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First-time buyer or coastal condo? We walk through home coverage in plain English and compare carriers that fit your ZIP.
First-time buyer guideWe cover your assets.Car, home & business insurance in Kentucky & Florida
Local agents in Florida & Kentucky compare top carriers for you. Licensed in 12 states.
- 4.9★150+ Google reviews
- 21+carriers compared
- Since 2009family in insurance
Who we help
Built for how you actually live
Whether you’re closing on a first home, covering kids and cars, or running a shop — we keep coverage clear and comparable.
Life stage
Families
Auto, home, and umbrella options that grow with you — so one call covers the people and stuff that matter most.
Get a family quote
Work
Business owners
Liability, BOP, and commercial auto without the stuffy broker vibe — practical coverage for shops, crews, and side hustles that scaled up.
Explore commercial insurance
Coverage
Protection for every chapter
From Hwy 98 commutes to Gulf-front living and Lexington commercial risks — we place coverage that fits how you actually live.
Home
Homeowners & condo coverage with coastal considerations for Northwest Florida.
Explore home
Auto
Liability, full coverage, SR-22 guidance, and multi-car options from leading carriers.
Explore auto
Boat & lifestyle
Watercraft, yacht, and recreational coverage built for Gulf Coast living.
Explore specialty
Business
BOP, general liability, workers’ comp, commercial auto, and more for growing businesses.
Explore commercialAlso covered: Renters · Vacant · Rentals · Flood · Umbrella · Life · RV · Jet ski · Pet · Travel · Tesla / EV · Rideshare · Cybercab · Turo · Cyber · Drone · Farm · Home warranty · Contractors
Specialty hub · Commercial insurance · All coverage types
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Florida home, condo and rental owners: ask us for a Security First quote →
Competitive options from Security First and other carriers we compare. Subject to Security First Insurance Company underwriting.
Commercial insurance
Insurance for the business you built
Contractors, shops, restaurants, offices, fleets, and property owners — we shop multiple commercial carriers, explain the fine print, and handle certificates, audits, and renewals so you can get back to work.
Carriers
We shop the names you trust
As an independent agency, Asshield compares multiple carriers — so you get competitive rates without calling each one yourself.
21+
Carrier partners
2
Offices (FL & KY)
12
States served
35
Coverage lines
Logos are trademarks of their respective owners. Used by Asshield as an appointed independent agency; usage subject to each carrier’s guidelines.
Agency locator
Two offices. 12-state reach.
Brick-and-mortar hubs in Fort Walton Beach, FL and Lexington, KY — with licensed agents who help clients across 12 states by phone, text, and online quote.
Florida Gulf Coast
139 Beal Pkwy SE, Suite 203
Fort Walton Beach office: phone and text only at (850) 684-0164. In-office visits by appointment only.
(850) 684-0164
- Coastal home & wind considerations
- Auto, boat, golf cart & seasonal needs
- Agents who know the Emerald Coast
Lexington, Kentucky
2240 Executive Dr Ste 103
(859) 368-0162
- Personal & commercial lines
- Bluegrass-area families & businesses
- In-person and phone support
Find an office — agency locator
Licensed where you live
Coverage help across 12 states
Offices in Fort Walton Beach, FL and Lexington, KY — licensed to serve clients across 12 states. Chips and map show the states we serve; stars mark our offices. Product availability varies by ZIP and carrier.
Map chips = states we serve · stars = Fort Walton Beach, FL and Lexington, KY offices
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FL
Florida
Office
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KY
Kentucky
Office
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AL
Alabama
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TX
Texas
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IN
Indiana
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OH
Ohio
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TN
Tennessee
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NC
North Carolina
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SC
South Carolina
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GA
Georgia
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AR
Arkansas
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PA
Pennsylvania
Licensed across these 12 states (availability varies by product and carrier). Ask about your ZIP — phone, text, and online quotes welcome from every state we serve.
Car & home insurance near our offices
Kentucky and Florida guides from the teams in Lexington and Fort Walton Beach:
Social proof
Google reviews
Clients rate Asshield™ 4.9 stars on Google — real feedback from our Lexington office and beyond.
Our people
A team that picks up the phone
Owned by Joshua Williams since Asshield opened in 2020 — family in insurance since 2009. Terrill Williams joins Asshield in 2027. Independent, multi-state agents in Fort Walton Beach, FL and Lexington, KY. Español disponible on request. Our story.
We cover your assets
Get covered — free quote in minutes
Compare carriers online, or text / call a real Asshield™ agent. Offices in FL and KY — licensed to help clients across 12 states. Serving drivers in TX, FL, KY, and 9 more licensed states.