Fields Insurance — The Independent Agency That’s Serious About Protecting You! 

Michael (holding Maxwell) and Nancy Fields (holding Charley) can provide a wide range of insurance products from a large number of different carriers to protect your home, vehicle, property and even your life at their Fields Insurance Agency on the north side of S.R. 56. (Photos by Charmaine George) 

Located in the Medallion Corporate Park on the north side of S.R. 56 (just east of I-75) in Wesley Chapel, the Fields Insurance Agency can help you with all of your insurance needs. 

Owners Michael and Nancy Fields have their roots deeply embedded in Tennessee but have added new roots in Florida since moving here in 2021. With agencies across multiple states — including Tennessee, Georgia and Florida — they are committed to broadening their reach by adding additional counties in Florida. The Wesley Chapel office of the Fields Insurance Agency now serves as Michael and Nancy’s home base and they say they are committed to serving the local community. 

The agency offers a broad spectrum of insurance services, including personal and commercial property and casualty insurance, which encompasses auto, home, renters, boat, and motorcycle insurance. Select life insurance policies also are available. 

The Fields Insurance Agency’s motto is: “Simple – Affordable – Comprehensive Insurance,” which encapsulates Michael and Nancy’s mission to provide each of their clients with the best possible coverage within their respective budgets. Numerous top-rated insurance carriers are represented by Fields Insurance, including Allstate, Citizens, Progressive and many more, some of which you may not even recognize. 

“There are too many to list,” Michael says, “and we are continually adding more companies so we can better serve our clients.” A comprehensive list of the insurance providers the firm is happy to offer is available at FieldsInsuranceAgency.com. “The goal is to give customers the best possible coverage they can afford,” he adds. 

The Journey 

Michael recalls when a friend who worked in insurance mentioned he should go work with him, and told Michael he thought it would be a good fit for him. 

“I was told I would probably like it and my answer to that was, ‘I doubt it’ but I decided to try it out,” he says, adding that his journey started with filing and office tasks, which he viewed as a temporary role. He learned about the business and, in no time at all, his friends were encouraging him to take the insurance exams — and an insurance agent was born. 

Michael eventually took over the agency, but before doing so, he had to participate in a three-year program called “Replacement Agency Executive,” which required that he meet certain goals and criteria before he could take over. He successfully completed this process in 2014. 

Nancy and Michael’s daughter Bethany, who went to school at the University of Mississippi in Oxford (aka “Ole Miss”), promptly secured a job in Tampa after graduating in 2019, and Michael and Nancy decided to follow their daughter. In 2021, Michael acquired a Brandon-based insurance agency. 

“I had a place in Pinellas Park and went back and forth between Florida and Tennessee until 2023,” he says, adding that he and Nancy decided to make Florida their permanent home after Nancy retired from a long career as a teacher. “As we started looking for our perfect home, everything that we wanted was here in the New Tampa/Wesley Chapel area. We decided on a home in Grand Hampton, and we love it here.” 

Integrity stands at the forefront of the company’s business philosophy. Michael and Nancy prioritize their clients’ best interests, offering free quotes and the ability to provide estimates swiftly, a significant advantage over clients seeking quotes on their own. 

“I will make sure they are covered correctly,” Michael says, “so if a claim arises, we know their policy will cover them properly.” 

The agency is proud to have many 5-star Google reviews, with an overall Google rating of 4.8 on more than 70 reviews. Client Dawn Morris highlighted the agency’s commitment to excellent customer service when she wrote this in her 5-star Google review: “They call you back in a timely manner and help with your questions or changes in policy quickly. Not a lot of wait time.” 

“People are focused on price, and I understand it,” explains Michael. “But, this can sometimes lead to sacrificing essential coverage.” He emphasizes the importance of understanding what clients want covered and what they expect in the event of a claim. Based on this understanding, he provides coverage options that offer them peace of mind. For clients with budget constraints, especially younger individuals, Michael and Nancy take the time to educate them, explaining the best options within their means and outlining additional coverage to consider as their financial situation improves. 

“I don’t want to ever get a call from a client saying, ‘Why did you not tell me I was not covered?,’” Michael says. “I never want to get that phone call, so we believe in educating our clients.” 

‘Ramsey Trusted Pros’ 

Being a “Ramsey Trusted Pro” is a recognition Michael and Nancy are very proud to have. Dave Ramsey, a renowned author and radio host based in Nashville, TN, offers financial advice and recommends companies that meet his stringent standards. 

“Earning a spot on this list,” Michael says, “is a testament to our hard work and ethical business practices.” 

Many satisfied clients attest to the efficiency and dedication of the Fields Insurance Agency. In her 5-star review on Google, client Anna Lollar shared, “Within the same day of using Dave Ramsey’s ELP (Endorsed Local Provider) program, I was contacted. After providing basic information, I was provided a quote that exceeded my expectations. I was very pleased with the communication and support.” 

Michael and Nancy are pleased to report that, despite the negativity recently in local and national news media, insurance prices have remained relatively stable, with only slight increases. They attribute this stability to their diligent efforts to find the right insurance solutions for every one of their clients. 

Client Janice Carson recently shared her positive experience in another 5-star Google review, saying, “Michael and Nancy provided both automobile and homeowners insurance quotes in a very timely manner and saved us over $1,500 annually! They were quick to respond with updates to any changes we made and the entire process of switching both policies went very smoothly! Thank you!” 

Michael and Nancy Fields exemplify an unusual dedication to their clients, community and the principles of integrity and education in the insurance industry. They are committed to ensuring that their clients always receive comprehensive coverage tailored to their individual needs. 

