Fall schedules can mean plenty of time on the road—from school activities and sporting events to weekend trips and daily commutes. If your household has added a vehicle, welcomed a new driver, or changed how you're using your vehicles this year, October can be a good time to review your auto insurance and make sure your coverage continues to fit your needs. 🍁 🎃

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Hi— I'm Charlotte Speer , a licensed State Farm Insurance agent serving families and businesses across the Des Moines Metro area and throughout Iowa, including Winterset and surrounding communities.

I opened my own State Farm agency on April 1, 2001, but began working at State Farm on April 1, 1991 and since then I’ve seen—again and again—how the right coverage can turn unexpected challenges into manageable situations. While we can’t control what life brings, we can choose how prepared we are for it.

I’m a premier business agent—only 1% of our company. ✅ Creating commercial & business insurance coverage, along with farm policies 🌾, is a passion I take great pride in. I’m honored that our agency ranks #6 in Iowa for the Recreational Market 🎯, and I’m grateful to help people right here in Winterset, IA 📍and surrounding areas. Whether you’re preparing for everyday life or protecting the things you love most, I’m here to support you 🤝.

My commitment is simple: I take the time to understand what matters to you and your household—so we can review your coverage options with clarity and confidence. Whether you’re:

• protecting your first vehicle 🚗

• updating your policy after a move

• safeguarding your home 🏡

• planning for your family’s future with life insurance ❤️

• or starting and protecting a business ...I’ll be there every step of the way.

I also bring positivity into everything I do 😊—because a sincere smile 🙂 and supportive attitude can create a ripple effect of confidence and hope. When you need help, you can count on me to be available and responsive.