PHONE: (813) 782-5502 
TOLL FREE: (877) 205-2824

EMAIL: [email protected] 

Located in historic
Downtown Zephyrhills

Lee Reed Insurance



2020 RV Industry Stats and Policy Overview

Don't be fooled by the dry title! This guide is full of interesting facts, laws, editorials, and graphics that make it your source for keeping yourself informed as an RV owner in 2020.

"We are the national trade association representing the diverse manufacturing businesses which build more than 98 percent of all RVs produced in the U.S.—including motorhomes, travel trailers, fifth wheel travel trailers, folding camping trailers, park model RVs and truck campers. We are the unifying force for safety and professionalism within the RV industry. We work with federal and state policy makers to promote and protect the RV industry and our

Article from RV Industry Association

How Long Will Your Florida Home's Roof Last?

Florida weather presents special challenges to manufacturers and installers of roofing materials.

A high proportion of sunny days and location not far from the tropics mean that roofs are exposed to high heat and intense exposure to ultraviolet rays nearly year-round. Coastal locations expose roofs to salt spray, and tropical storms and hurricanes may subject them to extremely high winds. All of these can either gradually degrade the roofing materials or catastrophically damage not only the covering but the very structure of the roof itself.
Article from BRC Roofing & Construction, Inc.

How Do I Protect Myself from Cyber Attacks?

The National Cybersecurity and Communications Integration Center’s (NCCIC) mission is to reduce the risk of systemic cybersecurity and communications challenges.

The following preventative strategies are intended to help our public and private partners proactively look for emails attempting to deceive users into "clicking the link" or opening attachments to seemingly real websites...
Article from the Department of Homeland Security

Facts + Statistics: Uninsured motorists

Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured or hit-and-run driver. 

Twenty states and the District of Columbia have mandatory requirements for uninsured or underinsured motorist coverage. More than half of the states have passed laws and begun to develop and implement online auto insurance verification systems to identify uninsured motorists.
Article from Insurance Information Institute

Understanding the insurance claims payment process

How are you paid? Who gets the check? Do you need to replace items immediately? Learn here.

After a disaster, you want to get back to normal as soon as possible. Your insurance company wants that, too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.​
Article from Insurance Information Institute

Auto insurance basics—understanding your coverage

The basic personal auto insurance mandated by most U.S. states provides some financial protection if you or another driver using your car causes an accident that damages 

someone else’s car or property, injures someone or both. 
But to make the best decisions about purchasing other types of auto insurance coverage you might need, you’ll want to understand what’s covered, what’s not covered and what’s optional. In addition to understanding types of coverage, you’ll also want to consider coverage amounts.

Article from Insurance Information Institute

Preparing for the 2019 Hurricane Season

Article from Florida Division of Emergency Mgmt.

Living in Florida offers many benefits and advantages, but be sure to thoroughly prepare for the 2019 Atlantic Hurricane Season starting June 1.

After assessing damages done from hurricanes in the past few years, Floridians are encouraged to have at least 7 days of supplies. These supplies include food, water, medicine, batteries, etc. Each family and business is advised to be adequately stocked and prepared to face this hurricane season.

Settling insurance claims after a disaster

What you need to know about:

How to file a claim
How the claim process works
What's covered and what's not

Article from Insurance Information Institute

All About Assignment of Benefits (AOB)

Have you heard the term Assignment of Benefits? Do you know how it impacts you? An AOB is an agreement that, once signed, transfers the insurance claims rights or benefits of your insurance policy to a third party.

An AOB gives the third party authority to file a claim, make repair decisions and collect insurance payments without your involvement.
Review the resources below to better understand how transferring your insurance claims rights can impact you and your family.

Article from Jimmy Patronis,
FL's Chief Financial Officer


Ridesharing and Insurance Q&A

Q: What is ride-sharing and why is it getting so much attention from insurance companies?

A: Ride-sharing companies provide taxi-like services by connecting passengers to drivers via a smart phone app. Rides can be arranged in advance or on short notice.​ They contract with drivers who use their personal vehicles to transport passengers. Therefore, many of the drivers who work for TNCs do not have a livery driver’s license, and their cars are neither registered nor insured as commercial vehicles...
Article from the Insurance Information Institute

Protect Yourself Against Uninsured Motorists

Don't risk financial losses because someone else isn’t covered

Despite the legal requirements in 49 states, many drivers in the U.S. remain uninsured. Don't risk your financial health—make sure you're insured, and learn how to protect yourself in the event of an accident with an uninsured motorist.​
Article from the Insurance Information Institute

What determines the price of an auto insurance policy?

