About Oak Shield Insurance Agency

Oak Shield Insurance Agency is an independent insurance agency, Florida-based and led by a local Florida native. Oak Shield Insurance was started to bring a personal touch back to insurance. We believe customers deserve direct access to their agent, clear communication, and a smooth experience from quote to claim.

No call centers—just local expertise and personalized service.

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, and I am a Florida native, born and raised in Orlando. I currently reside in Citra and spend much of my time serving clients throughout Ocala, Gainesville, and the surrounding communities.

After years working in a variety of roles within the insurance industry, I've seen firsthand what creates a frustrating customer experience, and what creates an exceptional one. That experience inspired me to start Oak Shield Insurance Agency.

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.