About Oak Shield Insurance Agency

Oak Shield Insurance Agency is Florida-based, owner-operated, and led by a local Florida native with deep roots in the community. We were started to bring clarity and calm to a confusing insurance world by providing the home-grown expertise and a personal touch. We take the time to understand your home, auto, and liability needs, then shop multiple carriers on your behalf to find coverage that fits our unique Florida landscape.

We believe insurance should feel personal, not transactional. That’s why we explain your options in plain language, outline the trade‑offs, and help you avoid both gaps in coverage and unnecessary extras. When life changes—a new home, a new car, a growing family—we’re here to proactively review and adjust your protection so you’re not left guessing.

Our goal is simple: protect what matters most to you with transparent coverage, fair pricing, and a partner you can reach.

My name is Zachary Matheny, your local insurance agent. I am a Florida native, born and raised in Orlando. I currently reside in Citra, Florida, and spend a lot of time in Gainesville and Ocala. Having spent years in a variety of roles within the insurance industry, I know exactly what makes a poor customer experience and what makes a great one.

Oak Shield Insurance Agency exists because I believe you deserve a real relationship with someone who knows your story, not just your policy number. My promise is a personal touch: direct communication, timely follow‑up, and honest guidance.

About your Agent

Why work with an independent agent?

In a complex market like Florida, the right coverage is about more than just a price tag. Here is why having a dedicated agent in your corner makes the difference:

We Shop, You Save: Instead of being tied to one company, we scan multiple A-rated Florida carriers. We do the comparison shopping for you to ensure you’re getting the most competitive rate available without sacrificing protection.

Local Expertise for Local Risks: Florida insurance has unique rules regarding wind mitigation, flood zones, and 4-point inspections. We understand the local landscape and ensure your policy actually covers the risks specific to our area.

Your Personal Claims Advocate: If you have an accident or a loss, you don't have to navigate the claims process alone. While the claims process is handled solely with the carrier we are here to answer your questions, advocate for you if needed and provide guidance and support when you need it most.

Annual Policy Reviews: Your life changes, and so should your insurance. We proactively review your coverage every year to make sure your home, auto, and assets remain fully protected as your needs evolve.

A Real Person & Personal Touch: When you have a question, you call us. You get straightforward answers from a local professional who knows your situation and understands your goals.

(689)223-7525

(689)223-7525

(689)223-7525

About Oak Shield Insurance Agency

About your Agent

Why work with an independent agent?

In a complex market like Florida, the right coverage is about more than just a price tag. Here is why having a dedicated agent in your corner makes the difference:

We Shop, You Save: Instead of being tied to one company, we scan multiple A-rated Florida carriers. We do the comparison shopping for you to ensure you’re getting the most competitive rate available without sacrificing protection.

Local Expertise for Local Risks: Florida insurance has unique rules regarding wind mitigation, flood zones, and 4-point inspections. We understand the local landscape and ensure your policy actually covers the risks specific to our area.

Your Personal Claims Advocate: If you have an accident or a loss, you don't have to navigate the claims process alone. While the claims process is handled solely with the carrier we are here to answer your questions, advocate for you if needed and provide guidance and support when you need it most.

Annual Policy Reviews: Your life changes, and so should your insurance. We proactively review your coverage every year to make sure your home, auto, and assets remain fully protected as your needs evolve.

A Real Person & Personal Touch: When you have a question, you call us. You get straightforward answers from a local professional who knows your situation and understands your goals.