Business Details
Your Trusted Insurance Partner in Lakeland, FL
Safe Havens Insurance is an independent insurance agency serving individuals, families, and small businesses across Florida. We specialize in Medicare, health, homeowners, and flood insurance solutions, offering personalized guidance to help clients navigate complex coverage options. As a non-captive agency, we represent multiple insurers to provide competitive rates and tailored policies that align with clients' unique needs and financial goals.Our services come at no additional cost to clients, as our compensation is derived from carrier commissions. With a focus on transparency and client advocacy, we prioritize long-term relationships built on trust and ethical practices.
Services
Medicare Advantage Plans
Medicare Supplement Plans
Prescription Drug Plans
Health Insurance
Homeowners Insurance
Flood Insurance
Small Business Insurance
Dental & Vision
Auto Business Insurance
Commercial Property Insurance
Highlights and features
- We offer independent agency representation across multiple insurers
- Our team provides personalized insurance assessments with no obligation
- Licensed agent with 17 years of industry experience serves Florida residents
- We specialize in complex Medicare and health insurance navigation
- Local Lakeland-based knowledge informs tailored coverage recommendations
Associations and certifications
- Certified Medicare Insurance Planner (CMIP)
What people say
Responsive service
Knowledgeable agent
Competitive rates
Personalized guidance
Prompt communication
Services
Medicare Advantage Plans
We provide comprehensive Medicare Advantage plan options that combine medical coverage with additional benefits. Our experts help seniors evaluate prescription drug coverage, network providers, and out-of-pocket costs. With personalized comparisons, we ensure clients select plans that match their healthcare needs and budget requirements.
Flood Insurance
Our flood insurance solutions address Florida's unique risk factors, including coastal and inland flooding threats. We help property owners understand mandatory purchase requirements and coverage limitations. Through annual policy reviews, we ensure protection evolves with changing flood zone designations and property values.
Health Insurance
We offer ACA-compliant and short-term medical insurance options for individuals and families. Our guidance includes deductible analysis, provider network verification, and prescription formulary checks. We maintain ongoing support through enrollment periods and life-changing events to maintain continuous coverage.
Homeowners Insurance
Our homeowners insurance services include policy reviews for dwelling coverage adequacy and additional living expense provisions. We help clients implement risk mitigation strategies to qualify for premium discounts. Annual assessments ensure coverage keeps pace with home value fluctuations and construction cost changes.
Small Business Insurance
We provide tailored business insurance packages including liability, property, and workers' compensation coverage. Our risk assessment process identifies industry-specific exposures for Florida businesses. We maintain relationships with carriers offering specialized products for professional liability and commercial auto needs.
People
Julie M. Gethers
Agency Principal
With 17 years of insurance experience, Julie holds Florida licenses for life/health and general lines. She earned her CMIP certification and has a University of Maryland degree in human resources. Her career began with a national insurer before founding Safe Havens Insurance.
Questions
What insurance products do you specialize in?
We specialize in Medicare solutions, health insurance, homeowners insurance, flood coverage, and small business policies for Florida residents.
How do you help with Medicare plan selection?
We provide personalized comparisons of Medicare Advantage, Supplement, and Prescription Drug Plans, considering your specific healthcare needs and budget.
Do you offer after-hours support?
Yes, we offer appointments outside regular business hours for clients with scheduling constraints during standard operating times.
How do you handle policy changes or updates?
We proactively review your coverage annually and after life events to ensure your insurance adapts to changing circumstances.
What areas do you serve?
While based in Lakeland, we serve clients throughout Florida including Tampa Bay and surrounding communities.
Is there a cost for your services?
No, our insurance services are provided at no additional cost as we receive compensation from insurance carriers.
