster parents and have 8 children and 9 grandchildren. In his free time, he loves going for bike rides, hanging out at the beach, boating – with boaters insurance, of course – and spending quality time with the grand kids.

Visit, call, or request an online Personal Price Plan from Roy’s office today to get started!

Frequently Asked Questions (FAQs)

Q: How can I compare auto insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Serving Lutz and the surrounding area, Roy can help answer your questions.

Q: How fast can I get car insurance?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. Have questions? Roy in Lutz can walk you through your options.

Q: What are the insurance requirements on a leased car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Roy works with Lutz residents to find coverage that fits.

Q: How would you explain renters insurance?

A: Renters insurance is a policy designed to help protect your personal belongings and provide liability coverage while you're renting a home or apartment. It focuses on your possessions and potential risks, rather than the building itself, which is typically covered by your landlord's policy. Connect with Roy for insurance guidance in Lutz.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. As long as coverage remains active, it can help give your loved ones financial support when they may need it most. In Lutz, you can count on Roy for personalized service.

Q: What's typically covered by a homeowners insurance policy?

A: Homeowners insurance can help protect your home, your personal belongings, and your finances. It typically includes coverage for the structure of your home, your belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. Roy serves Lutz, FL and is happy to help with your insurance needs.