W.J. Farmer Insurance Agency, LLC

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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.

Fall brings plenty to enjoy, but it can also bring added risks at home and on the road.At W.J. Farmer Insurance Agency, ...
10/15/2026

Fall brings plenty to enjoy, but it can also bring added risks at home and on the road.

At W.J. Farmer Insurance Agency, we want to help our neighbors across New York and Pennsylvania stay prepared. From changing road conditions and earlier sunsets to home maintenance and protecting personal belongings, a few seasonal safety steps can make a meaningful difference.

Swipe for helpful fall safety reminders.

If you would like to review your home, auto, renters, or umbrella coverage, our team is here to help you understand your options and make sure your protection still fits your needs. Reach out to W.J. Farmer Insurance Agency anytime.

A covered business loss can put a lot on your plate. Understanding how your policy pays a claim can make a meaningful di...
10/13/2026

A covered business loss can put a lot on your plate. Understanding how your policy pays a claim can make a meaningful difference in how you recover.

Actual cash value (ACV) coverage generally accounts for depreciation, while replacement cost value (RCV) coverage may help cover the cost to replace covered property with comparable new items, subject to your policy terms and limits.

The right option depends on your business, property, budget, and risk tolerance. Our team at W.J. Farmer Insurance Agency can help you review your commercial insurance coverage and understand how ACV and RCV could affect your payout after a loss.

Reach out to us to start the conversation.

A serious accident or liability claim can exceed the limits of your auto or home insurance faster than many people expec...
10/08/2026

A serious accident or liability claim can exceed the limits of your auto or home insurance faster than many people expect.

That is where umbrella liability insurance can help. It provides an added layer of protection when a covered claim goes beyond the limits of your existing policies—helping protect your savings, property, and financial future.

At W.J. Farmer Insurance Agency, we help individuals and families across New York and Pennsylvania review their coverage and determine whether an umbrella policy fits their needs. It is often an affordable way to add meaningful peace of mind.

Wondering whether umbrella insurance makes sense for you? Contact our team at (607) 796-0551 to talk through your options.

Construction site theft can quickly become much more than an inconvenience. Stolen equipment and vandalism may lead to c...
10/06/2026

Construction site theft can quickly become much more than an inconvenience. Stolen equipment and vandalism may lead to costly delays, disrupted schedules, higher insurance costs, and added stress for your business.

At W.J. Farmer Insurance Agency, we understand how much work goes into keeping a project moving. That is why proactive site security and the right contractor insurance coverage both matter.

Simple steps such as securing equipment after hours, improving lighting, limiting site access, documenting inventory, and reviewing your commercial property and inland marine coverage can help protect the tools and equipment your team relies on.

Swipe through for practical ways to help safeguard your construction site.

If you would like to review how your current policy responds to theft, vandalism, or damaged equipment, our team is here to help. Contact W.J. Farmer Insurance Agency at (607) 796-0551 to discuss contractor insurance in New York or Pennsylvania.

Starting a construction project? Builder’s risk insurance can help protect the work, materials, and equipment while the ...
10/03/2026

Starting a construction project? Builder’s risk insurance can help protect the work, materials, and equipment while the project is underway—but timing matters.

Coverage should be in place before construction begins, and it may end once the project is completed, occupied, or handed over. Understanding those details can help prevent costly coverage gaps.

At W.J. Farmer Insurance Agency, we help contractors and business owners across New York and Pennsylvania find coverage that fits their projects. Call us at (607) 796-0551 to discuss builder’s risk coverage for your next job.

Fire safety starts with everyday habits—and protecting your home begins long before an emergency.October is Fire Prevent...
10/01/2026

Fire safety starts with everyday habits—and protecting your home begins long before an emergency.

October is Fire Prevention Month, a helpful reminder to review a few essentials with everyone in your household:

• Stay close when cooking, and keep flammable items away from stoves, heaters, and fireplaces.
• Test smoke alarms monthly, replace batteries as needed, and replace alarms that are 10 years old or older.
• Create and practice a home escape plan with two ways out of each room and a designated meeting place outside.
• Keep a fire extinguisher accessible and remember PASS: Pull, Aim, Squeeze, Sweep.
• Avoid overloaded outlets, inspect cords for damage, and never leave portable heaters unattended.

For homeowners, renters, and landlords alike, prevention and preparation can make a meaningful difference. For more fire-safety guidance, contact your local fire department.

If you would like to review your home, renters, or landlord insurance coverage, our team at W.J. Farmer Insurance Agency is here to help. Contact us at (607) 796-0551.

Renting a commercial property for your business? Adequate renters insurance isn’t just a landlord requirement. It’s a sa...
09/29/2026

Renting a commercial property for your business? Adequate renters insurance isn’t just a landlord requirement. It’s a safeguard for your success. So, our team wanted to share some key information about renters insurance and how it can protect what you’ve worked so hard to build.

Swipe to learn more.

Looking for tailored renters insurance for your business? Contact our team today to get started! We are here to make sure you are fully protected.

Theft prevention is top of mind for many homeowners. Not only can it be deeply unsettling for your space to be invaded, ...
09/24/2026

Theft prevention is top of mind for many homeowners. Not only can it be deeply unsettling for your space to be invaded, but burglary can also represent significant financial losses for homeowners.

The good news is that a few simple prevention tips can go a long way toward protecting your home. Swipe for more.

While these tips can help deter burglars, they cannot fully prevent theft or mitigate the effects of a home invasion. That’s why it can also be crucial to ensure your homeowners insurance not only includes theft coverage, but that the coverage fully protects your home and belongings.

That said, if you have questions about your homeowners coverage and how it can help protect you in the event of theft, don’t hesitate to reach out to our team. We are here to help you.

Can you believe we’re already heading into the final 100 days of the year? Before things get busy, it’s a great time to ...
09/22/2026

Can you believe we’re already heading into the final 100 days of the year? Before things get busy, it’s a great time to check in and see how much has changed in your life over the past several months.

New milestones are exciting — a new home, a new car, a career shift, or changes in your family. But they can also create gaps in your insurance if your policies haven’t kept pace. As an independent insurance agency here in Horseheads, our team at WJ Farmer Insurance Agency LLC sees this all the time.

Here are a few life changes that often mean it’s time for a coverage review:

• Buying or renovating a home
• Purchasing a new vehicle
• Welcoming a new family member or updating your household
• Adding valuables like jewelry, art, or collectibles
• Experiencing changes in income, assets, or career

If any of these sound familiar, now is a great moment to make sure your home, auto, life, and umbrella coverage are still protecting everything that matters. We’re here to help you review your options and keep your policies aligned with your life.

Want a quick, no-pressure policy checkup? Reach out anytime. Our team is always here to help.

Fall is the perfect time for business owners to give their commercial property a quick checkup before colder weather bri...
09/17/2026

Fall is the perfect time for business owners to give their commercial property a quick checkup before colder weather brings bigger maintenance challenges.

A little preventive care now can go a long way. It helps protect your property’s value, reduce safety hazards, minimize interruptions, and lower the chance of preventable insurance claims.

Here are a few smart areas to review this season:
• Roofing and gutters
• Heating systems
• Exterior walkways
• Emergency equipment

Our team at WJ Farmer Insurance Agency LLC is always here to support local businesses in New York and Pennsylvania. If you have questions about your commercial insurance or want help reviewing your coverage, we’d love to hear from you.

What fall projects are on your maintenance list this year? Share in the comments!

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 - 3pm

Telephone

+16077960551

Website

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