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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

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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.

Frequently Asked Questions:

Recent Reviews for Fred Simons

Rating 4.9
76 Customer Reviews
  • Rating 5.0
    Both Fred and John were so very helpful thanks guys
  • Rating 5.0
    We 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.
  • Rating 5.0
    I 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.
  • Rating 5.0
    Great agent
  • Rating 5.0
  • Rating 5.0
    My 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
  • Rating 5.0
    Fred is extremely thorough, conscientious and professional - you really couldn't ask for more from your Agent.
  • Rating 5.0
    Want 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.
  • Rating 5.0
    Fred 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.
  • Rating 5.0
    Very patient and detailed! Greatly appreciated his knowledge and quick responses.
  • Rating 5.0
    Fred was very informative and patient with all me.
  • Rating 5.0
    One of the best agents I have ever spoken to before regarding any kind of insurance . Friendly and helpful in every way !
    Response from Fred
    We work hard to be help our clients understand where their insurance dollars are going. Your kind words are encouraging and motivating. Thank you.
  • Rating 5.0
    Fred was

    Fred was super ..Thank You Fred!
  • Rating 5.0
    I 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.
  • Rating 5.0
    Thank 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.
  • 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.
Displaying 1 - 3 reviews of the 20 most recent