Charlotte Speer State Farm Agent
State Farm® Insurance Agent

Charlotte Speer

Charlotte A Speer Ins Agcy Inc

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Office Info


61 Green St
Winterset, IA 50273-1530


About Me

I have over 31 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 four amazing boys Will, Beau, Rowan, and Gavin Speer. I love being out doors, so you can easily find me out in my pool and I love to go water skiing. I want to encourage others to follow your dreams and surround yourself with others that make you better. Never pass up an opportunity to learn something new. 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.

My agency team can help you with Life Insurance, Auto Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Farm/Ranch Insurance, Business Insurance, Work Comp Insurance, and Pet Insurance. My agency team loves meeting new customers, building long term relationships, and providing excellent customer service. My team and I are committed to helping customers with their insurance needs and would love to help you!

Upcoming Events:

10/1/22 - 10/31/22: Women's Small Business Month - Get a FREE Personal Price Plan and pick from items that we bought from the women who own small businesses in our community. Lets celebrate the growth and accomplishments of female entrepreneurs in our community!


10/28/22-10/30/22: PUMPKIN COMPETITION! Come vote for your favorite pumpkin in the office or vote on our social media platforms. May the finest pumpkin win...

10/31/22 : Happy Halloween! The Winner for our in office pumpkin competition will be announced.

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My team and I stands ready to help you with your 2022 goals, whether it is saving money or planning for the unexpected. We are experienced in providing insurance and financial services. Contact us as we want to help you achieve your 2022 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 with Life insurance, or protection in retirement from down cycles/longevity/inflation risks with our products

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

Meet my Team!

Jacki Bush-Waltz - Licensed Account Representative

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.

“I am extremely blessed to be able to work alongside my sister, Charlotte.”

“LIFE INSURANCE is my passion.”

Carol VanBemmel - Licensed Account Representative

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.

“I thank GOD every day for blessing me with this opportunity, I can honestly say I love my job!”

Carsyn Mount - Marketing Coordinator/ Office Manager

I have worked here for two & a half years and counting. I am currently a full-time college student majoring in Business Administration & Leadership Certificate. My future after college graduation is to attain her insurance license and work with the remarkable Speer team. I was born and raised in her hometown of Winterset, IA. I enjoy shopping and spending time with my family. A hobby that I love to do is photography! 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 strategies.

“I have been blessed to have this opportunity to work with such incredible people and love being able to advertise for such an amazing Insurance Agency”

Santana Smith - Marketing Assistant/Office Representative

I am the newest member to our team and is working toward getting my insurance licenses. I have worked at State farm for one month and I love it. I was raised in Winterset and lives on my family farm. I have a bachelor’s degree in business administration with an emphasis in finance from Oklahoma Panhandle State University. I enjoy entering rodeos across many states and spending time with my family. I assist with the development of marketing material for our local events and social media. I strives to promote our brand through our marketing efforts.

“I am enjoying my time here at State Farm learning different marketing strategies and financial services. I’m looking forward to continuing my time here at Charlotte Speer State Farm!”

Brandi Dunbar - (Servicing in Osceola Office) - Licensed Account Representative

I have been licensed since 2021. I grew up in Knoxville, IA. I have lived in Osceola for 22 years with my husband Mark. We have three amazing children. Kiaya (19) is currently attending Iowa Lakes Community College. She is majoring in nursing and playing softball. Josey (17) will be graduating this year. She plans to attend college and run track. Kanter (9) is currently in 4th grade. He plays football, baseball and loves to hunt. I enjoy spending time at home with my family on our hobby farm. My greatest accomplishment are my kids. I love watching them grow and spread their wings.

“What an amazing company to work for. Not many people can say they love their job and co-workers, but I can!”

Mikala Boor- (Servicing in Osceola Office) - Licensed Account Representative

I have been with State Farm since February of 2022. I am married to my high school sweetheart Eric, we have 2 beautiful children Jace & Paisley. We live on a farm outside of Murray, we raise hogs and cattle as well as crops. I love the outdoors and spending time with family. I enjoy working with all of our amazing customers daily and assisting them with Homeowners Insurance, Renters Insurance, Car Insurance and much more!

“I am honored to be apart of such and amazing company and work with incredible people. I truly love my job!”