Insurance With Old-Fashioned, Neighborly Service

Nothing beats friendly, personalized service and insurance designed just for you.

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Lee Reed Insurance

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

When it comes to insurance, you not only deserve the best possible 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.

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The Independent Agency Advantage

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
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Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Insurance Solutions With a Friendly, Local Touch

No matter where you live, what you drive, or what type of business you run, we have the solutions to protect what’s most important to you.

Home Insurance
Auto Insurance
Mobile Home Insurance

Our Clients Count on Us

Our clients love that they can deal face-to-face with Lee Reed Insurance.

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200+ Google Reviews

Real clients. Real reviews. Real coverage.

During the chaos of the pandemic, your team made one of our many challenges simple and easy. We will never forget the calm professionalism – it was much appreciated.

Arthur F.Customer since 2020

The customer service is wonderful. There is so little regard for customer service these days. It is the main reason we have been customers for 15 years.

Customer since 2007

The agents at Lee Reed have always been professional, responsive, and shown a willingness to try to find us the best insurer for our needs. I am a Realtor and they have helped my clients find insurance for their new homes.. For their efforts am eternally grateful.

Gerald N.Customer since 2007

You have been a good, honest well-respected company by everyone I know in the Zephyrhills area for many years. I moved here in 1987 & I have never heard a bad word concerning Lee Reed Insurance.

David C.Customer since 2015
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What Makes Lee Reed Insurance Special

Here’s what sets us apart when it comes to serving your insurance needs.

Neighborly Service

We take an old-fashioned, neighborly approach to insurance, providing services face-to-face with a personal touch.

Clients Come First

We go the extra mile to exceed your expectations with exceptional, friendly customer service, no matter what you need.

Dedicated Team

Our team is committed to serving your needs to the best of our abilities, with personalized solutions and results you can count on.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

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.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

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Zephyrhills, FL

38511 5th Avenue
Zephyrhills, FL 33542

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