Many factors help determine the cost of car insurance

The amount you'll pay for car insurance is impacted by a number of very different factors—from the type of coverage you have to your driving record to where you park your car.

While not all companies use the same parameters, here's a list of what commonly determines the bottom line on your auto policy.​..
Article from the Insurance Information Institute

Understanding the insurance claims payment process

How are you paid? Who gets the check? Do you need to replace items immediately? Learn here.

After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! 
You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here's what you need to know about claims payments.​..​​
Article from the Insurance Information Institute

What Drives up the Cost of Car Insurance?

Your rate can be determined by where and how you live and who you are

Think fuel is your top driving expense? Surprise: Based on current averages, you spend more on insurance in a year than on gas (assuming 10,000 annual miles).
You can’t influence gas prices, but you sure can affect your insurance rate. Insurers use a mountain of data to determine a rate that reflects the risk you pose. ​
Article from the AARP by Warren Clarke

Driverless Vehicle Makers Reach Feared Crossroad with Uber Fatality

Last week, Waymo showed a video of people riding in its self-driving minivans. They thumbed their phones, yawned and one snoozed.

The message: Driverless cars are so safe, they’re boring. The clip was meant to drum up support for a fully driverless taxi service it plans in Phoenix later this year.
Now, a tragedy may slow the Alphabet Inc. unit’s efforts, and the broader industry march toward commercialization of this technology.​​​
Article from the Insurance Journal by Polly Mosendz, Mark Bergen and Dana Hull

4 Common Myths About Insurance 

You study safety and performance ratings before buying a car. You have your prospective home professionally inspected from basement to roof. You read labels and select the best foods for your family’s table. Why should insurance purchases be any different?

Yet even the most conscientious consumer may balk at the complexity of this purchase and just take a shot in the dark, by going with a company whose name sounds familiar. Shine some light on the subject as you search for the best insurance for your needs by examining these myths about insurance.

Article from the Cincinatti Insurance Companies

Social host liability means party not too hearty

It’s holiday party time, and if you are the party host, your responsibility extends beyond figuring out what appetizers to serve with the wine and beer.

There is something called “social host liability,” which means at a party where alcohol is served, the hosts are responsible for making sure guests can safely drive home.
There are different legal obligations in each state. In Florida, hosts are generally not responsible for their guests’ behavior. However, if alcoholic beverages are provided to anyone under age 21, and the underage person becomes intoxicated and injures a third party, the host may be partially responsible.

Article from Insuring Florida

Autonomy Getting Closer: Consumers Learning to Trust New Auto Safety Features

Car shoppers are more ready for autonomous vehicles than they may realize.

More than 60 percent of new vehicle models today can be purchased with some level or autonomous features, the report, Transportation Transformation, shows.

Whereas today more than 60 percent of new vehicle models can be equipped with what are called Level 1 or Level 2 autonomy, as defined by the Society of Automotive Engineers, less than a quarter of new vehicle models offered these features just five years ago.

Article from the Insurance Journal

Do I need flood insurance for my home?

Standard homeowners and renters insurance does not cover flood damage. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program--NFIP--and from a few private insurers.

The NFIP provides coverage for up to $250,000 for the structure of the home and $100,000 for personal possessions. You will need flood insurance if you live in a designated flood zone. But flooding can also occur in inland areas and away from major rivers.
Article from the Insurance Information Institute

Longevity, love and life insurance

“I hope the Lord gives us longevity,” said my father as we talked about family, his aches and aging. Dad was already in his early 80s at the time, so that comment struck me in a very profound way.

I had two thoughts: First, my dad does not think he is old yet, and that no matter how much time we have on earth, it may not be enough. Thankfully, longevity is a gift to me from both dad and mom, who are in their late 80s now. I am grateful for that plus other revelations, not the least of which is to know that to enjoy this day includes planning for tomorrow. Pops delivered that lesson to me as a teenager. He made me buy a life insurance policy.
Article from Insuring Florida


Assignment of benefits, which can lead to costly court battles, is driving up rates for thousands of homeowners across Florida, and drivers are starting to feel the pinch too.

