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Profile photo of a State Farm Agent named: Charlotte Speer
State Farm® Insurance Agent

Charlotte Speer

Charlotte A Speer Ins Agcy Inc

61 Green St
Winterset, IA 50273-1530

Would you like to create a personalized quote?

Would you like to create a personalized quote?

Office Info

Office Hours

8:30am - 5pm
8:30am - 4pm
After Hours by Appointment
Call or text us 24 hours a day!

Contact me to schedule a virtual meeting


61 Green St
Winterset, IA 50273-1530



Summer is here and we want to make sure you have your own Personal Price plan to protect your Auto🚗, Home🏠, Life❤, Motorcycle'🏍, Boat🚤, and more. Call, text, or email my office today!! We are here to help!!

I have over ⭐32 Years ⭐ of experience in the insurance industry. I started working for State Farm April 1, 1991 and became an Agent owning my own State Farm on April 1, 2001. I am an AIB College of Business Graduate and Ambassador Travel Qualifier. I am a lifelong resident of Winterset, IA where I was born and raised. I am married to my husband, Craig and mother to Dr. Skylar & Dr. Lindsay Speer; Trenton & Kelsey Speer; and Tanner & Nicole Speer. I am a Nana to 7 amazing boys 💙! I love being out doors, so you can easily find me out in my pool. I want to encourage others to follow your dreams and surround yourself with others that make you better. I literally thank GOD every day for the opportunity that I’ve been given to provide customers with insurance support and continually strive to find the finest insurance coverage's that will offset their risks and realize their dreams 🏡.

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

Banking, Mutual Funds

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My team and I stands ready to help you with your 2024 goals, whether it is saving money or planning for the unexpected. We are experienced in providing insurance and financial services. Contact us at (515) 462 - 3366.. As we want to help you achieve your 2024 and future financial goals! We are committed to provide each one of you with insurance support and continually strive to find the finest insurance coverage's that will offset your risks.

Here at our office... We are little different...

"We don’t push policies; we build protection plans.”

Here is why...

  • We don’t ‘suggest’ things just so customers buy.

  • We want to listen and understand what you need specifically.

  • We partner with you to build a plan that makes sense for you.

  • It could mean we are building a plan to protect your Auto/Home, or to add in protection for your livelihood with DI, or protection for your family.

  • We want to make sure we protect you and your loved ones- so you can pursue your financial goals.

If you are one of our amazing existing customers, we want to meet with you and make sure your coverage is keeping up with your life! If you are looking for quotes, my team and I would love to help by customizing a quote package just for you! Call or text our office to speak with Jacki Bush-Waltz, Carol Van Bemmel, Carsyn Mount, Melanie Ramirez or Charlotte Speer (the Agent) today! We are your local Madison County team and would love to be your one stop shop for your insurance and financial services! We are here for you!

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Jacki Bush-Waltz State Farm Agent Team Member

Jacki Bush-Waltz

Insurance Account Representative

I am a Licensed Account Representative at Charlotte Speer State Farm Insurance Agency in Winterset, IA. I have been a part of this winning team since December of 2011. I have two amazing children, Troyce and Utonda. The love that I have for them is unconditional. Especially for my grandchildren Greyson (4), Paisley (2), and Waylon (1). I enjoy motorcycle rides and spending time with the most important people in my life, my family. I represent how State Farm customers aren’t just our customers, they’re our family. I strives to make sure that every individual I interacts with are adequately insured, whether it be their Homeowners Insurance, Auto Insurance, Boat Insurance, Motorcycle Insurance, Life Insurance, and Pet Insurance.

Carol Van Bemmel State Farm Agent Team Member

Carol Van Bemmel

Insurance Account Representative

I am a Licensed Account Representative here at Charlotte Speer State Farm. I have had my Insurance License since 1994. I began to work for the winning agency of Charlotte Speer State Farm in January 2013. I am married to my soulmate and awesome husband Rick. Where we live on an acreage that is 47 miles away from Winterset, IA. I enjoy the great outdoors, going on road trips, and spending quality time with my friends & family. I love helping our new and existing customers with all Life Insurance, Auto Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Farm/Ranch Insurance, Business Insurance, Work Comp Insurance, and Pet Insurance needs. She has great passion on providing all our customers with excellent customer service.

Carsyn Mount State Farm Agent Team Member

Carsyn Mount

Insurance Account Representative

I have worked here for four years and counting. I graduated college with a major in Business Administration & Leadership Certificate. I was born and raised in my hometown of Winterset, IA. I enjoy shopping and spending time with my family. A hobby that I love to do is photography! I am a licensed Account Representative and Marketing Coordinator. I am the one that develops marketing material that you will see at our local events and on our social media platforms. I am very ambitious at taking the responsibility for managing all aspects of our marketing. I truly love what I do in helping customers with their insurance needs, while continuing to market for such an amazing agency!

Melanie Ramirez State Farm Agent Team Member

Melanie Ramirez

My name is Melanie Ramirez. I joined Charlotte Speer State Farm in February 2024. I am licensed in property & casualty and I stand ready to help customers with their insurance needs! I have lived in Winterset 12 years and born and raised in Earlham. I have two beautiful children Xavier (10) & Adilynn (6) with my wonderful husband Antonio. My hobbies include spending time with family, reading, writing, and crafting with my kiddos. Since working in the insurance industry, I have learned the importance of protecting yourself from the unexpected and I would love to be the one that helps you!