
Farmers Insurance Agent in Winter Haven, FL
Fred Oliver Simons, IIIAbout Me
Born and raised in Florida, I'm proud to serve Winter Haven and the surrounding areas as your local Farmers® agent. At The Fred Simons Agency, we pride ourselves on providing outstanding customer service and ensuring each client is educated on their specific coverage options.
If you have time, we invite you to stop by our office which is conveniently located on the corner of 3rd Street and Avenue C SW, two blocks south of downtown. We will ensure that this process is straightforward and personalized to help you select the most comprehensive, cost-effective solution.
With over 28 years of experience in insurance and as a Florida native, I have the knowledge and skill-set to help you better understand your coverage options--whether it's auto, home, renters, umbrella insurance and much more!
Give me a call at (863) 259-1826 and I'll be happy to answer any questions you might have.
Languages Spoken: English and Spanish
Insurance Products Offered
Auto Insurance
Comprehensive coverage? Collision coverage? Deductibles? Medical Payments? Where to begin? Your local Farmers agent can take the mystery out of selecting the right Car insurance coverage for your needs and budget. Get started with an online Auto insurance quote and learn about our insurance discounts that can help you save money.
Home Insurance
Your home is perhaps your most valuable possession, so you'll want to make sure your insurer has withstood the test of time. Farmers® has been providing insurance products for over 80 years, and will be there in the event disaster strikes and your home is damaged in a fire or due to another covered cause of loss. Plus, get competitive rates with our multi-line insurance discounts. Get a Home insurance quote now.
Renters Insurance
Your landlord may have an insurance policy, but if there's a fire in your building, that policy may not cover your possessions. That's why there's Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Motorcycle Insurance
As a motorcycle enthusiast, you're all about adventure and fun. The last thing you want to worry about is whether you have the right Motorcycle insurance policy. Talk to a Farmers agent about Motorcycle insurance discounts such as rewards for responsible riders and insuring more than one bike with Farmers.
Recreational Insurance
When enjoying the great outdoors, you shouldn't have to be thinking about your insurance coverage. Make sure you have Recreational insurance coverage from an industry leader. Whether you own a boat, travel trailer, ATV or Motor Home, Farmers Insurance has flexible coverage options and insurance discounts. Contact a Farmers agent to get a quote.
Umbrella Insurance
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
Ask Me About:




Whatever your reason for renting, you may need coverage to help you protect your personal possessions and assets. Call today to see how I can help you understand your insurance options!


Frequently Asked Questions:
Recent Reviews for Fred Simons
- January 14, 2021Rating 5.0Both Fred and John were so very helpful thanks guys
- November 19, 2020Rating 5.0We were in need of insurance change. We asked a friend and they suggested Fred Simons. We contacted the Simons Agency and were treated very professionally very quickly. We transferred all our insurance needs to this Agency. The experience was a very enjoyable experience and we look forward to working with Fred in the future.
- November 7, 2020Rating 5.0I can say he was extremely helpful and nice. Was able to help me secure home insurance. Was to the point yet made me very comfortable with our transaction.
- October 31, 2020Rating 5.0Great agent
- October 21, 2020Rating 5.0LATE IN DAY BEFORE A CAR PURCHASE FOR THE NEXT DAYEVERYTHING WAS HANDLED IN A FAST COMPLETE MANNER. I WAS VER IMPRESSED. JEAN
- September 20, 2020Rating 5.0My agent Fred Simon's is the best agent I have ever had. Went above and beyond on my home 🏡 insurance also for my auto insurance. Couldn't ask for a better agent
- September 14, 2020Rating 5.0Fred is extremely thorough, conscientious and professional - you really couldn't ask for more from your Agent.
- September 13, 2020Rating 5.0Want to take a moment and thank Mr. Fred Simons for all his prompt and excellent work he did to help me switch my insurance over. I appreciate him and staff more than I could ever express. So again my sincerest gratitude to you.
- September 12, 2020Rating 5.0Fred made me feel that he truly cares about me and my insurance needs. His knowledge and professionalism saved me a great deal of money on my homeowners insurance.
- September 10, 2020Rating 5.0Very patient and detailed! Greatly appreciated his knowledge and quick responses.
- September 2, 2020Rating 5.0Fred was very informative and patient with all me.
- August 30, 2020Rating 5.0One of the best agents I have ever spoken to before regarding any kind of insurance . Friendly and helpful in every way !Response from FredAugust 30, 2020We work hard to be help our clients understand where their insurance dollars are going. Your kind words are encouraging and motivating. Thank you.
- August 29, 2020Rating 5.0Fred was
Fred was super ..Thank You Fred! - August 25, 2020Rating 5.0I really like the fact that you get to know your prospective polyholders.
Felt very comfortable talking to you.
You explained everything in terms that everyday person can understand. Never had an agent take the time to explain. - August 13, 2020Rating 5.0Thank you for listening and explaining in detail the best way to get things done. You eased my mind and were able to write the policy. It will be nice to be part of a great insurance family.
- June 15, 2020Rating 5.0Mr. Simons was incredibly helpful. He was very knowledgeable, and saved me a lot of money!
- May 29, 2020Rating 5.0Very personable and knowledgeable about insurance. Provided additional information about community since I had just moved here.
- May 11, 2020Rating 5.0Just started with farmers and the agent, however so far so good as I’ve been looking for insurance since detox last year and finally got someone to help, so thank you
New customer - May 6, 2020Rating 5.0Appreciate all your help!Response from FredMay 6, 2020Thanks for the review Kyle. We appreciate your business.
- April 19, 2020Rating 5.0Mr. Fred Simons, is one great person/agent. Works for me.