Florida's badly broken system for filing and settling insurance claims, which is wreaking havoc in the property insurance market, is creeping into auto policies with Tampa Bay at ground zero. Assignment of benefits, which can lead to costly court battles, is driving up rates for thousands of homeowners across Florida, and drivers are starting to feel the pinch too. Lawmakers have done nothing about this mess, so it's up to consumers to be on guard and know what they're signing.
Article from the Tampa Bay Times

Buying Life Insurance

Just the facts on life insurance.

When buying insurance, you can be overwhelmed by an information avalanche. To protect your future from poor choices today, organize your insurance search by reaching back to grade school and employing the use of the 5 W's:

Who? What? Where? When? Why? and How much?
Article from Bankrate

Where the damage is in water-damage claims

What happens when you let a third party handle your insurance claim? The answer, in a symbol, is $.

Insurers have been sounding alarms about assignment of benefits for a couple of years now, and the issue is ever more in the spotlight. A recent editorial suggests it is time to bring water damage abuse under control. 
Article from Insuring Florida

Eight of top 10 most dangerous metros for pedestrians are in Florida

# 7 is Tampa/St. Petersburg /Clearwater

Walking is definitely good for your health. But it may be dangerous to your life in busy cities, particularly in Florida. A study by Smart Growth America ranked eight Florida metros in the top 10 after analyzing pedestrian deaths over a 10-year period. 
    The group created a Pedestrian Danger Index to compare pedestrian safety in cities of different size, density, and rates of walking. So, it’s not only a factor of big cities with more cars and more walking. The study contends it is also due to “poor pedestrian infrastructure,” meaning roads are designed to move cars along with little thought to people traveling on foot.

Article from Insuring Florida

How named storms matter to property insurance

Late summer is the peak time for hurricane season. And as if on cue, there’s a few storms brewing out in the Atlantic. It’s too early to tell if they will impact Florida, but it is not too early to prepare as if they are.

Review our hurricane season insurance checklist. First on the list is probably the most important: Make certain to have enough coverage to completely rebuild your home in the event it is severely damaged or destroyed. This means sufficient insurance protection to rebuild your home and replace all its contents. Don’t confuse the real estate value of your home with its insurance cost.

Article from Insuring Florida

Get schooled on dog bite liability

Your pets may have pet insurance to keep them healthy. But when it comes to liability for their misdeeds, the financial impact will bite into your wallet.

Every May is Dog Bite Prevention Week, and the American Veterinary Medical Association reminds us that even nice dogs can bite. Dog bites (and other dog-related injuries) accounted for more than one-third of all homeowners insurance liability claim dollars paid out in 2015, costing in excess of $570 million, according to data from the Insurance Information Institute (I.I.I.) and State Farm®, the largest writer of homeowners insurance in the United States.

Article from Insuring Florida

Got a fire alarm? Put it to the test

When was the last time you tested your home’s fire alarm? If you can’t remember, then it’s time to do it. Put your fire alarms to the test today. Please?

Fire Prevention is one of those things you really need to take action on. It’s great if you have fire alarms in your home, but it’s not great if they are inoperable. As the National Fire Protection Association (NFPA) says, “Working fire alarms save lives."
The NFPA has a fire prevention quiz that is enlightening. Okay, I’m giving you the answers to the quiz, but this is a test worthy of a cheat sheet. Did you know that if a smoke alarm fails, it’s likely because of dead batteries or because batteries were not properly installed?

Article from Insuring Florida

Why Cheaper Gas Causes an Increase In Traffic Fatalities


Drivers everywhere continue to enjoy the benefits of low gas prices, and what are they doing to celebrate? They are driving more. It’s less costly to take a road trip now, rather than fly to another destination, so more drivers are taking to the streets. More cars on the road increase the number of traffic crashes which, in turn, translates into higher auto insurance rates. Insurance rates are the cost of claims – and if the cost of individual claims rises and the number of claims rise, so must insurance to cover those increased costs.

Article from


Here’s a question we get every year: Why does Florida have the most expensive homeowners insurance in the nation?

The answer is easy: It is the riskiest state to write homeowners insurance.
     The average Florida homeowners policy cost $2,115 in 2013, according to a report released last week by the National Association of Insurance Commissioners. That’s highest in the land. Texas is No. 2 ($1,837), and Louisiana is No. 3 ($1,822). We have a ranking of the states at the Insurance Information Institute web site.
     Florida’s premium rose about 1.5 percent from a year earlier. The increase is easy to explain. The cost of insuring a home is, of course, affected by the cost of repairing that home when it is damaged, and that rises just about every year, thanks to inflation.

