Agency Spotlight: The Insurance Zone, Miramar Beach, FL

The Insurance Zone is a full-service commercial and personal line independent insurance agency serving the Emerald Coast of Florida including Destin, Fort Walton Beach, Okaloosa Island and Miramar Beach.

Founded in 2007 by Joe and Lea Capers, their philosophy for running their business is a simple one, “offer great products and exceptional service to our customers while maintaining an inviting atmosphere for our clients and staff.” Their positive attitudes and laser sharp focus on customer service earned them the title, “Best Insurance Agency in Destin” in 2011-2012 by readers of Destin Magazine.

As a Frontline independent agency, The Insurance Zone uses our proprietary technology to provide accurate, competitive Florida homeowners and condo insurance to their growing base of satisfied clients.

“Our customers have unique needs when it comes to insuring their coastal homes and condos, our partnership with Frontline allows us to tap into their deep knowledge of coastal insurance coverage and offer the best protection for the best value,” according to Joe Capers. “We truly value our relationship with Frontline. There is no confusion in our agency as to their commitment, financial stability and record of superior claims service.”

In addition to homeowners and Florida condo insurance, The Insurance Zone offers automobile, flood, recreational vehicle and other types of insurance services from well-known and rated carriers. They’re also a Trusted Choice agency and adhere to a strict pledge of performance. (

While insurance is a serious business, the team at The Insurance Zone likes to have fun with their customers. Several years ago, they started leaving Insurance Zone pens at local restaurants, stores and coffee shops. Much to the Capers surprise, the pens started to make their way into places outside of town including Frontline’s home office.

As the pens began to take on a life of their own, the Capers’ invited fans to “show their pen” on Facebook by sharing a photo of The Insurance Zone writing implement at various locations around town and around the world. So far over 35,000 pens have been distributed and you can request one of your own on The Insurance Zone’s website. ( Just make sure you post a cool photo when it arrives!

  • Fast Facts
  • Year Founded:2007
  • Owners: Joe and Lea Capers
  • Number of Employees:11
  • Office Address: 495 Grand Blvd., Suite 220, Miramar Beach, FL 32550
  • Office Phone: 850-424-6979
  • Customer Service Email:
  • Website:
  • Facebook:
  • Office Specialties: Homeowners, Condo Owners, automobile, Business Insurance, Life, and Flood.
  • Office Affiliations: Trusted Choice, FAIA
  • Awards & Recognition: “Best Insurance Company in Destin 2011-2012,”
  • Memberships: Walton Area Chamber of Commerce; Young Professionals; CAI (Community Association Industry); Membership Committee Santa Rosa Golf and Beach Club; Walton Area Chambers BUILD Mentor Program; Resurrection Catholic Church’s More (Men’s Group); NetVU Pensacola and Gulf Breeze User Group; FAIA
Please remember that the comments contained in this blog are general in nature and that coverage under any specific policy of insurance will depend upon the terms and conditions of such policy.