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Insurance Zone

Insurance Zone is a full service personal and commercial lines independent insurance agency, with two offices conveniently located in Santa Rosa Beach and Miramar Beach. Positioned to handle the unique insurance needs of coastal businesses and homeowner, Insurance Zone is fast becoming the premiere insurance agency of the Emerald Coast.

The agency offers insurance products and services tailored to meet the demands of coastal businesses and homeowners.

"It is our goal to provide you with the best options designed to protect your assets and ensure the prosperity of your home and business,” says Joe Capers, Owner/Partner with Lea Capers.

The Capers truly make their work day a family experience. Their pups, Buckeye (Ohio State fans, anyone?) and Izzi (named after the company) accompany them to the office every day. But, the success of IZ is not solely based on the efforts of Joe, Lea and the pups. Every person who works at their office is part of the IZ Team and Family.

Other than the exceptional and friendly environment at IZ, the agency is also committed to offering the best insurance products and services possible. IZ represents most of the premier insurance companies in our market and IZ specializes in insuring HOME, AUTO, BUSINESS, and LIFE. Recognized for their professional management and personal service, Insurance Zone is a Trusted Choice™ agency.


The IZ team also believes strongly in community involvement. Joe serves on the Walton Area Chamber of Commerce Board and is active in their Ambassador and BUILD mentor programs. He is a member of Santa Rosa Golf and Beach Club and works on the Membership Committee. He is on the Sacred Heart Charity Golf Classic Committee, the Advisory Board of the Seaside Neighborhood School, the MORE Men’s Group at Resurrection Catholic Church, and is active in the Community Association Industry and The Building Industry Associations. He also serves on the board of Alaqua Animal Refuge.

So, ‘Get in the Zone,’ with the insurance firm named Best in Destin for the past 3 years!

Insurance Zone is located at 2166 Hwy. 30A in Santa Rosa Beach and in Rufus Ray Plaza at 11275 US Hwy. 98 W in Miramar Beach. For more information about IZ, visit, call 850.424.6979 or find them on Facebook/ Insurance Zone.

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Insurance Zone is a business partner and supporter of our community website covering South Walton and the Emerald Coast of Florida.

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