The Fields Insurance Agency is located at 2600 Cypress Ridge Blvd., Suite C1, in Wesley Chapel. For more information or for a quote on your home, auto, business or other property needs, call (813) 651-0094, or visit FieldsInsuranceAgency.com. 

Fields Insurance Moves To Wesley Chapel To Help With Home, Auto & More 

When you trust Fields Insurance to find you the right home, auto or other insurance policy, you’ll deal with the married team of Nancy & Michael Fields. Their office is located in the Medallion Corporate Park just north of S.R. 56 in Wesley Chapel. (Photos by Charmaine George) 

As the owner of five insurance agencies in Tennessee, and with more than two decades of experience, Michael Fields knows his way around the insurance business. 

When their only daughter, Bethany, graduated from Ole Miss University and took a job in Tampa, Michael and his wife Nancy decided to move to the area, too. 

In 2021, Michael acquired a Brandon-based insurance agency and Nancy retired after 33 years as a schoolteacher to help her husband with the newest branch of the family business. 

Over the past two years, they have bought a home in Grand Hampton and decided to move the agency to the Medallion Corporate Park, just north of S.R. 56 and east of I-75. 

Now, they have set down roots, are leaning in to their new community and are excited to help their neighbors. 

“We treat people like they want to be treated,” says Michael. “It’s important to be a person of integrity, and a person who can be trusted.” 

Fields Insurance helps people with personal and commercial property and casualty insurance. That’s primarily auto, home, renter, boat and motorcycle insurance, although they also write some life insurance policies, as well. Michael says that, since coming to Florida, he’s also written a lot of policies for vacation homes, condos and mobile homes. His agency helps both individuals and businesses, including offering business property and liability insurance. 

One designation that sets Fields Insurance apart is being recognized as a “Ramsey Endorsed Local Provider.” Dave Ramsey is an author and radio host who offers financial advice. While he’s recognized nationwide, he’s based out of Nashville, so Michael says Ramsey is extremely popular in his home state. People who take Ramsey’s classes and want to be connected with a trusted partner can be directed to Fields Insurance. 

“It puts us in a category that says we are an agency of integrity,” says Michael. “We always try to give you the insurance you need at a price that best fits within your budget.” 

While Michael will always strive to get his clients the best possible insurance at the lowest possible price to fulfill their needs, he says the most important thing is that he finds them the right insurance. 

“We are educational in the way we approach business,” he says. “We make sure people don’t sacrifice coverage to get the lowest rate.” 

The Challenges Of Florida 

Michael says that right now, prices across the board for auto and especially, homeowners insurance in Florida are very high, and that’s something that is out of his control. However, he says you can trust his agency to work with you and always act in your best interest. 

He adds that as an independent agency, Fields Insurance is able to work with a number of different top-rated companies, including Liberty Mutual, Allstate, Nationwide, Progressive, Safeco, Florida Peninsula, Slide, Cabrillo Coastal and more, although the companies that are writing new homeowners policies in Florida right now are definitely limited. 

A Little History 

Michael started out in the insurance business in 1999 in Memphis as an associate agent with Nationwide Insurance. In 2011, he went through a three-year training program as a “replacement agency executive” and became the primary agent at that location in 2014. 

In 2017, Nationwide made all of its agents independent, so he no longer sells exclusively Nationwide products. Since then, Michael has opened four more agencies in Tennessee and one in Florida. 

Wade and Pamela Simpson, who live in Seffner, were at a loss when they inherited a family home in Dunellon that was built in 1986 and still had its original roof. 

“I had been with State Farm for 25-30 years and they couldn’t help me,” says Wade. “I couldn’t even get other companies to talk with me. I was calling everyone and someone suggested this new company in the area, Fields Insurance. So I called, and Michael answered the phone.” 

Wade adds that he couldn’t believe the west Tennessee dialect he was hearing — which sounded exactly like his own — and that he and Michael discovered they were born and raised in neighboring towns in Tennessee. 

While it was fun to discover that connection, Wade says that what really stood out was how Fields Insurance was able to get a policy for his newly inherited home when others couldn’t. 

“I have recommended Fields Insurance to two dozen people in the last six months,” says Wade. “I say, ‘Quit calling everybody. Call Fields!’” 

Wade says that his State Farm agent later told him that his policy on a home he owns in Tennessee was going to be cancelled, so he reached out to Fields Insurance again, and again, Michael was able to help. 

“I saved tons of money,” Wade says, so he also switched his policy on his Seffner home to Fields Insurance, as well. “What a relief!” 

Wade also says that, for many years, he has rented a parking lot to park cars in during the Plant City Strawberry Festival. Last year, the doctor he rents the parking lot from told Wade he needed to have a $1-million liability policy. 

“I didn’t have a clue who to talk to about that,” Wade says, “so I called Fields and they had a policy for me within a week.” 

And, Wade adds, “Talk about customer service! They called me again (a few weeks ago) to ask if I need another policy for this year’s Strawberry Festival” (which begins Feb. 29). 

Michael says he invites those who are insurance price shopping or who have questions about insurance to give him a call anytime. 

“Quotes are free,” he says, “and it doesn’t hurt to get a quote. We try to work with everyone the best we possibly can and make it as simple as possible.” 

And, Nancy adds that they love serving the communities of Wesley Chapel and New Tampa. 

“We love the community connection here,” she says. “We’ve gotten season tickets to the Bucs and we’ve gone to Lightning games with our daughter. We love all the restaurants and how close everything is to us here.” 

Fields Insurance is located at 2600 Cypress Ridge Blvd., Ste. C1, in Wesley Chapel. For more information or for a quote on your home, auto, business or other property insurance needs, call (813) 651-0094, visit FieldsInsuranceAgency.com.