Business Details
29 Years
experience
Trusted Insurance Solutions in St. Johnsbury, VT
Farm Country Insurance has served Vermont and New Hampshire since 1997, providing personalized insurance solutions tailored to individual and business needs. As a locally owned, independent agency, we prioritize exceptional customer service and access to competitive rates through partnerships with national and regional carriers. Our experienced team delivers customized coverage options, avoiding one-size-fits-all policies while maintaining a commitment to community understanding and client advocacy.With four Vermont locations, including our St. Johnsbury headquarters, we combine local expertise with comprehensive insurance knowledge to serve clients across Vermont's Northeast Kingdom and beyond. Our philosophy centers on analyzing client-specific risks and recommending appropriate protection strategies, ensuring clients receive optimal value and coverage alignment.
Services
Auto Insurance
Home Insurance
Business Insurance
Commercial Insurance
Flood Insurance
Renters Insurance
Landlord Insurance
Umbrella Insurance
Workers Compensation
Disability Insurance
Details
- Year established: 1997
Highlights and features
- We're an independent agency offering unbiased insurance recommendations from multiple carriers
- Local expertise serving Vermont's Northeast Kingdom since 1997
- Access to both national and regional insurance providers for competitive pricing
- Experienced agents provide personalized policy analysis and recommendations
- Dedicated customer service with direct agent access and no automated systems
Services
Auto Insurance
We provide comprehensive auto insurance coverage meeting Vermont's mandatory requirements while offering customizable options. Our policies protect against liability, collision, and various other risks with tailored solutions for personal and commercial vehicles. Our experienced agents help clients navigate coverage options to find optimal protection at competitive rates.
Home Insurance
Our home insurance policies protect primary residences, rental properties, and condominiums with customizable coverage options. We offer standard policies with optional endorsements for flood protection, scheduled personal property, and liability enhancements. Our agents help clients understand policy types and select appropriate coverage levels for their specific needs.
Business Insurance
We offer comprehensive business insurance packages including BOP policies, liability coverage, and specialized protections. Our solutions address risks like workers compensation, equipment loss, and business interruption. We help businesses navigate complex insurance requirements and create customized protection plans tailored to their specific industry needs.
Flood Insurance
We provide separate flood insurance policies to supplement standard homeowners and commercial policies. Our flood insurance options cover property damage from water-related disasters with customizable limits. Our agents help clients assess flood risks and select appropriate coverage levels based on property location and flood zone classifications.
Umbrella Insurance
Our umbrella insurance policies provide additional liability protection beyond standard policy limits. This coverage applies across homeowners, auto, and commercial policies to protect against major lawsuits. We help clients determine appropriate umbrella coverage amounts based on their specific risk exposure and asset protection needs.
People
Eric Carter
Owner
Eric Carter assumed ownership of Farm Country Insurance following Gary Roberts' retirement. He maintains the agency's commitment to personalized service while continuing to build relationships with insurance carriers to benefit clients.
Margaret Champagne
Agent
Margaret joined the team in 2005, specializing in personal lines while maintaining commercial expertise. With extensive experience in both areas, she provides comprehensive insurance solutions to clients across Vermont's Northeast Kingdom.
Melanie Willman
Customer Service Rep
Melanie joined the team in 2021, bringing extensive customer service experience to her role. She focuses on client servicing needs while supporting the agency's commitment to personalized insurance solutions and exceptional client support.
Questions
What types of insurance do you offer?
We offer auto, home, business, commercial, flood, renters, landlord, umbrella, workers compensation, and disability insurance policies for Vermont and New Hampshire residents.
Are you a local insurance agency?
Yes, we're locally owned and operated in St. Johnsbury, VT with additional offices in Bristol, Middlebury, and Hinesburg, serving Vermont's Northeast Kingdom since 1997.
How do you help find competitive rates?
As an independent agency, we work with multiple national and regional carriers to compare options and find the best coverage at competitive prices for each client's specific needs.
What areas do you serve?
We serve all of Vermont and New Hampshire, with a particular focus on Vermont's Northeast Kingdom including St. Johnsbury, Lyndon, Barton, Hardwick, and surrounding communities.
How do I file an insurance claim?
Contact your insurance carrier's toll-free reporting number immediately after an incident. We recommend keeping emergency contact information in your vehicle for quick access during auto accidents.
Can you help with business insurance needs?
Yes, we specialize in business insurance solutions including BOP policies, commercial auto, liability coverage, workers compensation, and specialized protections for various industries.
