Business Details
29 Years
experience
Your Trusted Local Insurance Partner in St. Johnsbury, VT
Farm Country Insurance has served St. Johnsbury, VT since 1997 as a locally owned, independent insurance agency licensed in Vermont and New Hampshire. Our team prioritizes personalized service, eliminating automated phone systems to connect clients directly with local agents. We leverage relationships with national and regional carriers to secure competitive rates while tailoring insurance solutions to individual needs. With expertise in personal and commercial lines, we specialize in auto, home, business, and specialty policies, including flood and umbrella coverage.Our philosophy centers on understanding client requirements through professional analysis rather than offering generic packages. Affiliated with Trusted Choice and SIAA, we maintain a commitment to exceptional service across Vermont's Northeast Kingdom and New Hampshire. Our experienced staff, including Margaret Champagne and Melanie Willman, provides comprehensive support for policyholders' evolving insurance needs.
Services
Auto Insurance
Homeowners Insurance
Renters Insurance
Commercial Auto
Business Owners Policy
Workers Compensation
Flood Insurance
Umbrella Insurance
Disability Insurance
Landlords Insurance
Details
- Year established: 1997
Highlights and features
- We are independent agents working exclusively for our clients' best interests.
- Our local expertise addresses Vermont and New Hampshire-specific insurance challenges.
- We represent multiple carriers to find optimal coverage-price combinations.
- Our team provides professional risk analysis and tailored insurance advice.
- We maintain continuous service availability with direct agent access.
Associations and certifications
- Trusted Choice
- SIAA
Services
Auto Insurance
We provide comprehensive auto insurance solutions meeting Vermont's mandatory requirements while offering customizable coverage options. Our policies include liability, collision, and comprehensive protection with personalized risk assessment. Clients benefit from competitive rates through our multiple carrier partnerships while maintaining flexibility for specialized needs like classic cars or commercial vehicles.
Homeowners Insurance
Our homeowners insurance packages protect primary residences with customizable coverage for structures, contents, and liability. We offer replacement cost valuation options and endorsements for high-value items or flood protection. Policies can be tailored to address specific risks like water backup or earthquake coverage while maintaining compliance with Vermont insurance standards.
Business Owners Policy
We create customized business insurance packages combining property, liability, and specialized coverages. Our BOP solutions address risks like workers' compensation, equipment loss, and business interruption. Policies incorporate inland marine coverage and employment practices liability protection while ensuring compliance with state-mandated requirements for Vermont businesses.
Workers Compensation Insurance
We provide mandatory workers' compensation insurance meeting Vermont's regulatory requirements while protecting businesses from employment-related injury claims. Our policies cover medical expenses, lost wages, and legal liabilities with options for employers' liability endorsements. We assist with compliance audits and risk management strategies for Vermont businesses.
Flood Insurance
We offer standalone flood insurance policies through the National Flood Insurance Program and private carriers. Coverage extends to structural damage, personal property losses, and business interruptions caused by flooding. Our specialists help clients assess flood risk zones and determine appropriate coverage limits for Vermont properties.
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 relationships with trusted carriers. Eric oversees operations across all Vermont locations.
Margaret Champagne
Agent
Margaret Champagne has served the agency since 2005, specializing in personal and commercial insurance lines. With extensive experience in policy analysis, she helps clients optimize coverage while maintaining local community ties in Lyndonville.
Melanie Willman
Customer Service Rep
Melanie Willman joined the team in 2021, bringing customer service expertise to insurance policy management. She assists clients with policy servicing needs while balancing family life in Lyndonville with her fianc and four children.
Questions
What types of insurance do you offer?
We provide auto, home, business, flood, umbrella, and disability insurance for individuals and commercial clients in Vermont and New Hampshire.
How do you find competitive insurance rates?
As independent agents, we compare policies from multiple carriers to find optimal coverage-price combinations tailored to each client's specific needs.
Do I need business insurance if I'm self-employed?
Yes, we recommend commercial coverage for self-employed individuals to protect against liability claims, equipment loss, and business interruptions.
Is flood insurance required in Vermont?
Flood insurance isn't mandatory unless required by mortgage lenders, but we strongly recommend it for properties in designated flood zones.
Can I purchase insurance online?
While we offer digital communication options, we recommend personalized consultations to ensure proper coverage selection through our local agents.
What areas do you serve?
We serve all Vermont and New Hampshire locations, with physical offices in St. Johnsbury, Bristol, Hinesburg, and Middlebury.
