🍂 November is here, and the holiday season is right around the corner! 🦃

From traveling to Thanksgiving gatherings and weekend getaways to everyday commutes, this time of year can mean plenty of time on the road! If you've added a new vehicle, have a new driver in the household, or haven't reviewed your auto insurance in a while, now is a great time to make sure your coverage still fits your needs.

Give our office a call! We'd be happy to help you review your coverage before the holiday travels begin! 🍁🚗

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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.