W.J. Farmer Insurance Agency, LLC

W.J. Farmer Insurance Agency, LLC Contact us TODAY for a COMPLIMENTARY Quote!! With an insurance background and knowledge dating back to 1983, our founder, Jeff Farmer, established W.J.
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Farmer Insurance in 1997. In 2015 he merged with his daughter Amy’s five year old agency and together formed W.J. Farmer Insurance Agency, LLC. Servicing the needs of the entire states of New York and Pennsylvania, we work with the Erie Insurance Company and other major and regional insurance carriers to provide a full range of personal, business and life insurance products. With employees in both

upstate and downstate New York, we are uniquely situated to meet the needs of all of our clients throughout New York and Pennsylvania. Specialties include auto and home insurance as well as package insurance for a wide range of small and medium sized businesses. With over 100 years of combined experience and over 10 years of average experience per employee, we are well suited to meet the insurance needs of our personal and business customers alike.

With summer home-improvement projects top of mind for most, I wanted to reach out with a couple of upgrades you can cons...
06/01/2026

With summer home-improvement projects top of mind for most, I wanted to reach out with a couple of upgrades you can consider adding to your to-do list this season. Proactive maintenance and targeted upgrades can improve comfort and property value while reducing energy costs and even insurance claims.

Swipe for a few key home prep tips to consider this summer.

Preparing now can help protect your home, reduce insurance exposure, and improve long-term value. If you need recommendations for trusted local service providers, want tailored advice on prioritizing improvements that provide a strong return on investment (ROI), or just have a question, feel free to reach out. We’re here to help!

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made...
05/25/2026

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

Summer calendar filling up? Before the weekends start flying by, it’s worth doing a quick summer “toys” insurance check ...
05/19/2026

Summer calendar filling up? Before the weekends start flying by, it’s worth doing a quick summer “toys” insurance check to ensure your summer adventures don’t come with an expensive surprise. Swipe to see which coverages are best for some common summer rides.

Not sure you’re fully covered ahead of this summer? Call our office today. We’re here to help you enjoy a stress-free, adventure-filled summer!

In celebration of Mother’s Day, we want to take a moment to honor the mothers, grandmothers, and maternal figures who en...
05/10/2026

In celebration of Mother’s Day, we want to take a moment to honor the mothers, grandmothers, and maternal figures who enrich our lives with love, wisdom, and unwavering support.

We hope your day is filled with the appreciation, warmth, and joy you so richly deserve.

Happy Mother's Day!

This National Small Business Week, we’re highlighting a few key risks of being underinsured:✅ Workers’ compensation clai...
05/07/2026

This National Small Business Week, we’re highlighting a few key risks of being underinsured:

✅ Workers’ compensation claims can strain cash - Missing or inadequate workers’ compensation coverage can lead to fines and penalties, and it can leave you exposed to paying medical and wage costs tied to a workplace injury outright.

✅ Cyber issues can be harder to bounce back from - If you are underinsured for cyber incidents, you may be left paying for response costs, recovery, and customer notifications.
Having the right amount of protection for your small business can prevent a single expense from undoing months or years of hard work.

Want a quick checkup to help you prioritize what matters most without overspending? Call our office, and we’ll identify gaps and offer practical fixes aligned with your budget.

Graduation season is here, and we wanted to take a moment to celebrate the graduates in our network!Whether your graduat...
05/06/2026

Graduation season is here, and we wanted to take a moment to celebrate the graduates in our network!

Whether your graduate is completing Pre-K or their MBA, we want to extend heartfelt congratulations on this milestone.

Here’s to new beginnings, exciting opportunities, and all the big moments that lie ahead🎉

It is going down! Team Coverage Cartel vs. 3 Dudes & A Chick! Who is going to win this year's Erie Insurance ABM Conte...
05/04/2026

It is going down! Team Coverage Cartel vs. 3 Dudes & A Chick! Who is going to win this year's Erie Insurance ABM Contest? Cast your votes in the comments!

With National Small Business Week here, we wanted to share some key insurance considerations for any small businesses na...
05/04/2026

With National Small Business Week here, we wanted to share some key insurance considerations for any small businesses navigating higher costs.

When budgets are tight, it might seem like a good idea to keep coverage lean, but being underinsured can cause devastating consequences. Here are a few risks of not having enough insurance:

✅ A loss can become an out-of-pocket event - If building, inventory, equipment, or tools are underinsured, you can end up paying the gap between what your policy covers and the actual cost to repair or replace the lost item(s) after a fire, theft, or storm, even if you “have a policy.”

✅ Income can stop, but bills keep coming - Property coverage can help offset repair costs in the event of damage. But without the right business income coverage, payroll, rent, and ongoing bills keep coming even when operations and cash flow have paused.

✅ Liability can spill past your limits - A single claim can bring legal defense costs, settlements, and medical expenses that exceed your limits, creating a significant financial burden.

If you have questions or are interested in adding additional coverages, give us a call. Our team can help find a solution that respects your budget and strengthens your long-term protection.

Happy Earth Day! In celebration, we invite you to join us in making one simple eco-friendly choice — whether it is using...
04/22/2026

Happy Earth Day! In celebration, we invite you to join us in making one simple eco-friendly choice — whether it is using a reusable water bottle, choosing to walk or carpool instead of driving alone, or saying no to single-use plastics.

Small actions can add up to a big impact. Let's make a difference together!

April is Distracted Driving Awareness Month, a reminder that we all need to do what we can to drive as safely as possibl...
04/14/2026

April is Distracted Driving Awareness Month, a reminder that we all need to do what we can to drive as safely as possible. These tips can help increase your awareness on the road and avoid accidents related to distracted driving.

🚗 Make a passenger your co-pilot. Let them handle texts, directions, or any other important task so you can keep both hands on the wheel and eyes on the road.

🚗 Avoid multitasking. Eating, putting on makeup, or digging around in a bag can pull your attention from driving. Plan a quick stop if you have a task you must complete.

🚗 Guard your attention. If your mind starts to wander as you drive, pull over and do a quick reset by taking a few deep breaths and refocus on the road.

🚗Pull over to assist children. If you’re driving alone with children and they need attention, it’s best practice to pull into a safe spot rather than turn around or take your eyes off the road.

While these tips can help improve your safety while you’re on the road, it’s impossible to avoid accidents outright. That’s where we come in. Give us a call today, and we can help you find the right auto coverage to help protect you in the event of an accident.

Address

Horseheads, NY

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

Telephone

+16077960551

Website

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