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Hometown Service since 1946

Lee Reed Insurance is dedicated to old-fashioned, neighborly customer service.

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Learn About Lee Reed Insurance

When it comes to insurance, you not only deserve proper coverage, but also personalized, friendly service with a local touch. As a trusted independent agency serving Central Florida since 1946, we have held strong to the tradition of providing old-fashioned, neighborly customer service; while the world has changed, our commitment to our clients and community hasn’t.

Our top priority is to meet and exceed your expectations at every level to ensure you have the best coverage for your needs. As an independent agency, we work with the finest insurance companies to offer a wide variety of solutions to protect the important things in your life.

Whether you contact us online, over the phone, or stop by the office, you’ll always receive personalized service with a local touch and develop long-term relationships with our staff who understand and care for your needs.

Why Go Independent?Learn About Us

Proud Members

We are your friendly, hometown agency in Zephyrhills, FL serving Central Florida, including Dade City, FL, and Wesley Chapel, FL.

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.

Personal Insurance

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Insurance by Industry

Auto
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.

Solution

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.

Solution

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.

Solution

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.

Solution

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.

Solution

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.

Solution

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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Our Clients Rave About Us

Check out our reviews and see why you should switch to Lee Reed Insurance.

“I have had Lee Reed Insurance for over 20 years. They have always been wonderful to deal with. Never any problems that they couldn’t solve!!!”

Carol D.

“I LOVE LEE REED INSURANCE COMPANY!! Thank you for all you do! The office staff are so willing to help you to get what you need. You’ll be as amazed as I was to see the end result of your policy!!”

Linda A.

“Wonderful to deal with. Very helpful as this was a new experience for us. Rates were excellent and we were able to obtain coverage that we couldn’t find anywhere else. We would highly recommend Lee Reed Insurance.”

Glenda R.

Manage Your Policies

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

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  2. Step 2Review your options with us.
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