w.j. farmer insurance agency, llc
We'll Point You in the Right Direction.
Insurance that puts people first—because you’re more than just a policy. Rooted in Horseheads, NY, we help families and businesses across New York & Pennsylvania find coverage that fits their lives.
Tailored Insurance for Your Home, Business & Livelihood in NY and Beyond.
Since 1997, W.J. Farmer Insurance has helped families and businesses across New York find personalized, dependable coverage they can trust. As a family-run independent insurance agency based in Horseheads, we take pride in offering thoughtful service, competitive quotes, and long-term relationships that go beyond paperwork.
Whether you're insuring a home in Ithaca, a motorcycle in Buffalo, or a commercial property in NYC, we’re here to point you in the right direction—every time.
OUR SERVICES
The Coverage You Need. The Team You Can Count On.
As independent agents, we’re proud to offer a wide range of coverage options from top insurance carriers. That means more flexibility, better prices, and solutions that actually make sense for you.
Personal Insurance
Protect your car, home, family, and future with coverage built for everyday life. We offer auto, home, life, renters, and motorcycle insurance tailored to New Yorkers from Horseheads to NYC.
Business Insurance
From contractors to commercial properties, we help small businesses stay protected and compliant. Fast quotes, flexible options, and real support when it counts.
Insurance By Industry
We customize coverage for tradespeople, truckers, dealerships, and rental hosts. Wherever your business takes you, we’ll build a policy that fits your world.
Independent. Trusted. Personal.
Why Choose an Independent Agency?
Big carriers sell you what they want. We help you find what you actually need. As an independent agency, we work with trusted carriers—including Erie Insurance, Progressive, Travelers and more. Allowing us to tailor quotes to your carrier, budget and lifestyle.
We’re Local. We Listen. We Care.
- Family-Owned & Relationship-Driven
- Independent with options tailored to cover individuals, families, and businesses
- Local Roots, Statewide Reach
