Business Details
50+ Years
experience
Your Trusted Local Insurance Partner in Lake City
Founded in 1969, The Wheeler Agency has remained committed to providing personalized insurance solutions to families and businesses in Lake City and surrounding areas. As an independent agency, we prioritize our clients' needs by offering tailored coverage options from select insurance providers with proven financial strength. Our team takes pride in being active community members, supporting local charities, and delivering exceptional service that extends beyond standard insurance offerings. With over five decades of experience, we combine deep industry knowledge with a focus on building lasting relationships.Our approach emphasizes transparency, choice, and understanding each client's unique needs to ensure comprehensive protection. We specialize in personal and commercial insurance lines, including auto, home, business, and specialty coverage for boats, RVs, and motorcycles. Our dedication to excellence is reflected in our claims support, policy education, and commitment to helping clients navigate insurance complexities with confidence.
Services
Auto Insurance
Home Insurance
Business Insurance
Boat Insurance
RV Insurance
Motorcycle Insurance
Workers Compensation
Property Insurance
General Liability
Commercial Umbrella
Details
- Year established: 1969
Highlights and features
- We are active community members deeply invested in Lake City's growth and well-being.
- Our independent agency status provides access to multiple insurance providers for optimal coverage.
- We offer personalized policy education to ensure complete understanding of your coverage.
- With 55+ years of local experience, we deliver proven expertise in personal and commercial insurance.
- Our claims support prioritizes prompt, compassionate assistance during critical times.
What people say
Personalized approach
Community involvement
Knowledgeable staff
Prompt claims support
Tailored coverage options
Services
Auto Insurance
We provide comprehensive auto insurance solutions protecting against liability, collision, and comprehensive risks. Our policies cover personal and business vehicles with customizable options for optimal protection. With access to multiple insurers, we help clients find competitive rates while ensuring adequate coverage for their specific driving needs and circumstances.
Home Insurance
Our home insurance policies safeguard against fire, theft, and natural disasters while offering specialized coverage for Florida-specific risks. We assist clients with wind mitigation assessments and help maximize available discounts. Our team ensures homeowners understand policy details and maintain adequate protection for their valuable assets.
Business Insurance
We offer tailored business insurance packages combining property, liability, and specialized protections. Services include workers compensation, business auto, and umbrella policies to protect against catastrophic losses. Our expertise helps businesses navigate regulatory requirements while securing comprehensive protection for their operations and assets.
Boat Insurance
Our boat insurance provides agreed value coverage with new boat price protection and emergency assistance. Policies cover hull, motor, and trailer with additional protection for fishing gear and electronics. We offer specialized plans through Safeco Insurance to ensure quick recovery after water-related incidents.
Workers Compensation
We provide mandatory workers compensation insurance for Florida businesses with four or more employees. Our policies cover medical expenses, lost wages, and death benefits while helping employers comply with state regulations. We assist with risk management strategies to minimize workplace injuries and associated costs.
People
John Wheeler
Agency Owner
Chartered Property Casualty Underwriter with 25+ years in insurance. Former special education teacher who joined the family business in 1999. Active in Rotary Club, Chamber of Commerce, and Boy Scouts Troop 85.
Melissa Harden
Personal Lines Agent
Licensed agent specializing in auto, home, and recreational vehicle insurance. Mother of four who enjoys RV travel and family farm activities. Active member of Hopeful Baptist Church with 15+ years in insurance services.
Priscilla Wheeler
Licensed Agent
Co-founder with 50+ years of insurance experience. Former secretary, bookkeeper, and computer specialist who transitioned to licensed agent. Partially retired but maintains active role in cattle ranching and client consultations.
Josh Heringer
Field Agent
Licensed general lines agent serving North Florida businesses. Technology enthusiast who balances work with family time. Specializes in commercial insurance solutions while maintaining technical expertise in policy administration systems.
Marcy Shepherd
Insurance Agent
Licensed personal lines and life insurance agent with equine sports background. Active outdoor enthusiast who enjoys camping, kayaking, and church choir participation. Provides insurance solutions while supporting local community activities.
Questions
What factors should I consider when purchasing auto insurance?
Consider liability coverage amounts, optional coverages, company reputation, and service quality beyond just price. Independent agents help evaluate these factors comprehensively.
What does collision coverage include?
Collision coverage protects against vehicle damage from collisions with other vehicles or objects like telephone poles.
How can I reduce auto insurance costs?
Raise deductibles, seek multi-policy discounts, maintain continuous coverage, and ensure accurate business classification for commercial policies.
What is commercial umbrella insurance?
Commercial umbrella insurance provides extra liability protection beyond standard policy limits, crucial for businesses facing high-risk scenarios.
Why choose an independent insurance agent?
Independent agents offer multiple carrier options, personalized service, and expert guidance to find coverage that best fits your specific needs.
What information is needed for business insurance quotes?
Current policy details, driver schedules, vehicle information, and claims history are required to provide accurate business insurance quotes.
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