Protect what matters most to you.
Independent insurance guidance from a local agency you can trust — serving Davenport, Lake Wales, Haines City, and all of Polk County.
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Insurance for every stage of life
We're an independent agency — that means we shop 30+ A-rated carriers to find the right coverage at the right price for your family or business.
Auto Insurance
Coverage that keeps Florida drivers moving — PIP, collision, comprehensive, and full-replacement options across 30+ carriers.
Get a quote →Home Insurance
Protect your most important investment with HO-3, HO-6, and dwelling-fire policies tailored to Polk County hazards.
Get a quote →Business Insurance
BOPs, general liability, commercial auto, and workers' comp for Davenport contractors, retailers, and service pros.
Get a quote →Life Insurance
Term, whole, final expense, and annuity options that protect your family without overspending on premium.
Get a quote →Health Insurance
Marketplace and Medicare plans, plus dental, vision, pet, critical illness, disability and long term care coverage.
Get a quote →We Shop Multiple Carriers
Independent means we compare 30+ A-rated carriers in one conversation. You get the right policy, not whichever one we sell.
A Dedicated Local Agent
Real people in Davenport answering the phone. No call-center queues, no outsourced support.
Claims Support & Advocacy
When something goes wrong, we sit on your side of the table. We push the carrier — you don't have to.
Five-star service, neighbor to neighbor
"Richard saved us almost $1,400 on our home and auto bundle and walked us through every coverage line. Refreshing to work with a real local agent."
"When a tree took out our fence after the storm, they had a claims adjuster on site within 48 hours. That kind of follow-through is why we'll never switch."
"Compared Medicare Advantage plans with me line by line. Zero pressure, all education. My parents now use them too."
30+ A-rated carriers, one trusted agency
As an independent agency, we represent dozens of national and Florida-specific carriers — so you don't have to call them yourself.
Florida insurance, plainly explained
Flood Insurance and the 2026 Hurricane Season: Why Homeowners and Renters Should Pay Attention
Even a quiet hurricane season can bring flooding. Here is what this season has shown us and how flood insurance can protect owners and renters.
How to Research Medicare Coverage: Where to Find Trusted Guides and Answers
Medicare has a lot of moving parts. Here are the most trustworthy places to research coverage and a simple process for comparing your options.
Florida Auto Insurance: How Drivers Can Save on Their Costs
Florida drivers pay more than most of the country for auto insurance, but the first quote is rarely the lowest. Here is what you can control.
Frequently asked questions
What is the benefit of working with an independent agency like Richard Williams Agency instead of State Farm or Geico?+
Captive agents work for a single insurance company and can only sell that company's rates and policies. As an independent agency, Richard Williams Agency represents 30+ A-rated insurance carriers. We shop the market on your behalf, find the best coverage for your budget, and reshop policies if rates increase at renewal.
What areas and communities in Central Florida do you serve?+
Our office is located on US Hwy 27 in Davenport, FL. We provide personal and commercial insurance throughout Polk County and surrounding Central Florida communities, including Davenport, Haines City, Lake Wales, Winter Haven, Kissimmee, ChampionsGate, and Clermont.
How much does it cost to get an insurance quote or policy review?+
Quotes and policy reviews are 100% free with no obligation. We evaluate your current coverage limits, identify gaps or missing discounts, and provide side-by-side carrier comparisons.
How quickly can new coverage take effect?+
In many cases, auto, home, renters, and private flood coverage can be bound the same business day or within 24 to 48 hours once application details are finalized.
Talk to a real person, today.
Quick question? Need a quote? We answer the phone, respond to email within hours, and you can stop by the office anytime during business hours.