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Fred Simons

Rating 4.9
Farmers Insurance Agent in Winter Haven, FL
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Contact Info


325 Avenue C SW
Winter Haven, FL 33880

Get Directions

Phone Numbers

(863) 259-1826(863) 259-1826
(863) 259-1827

Office Hours

Day of the WeekHours
Mon:8:30 AM - 5:30 PM
Tue:8:30 AM - 5:30 PM
Wed:8:30 AM - 5:30 PM
Thu:8:30 AM - 5:30 PM
Fri:8:30 AM - 5:30 PM
Available on Saturdays by appointment!
Contact me

Farmers Insurance Agent in Winter Haven, FL

Fred Oliver Simons, III
About Me

Rating 4.9

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 Certifications


Neighborhoods Served

Lakeland, Auburndale, Haines City, Lake Wales, and Bartow


Insurance Products Offered

Ask Me About:

The personalized service that comes with your Farmers auto coverage might be the best recommendation for adding a Farmers homeowners policy to your insurance portfolio. When you purchase an additional policy, you might also qualify for a multi-line discount. Call me today for more information.
If you’re in an accident, our goal at Farmers is to help you get back on the road — safely and quickly — with our award-winning claims service. To learn more about the advantages of Farmers auto coverage, call me today.
Life is unpredictable, and as much as you plan, there’s always something around the bend that never crossed your worried mind. With a Personal Umbrella policy from Farmers®, you’ll have additional liability limits over and above those provided by your underlying policies. Your assets, as well as your future earnings, are covered.
Why do you choose to rent? You might like the convenience of letting a landlord handle anything that goes wrong. Perhaps it’s the most cost-effective way to live near the city center.

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!
Farmers has spent the last 60 years getting to know outdoor enthusiasts. From boats, personal watercraft and off-road vehicles to motor homes, travel trailers and 5th wheels, we have an array of specialized coverage options. Call me today for more information.
On a motorcycle, you can experience the road as you want, without barriers or boundaries. With Farmers, you can choose the coverage you want, with potentially specialized options like coverage for accessories and trip interruptions. Call me today to learn more.

Recent Reviews for Fred Simons

Rating 4.9
61 Customer Reviews
  • Rating 5.0
    Mr. Simons was incredibly helpful. He was very knowledgeable, and saved me a lot of money!
  • Rating 5.0
    Very personable and knowledgeable about insurance. Provided additional information about community since I had just moved here.
  • Rating 5.0
    Just 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
  • Rating 5.0
    Appreciate all your help!
    Response from Fred
    Thanks for the review Kyle. We appreciate your business.
  • Rating 5.0
    Mr. Fred Simons, is one great person/agent. Works for me.
  • Rating 5.0
    Response from Fred
    Thank you.
  • Rating 5.0
    Very knowledgeable, generous with his time and information, and VERY patient with us as we navigate these changes. An overall calming force; peace of mind.
    Response from Fred
    Thanks for the kind words, glad we could help.
  • Rating 5.0
    Very professional. I know I’ll b pleased with this company
  • Rating 5.0
    Great service! Quick and painless!
  • Rating 5.0
    Fred is a very knowledgeable insurance agent. He really help me with all my insurance needs. Fred is also a fantastic hugger. I really appreciate his services.
    Thank you
  • Rating 5.0
    Very friendly, professional and very easy to work with
  • Rating 5.0
    I very competitively shopped homeowners Insurance for our Home in Clermont, Florida and found that Farmers Insurance had a very competitive rate. I also want to say that I was very pleased with working with Madonna. She was very Professional, Courteous, knowledgeable and responded in a timely fashion. I plan to insure my autos with Farmers to qualify for the discount rate.
  • Rating 5.0
    Great customer service. Very friendly staff!
  • Rating 5.0
    As a former customer of Farmer’s, it was a pleasure to work with Madonna and return to the Farmer’s family. Madonna answered all our questions and provided needed recommendations. She was full of answers and instrumental in our overall decision. She is a keeper!!!
    Response from Fred
    We at the Simons Agency are grateful to welcome you back to the Farmers family. Thank you for your kind words.
  • Rating 5.0
    Fred was able to quickly change my policy to the state I moved to. Very helpful and quick to respond.
    Response from Fred
    Thank you for sharing your experience, glad we could help.
  • Rating 5.0
    Fred was very helpful getting through this process.
  • Rating 5.0
    Mr. Simons was very professional and courteous and always answered any questions we had. We feel very comfortable going with Farmers for home and auto insurance.
    Response from Fred
    We appreciate the encouraging review. Thank you for your time.
  • Rating 5.0
    Fred conducts himself in a professional manner.
    Explains all pertinent information thoroughly and unambiguously .
    Was a pleasure becoming acquainted with Fred and to do business with him .
    We wish him well !!!!
    Response from Fred
    Thank you for the kind review. It was a pleasure meeting both of you.
  • Rating 5.0
    Fred always takes the time to answer my questions and make sure I'm getting the best product for the best price.
    Response from Fred
    Thank you Charles. It’s nice to hear our time was well spent. I’m glad we could help.
  • Rating 5.0
    Phenomenal customer services!
Displaying 1 - 3 reviews of the 20 most recent