w.j. farmer insurance agency, llc
We'll Point You in the Right Direction in Horseheads, NY.
Insurance that puts people first—because you’re more than just a policy. We help families and businesses across Horseheads, NY find coverage that fits their lives.
Independent Insurance for Horseheads Homes, Drivers & Business Owners
We’ve been serving Horseheads, NY with personal and commercial insurance since 1997. As a local, family-run agency, we understand the risks that matter most in Chemung County and the surrounding areas. Whether you're insuring your car, your home, or your contracting business, we’ll help you find flexible coverage that fits your goals. We work with top carriers like Erie Insurance to provide dependable protection without high-pressure sales. Let’s build a plan that keeps you confident—at home, on the road, and on the job.
OUR SERVICES
Insurance coverage designed for families and businesses in Horseheads, NY
As independent brokers, 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
We help Horseheads residents protect what matters most with personalized home, auto, renters, and life insurance—backed by real advice and local support.
Business Insurance
We help Horseheads business owners—from contractors to retailers—get coverage that supports growth, meets requirements, and stands up to real risks.
Insurance By Industry
From electricians to rental property owners, we help Horseheads professionals get industry-specific insurance that fits how they actually work.
Independent. Trusted. Personal.
Local Roots, Personal Service—Right Here in Horseheads
We’ve proudly served the Horseheads community for decades, offering local insurance expertise with a personal touch. Our office on North Main Street isn’t just where we work—it’s where we connect with neighbors, solve real problems, and help families and businesses protect what matters. As a family-run independent agency, we’re built on trust, long-term relationships, and doing the right thing. We don’t sell one-size-fits-all policies—we build coverage around your needs. When you call, you’ll talk to someone who knows your name.
What types of insurance do you offer in Horseheads?
We offer home, auto, renters, life, and business insurance tailored to the needs of Horseheads residents and local small businesses.
Do you work with multiple insurance companies in Horseheads?
Yes—we’re an independent agency, which means we can compare options from top carriers like Erie to find the best fit for you.
Can I get a quote quickly if I live in Horseheads?
Yes—just call or message us, and we’ll get back to you with a personalized quote, usually the same day.