Article from Insuring Florida

Assignment of Benefits: A sign of a scam?

Signing over your insurance claim means you’ve agreed to step away and let a stranger handle things.

They make it sound so simple. You have a sudden water leak in your house. You call a plumber who makes an emergency repair. He tells you there is water damage because it was a sneaky leak that went undetected for long enough to mess with pipes or cabinets or kitchen tile – or the balance of the cosmos. “Let me call my buddy,” he says. “He handles the dry-out process so you won’t have more troubles. Sign this form that transfers your insurance claim, we’ll get you a lawyer to work with your insurance company.
Article from Insuring Florida

Steeling seniors against scams & shams

Seniors get mounds of unsolicited mail for all types of investment “deals” and requests for iffy charitable donations.

There always seems to be someone trying to get rich quick at the expense of the unsuspecting. Insurance fraud is a $32 billion business for property/casualty insurers, and the U.S. Dept. of Health and Human Services estimates healthcare fraud to be more than twice that amount. While there are many fraud victim stories to tell, it’s kind of scary when one hits close to home.
Article from Insuring Florida

Are you cleverer than a cyber crook?

With the Holiday Season Upon Us - Be Aware

A plastic foam superhero action figure saved me yesterday. She flew into my mailbox, along with a pamphlet extorting, “Be a Cyber Hero.” And, I am (cue Superman theme song). 
    I got an email yesterday purportedly from a newspaper reporter. In the subject line, it said “View Document,” and there was a graphic of the document to click upon. The email even had the reporter’s correct email address, signature line and phone number. I did not click it – because it’s Cyber Security Awareness Month – and a foam action figure warned of danger ahead.
    There is identity theft insurance. Some insurers offer it as part of a standard homeowners or renters policy; others provide the protection through a separate policy. Since cyber theft is a growing threat, this coverage is worth considering, as is remaining diligent toward suspicious emails. 

Article from Insuring Florida

Teen Driver Safety Week: Don’t touch that phone

Every day, on average, there are more than 700 traffic crashes on Florida roadways, according to the crash facts report by the Dept. of Highway Safety & Motor Vehicles. About 8 percent of those crashes involve teen drivers.

Drivers between the ages of 15-19 naturally have less experience. But teen drivers also tend to think they are experts at multitasking, which is an incredibly dumb thing to believe while driving.

The National Highway Safety Administration has a “5 to Drive” campaign that provides parents with reminders of rules of the road ripe for frequent reinforcement.

Article from Insuring Florida

Flood Insurance Premiums

Rainy season is here, and parts of Florida know it all too well as some areas experienced heavy rainfall in the past 24 hours – with more on the way, almost daily.

And, that reminds me that my flood insurance premium is due. Renewing flood insurance coverage should be a no-brainer for those living anywhere near a body of water.
   For me, it is a full-brainer, as each year I reconsider my decision – because I can. I have a so-called Preferred Risk Policy (PRP), meaning my property is at low risk for flood damage so the mortgage company doesn’t require flood insurance. But because I also know all too well that 20 percent of flood insurance claims come from low- to moderate-risk flood zones, I will renew.

Article from Insuring Florida


Meet Our Staff: ​Ana Maria Del Rio

Ana Maria is our newest team member, having just joined Lee Reed Insurance about a month ago.  An Army brat, she was born in Chicago and has lived all over the world including Italy, Germany, Norway, and Hawaii which was her favorite since her three years there allowed her to get in touch with her Hawaiian-Filipino heritage.

Ana Maria has been an insurance agent for four years.  She has lived in our area now for ten years.  Her two children are students at Wiregrass High School.  Outside of insurance and motherhood, she enjoys participating in bowling leagues.
Please join us in welcoming Ana Maria to our team!  She is a wonderfully sweet person who is committed to our community and its residents. When you see her around town, make sure you say "Hi!"

Meet Our Staff: ​Kimberly Greene

Originally from Flint, MI, Kimberly graduated from Mount Morris High School in 1986. Shortly after that, she moved to Zephyrhills and attended Pasco Hernando Community College. After a brief stint with another local agency, Kimberly started at Lee Reed Insurance in 2001 as a customer service representative. She quickly attained her 220 agent's license, and just recently passed her test to become licensed in life insurance and annuities.

