Joe and Lea Capers Have You Covered at Insurance Zone

August 1, 2014 by Manny Chavez

When Joe Capers says “he’s got you covered,” he means it! Specializing in Home, Auto,
Business, and Life Insurance, his company, Insurance Zone (IZ), is known throughout the local community for offering full insurance coverage with a smile. Voted “Best in Destin” for the past 3 years, he and his Wife Lea are the epitome of the energetic, charismatic couple.

Joe’s interest in selling insurance goes back to his college days where he majored in insurance at Ohio State. He worked for Nationwide Insurance Company underwriting personal and commercial lines. Joe transferred within the Nationwide organization to their Atlanta office, working as their business development manager.

During this period he met his wife Lea who at the time worked for the Georgia Department of Insurance. Fast-forward twenty years and the couple set their eyes on Destin. They decided in 2005 to “possibly buy a Destin insurance agency”, remembers Joe.

Instead, they decided to “start from scratch” and form their own agency. In 2007 Insurance Zone (IZ) was born and they never looked back. Today, IZ is pretty much split between personal and commercial insurance coverage. 

“What distinguished us from other companies is our ability to offer a variety of choices to customize an insurance plan to meet a client’s unique needs,” says Joe.

The first IZ office, opened in Grand Boulevard , quickly outgrew itself… they are currently working out of a much larger office space at Grand Boulevard.

“We’ve actually outgrown this space already and we are looking to add an additional satellite office somewhere on 30A,” continues Joe. Growth is good.

Asked to explain the remarkable success of his agency, Joe is quick to praise his staff and great working environment. “We consider every person who works in our office to be part of our family.  Our clients love to visit here and we love to have them.” A visit to the IZ office wouldn’t be complete without the pitter-patter of small paws from their loveable pups, Izzi and Buckeye, who accompany them to the office daily.

When Joe and Lea first started their agency, they were surprised that so many local businesses and families actually had their insurance policies placed with agencies that weren’t even local. “So that created an opportunity for us…with all of our experience, we can place a client’s coverage properly,” explains Joe.

IZ keeps Joe and his staff busy, but he still finds time to give back to the community. He serves on the Walton Area Chamber of Commerce Board working as their Ambassador and BUILD mentor programs. He is also a member of the Sacred Heart Charity Golf Classic Committee, the Advisory Board of the Seaside Neighborhood School, and the MORE Men’s Group at Resurrection Catholic Church.

Not one to miss out on an advertising opportunity, Joe and his staff are having fun “getting the word out” with their Insurance Zone pen distribution. Over 75,000 pens have been distributed throughout The Emerald Coast…mostly at area restaurants, trade shows, and special holiday events.

“We are closing in on our 100,000th pen and we will have a special celebration when this happens,” beams Joe. “We get phone calls all the time from people who have seen our pens everywhere, their insurance is up for renewal, and they would like to ‘talk insurance’.”

The Insurance Zone….the place to go to “cover your assets!”


Manny Chavez's picture

Manny has been a working photojournalist his entire career and is now writing stories/taking pix for He and his wife Kris live in Seagrove and have “seen a lot come and go.” Lots of stories have been told, with lots more to come!

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