Kimberly is an active member of the First Baptist Church of Zephyrhills and enjoys doing outreach work with the church. She loves spending time with family and hanging out with her friends in Dade City. When vacation time rolls around, you’ll find Kimberly and her husband and son loving life on Long Boat Keyit’s the Beach Life for them!
Kimberly runs our sister agency, Florida Manufactured Home Insurors, Inc. FMHII was formed in 2013 to provide an alternative to those Florida mobile home owners who could not find affordable coverage because of the age of their home and to offer an alternative to Citizens.

At FMHII, we are dedicated to providing affordable, quality insurance coverage for Florida's manufactured homes, their owners & their communities. It has been estimated by industry analysts that some 400,000 of the 1.2 million manufactured homes in Florida are uninsured.  For the uninsured, it is a problem that could devastate their way of life.

We have partnered with a leading insurer of manufactured homes to come up with an affordable and accessible alternative for those who may feel lost and hopeless in the Florida insurance marketplace.
While this program is not for everyone, we are convinced that it will be the answer that many manufactured home owners are looking for. 

For more information, call (813)782-5504 or visit the FMHII website.

Meet Our Staff: ​Danielle Huffman

Danielle started her insurance career in 2013 with Lee Reed Insurance.  A longtime Zephyrhills resident, Danielle, her husband, and their teenage son worship and serve at New Walk Church.  She is an avid dog lover and has two “fur babies” of her own: Harley, a hound mix, and Athena, a Catahoula Leopard.  

In her spare time, Danielle enjoys working out and traveling with friends and family.  Her most recent adventure: a trip to New York, where she got to see snow for the first time (you definitely can't get that in Zephyrhills!)

If you see Danielle around town, make sure you say "Hello!" to this friendly member of the Lee Reed Insurance Team!

Meet Our Staff: ​Stacey Roberts

A native of Dade City, Stacey has been with Lee Reed Insurance since 2013. As receptionist, she is the first person you’ll see when you walk in the door. She’ll always greet you with smile – that's just who she is!

Stacey has been married to her high school sweetheart for 30 years. They have 4 children and 3 grandchildren. Stacey’s favorite thing to do is spend time with her family.  She also enjoys watching softball & baseball and doing crafts.
One of her favorite sayings is, “Look for something positive in each day, even if some days you have to look a little harder.”

When you see Stacey, whether in our office or out and about in Zephyrhills, be sure to thank her for her awesome attitude and lovely smile!


Insurance Alert For Mobile Home Owners 

Struggling Florida Specialty In Receivership 

Zephyrhills Free Press
 October 10, 2019
​by Joe Potter
The failure of Florida Specialty Insurance Company, which covers more than 700 mobile homes in east Pasco, doesn’t mean the owners of those homes will be without coverage.
   Andrew Miller,  president of Lee Reed Insurance, said Tuesday that the Florida Department of Financial Services took Florida Specialty into receivership on Oct. 2 and the policies of about 90,000 people statewide will be cancelled at 12:01 a.m. on Nov. 1.
   “We’re doing our best to meet our customers’ needs to ensure they don’t have a lapse in coverage. They will be receiving an offer of coverage soon,” Miller said.
   Lee Reed has partnered with American Traditions Insurance Company to provide coverage for the mobile homeowners whose policies with Florida Specialty will be cancelled.
   “We have been doing business with the parent company of American Traditions for nearly 40 years and we have a great amount of trust in their ability to take care of you when you need them the most,” Miller said in an Oct. 7 letter sent to affected policy holders.
   “Before the end of the month, American Traditions will be sending you a new policy that will go into effect on November 1,” the letter said.
   “To continue without a lapse in coverage, simply mail your payment to American Traditions according to the invoice that will be provided with the policy,” the letter said.
   Miller said he understands people who have policies with Florida Specialty are concerned after they received a notice from the Department of Financial Services regarding Florida Specialty.
   Lee Reed Insurance has received numerous inquiries regarding Florida Specialty by telephone, in person, and by email. Affected policy holders are asked to be patient as a process is underway to make sure their needs are met in a timely manner, Miller said.
   Customers may also go to www. and click on the Florida Specialty FAQ’s page to get more information.
   It is highly unusual for an insurance carrier to be taken into receivership, Miller said. His father-in-law, Sam Surrat, who previously owned Lee Reed, only saw that happen two or three times in his 40- year career.