

Farmers Insurance Agent in Fairfield, OH
Karen CaldwellKaren Caldwell Insurance Agcy IncAbout Me
As a lifelong Ohio resident, I'm proud to serve Fairfield, OH and the surrounding areas as your local Farmers Insurance® agent. I bring 40 years of industry experience to help people like you find the best coverage options for auto, home, life, investments, business, and recreational insurance.
My staff and I take a proactive approach to ensure that your policy best fits your needs. This involves a detailed policy review in which we evaluate your unique scenario, and help you craft a package that is custom-tailored. We will also work to help you earn discounts where available. We can’t wait to start a friendly conversation with you about protecting what matters most!
Give me a call at (513) 939-3888 and I'll be happy to answer any questions you might have.
Languages Spoken: English
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.
Life Insurance1
How much has your life changed in the last few years? Whether you've purchased a home, gotten married, had children or started a small business, it's a good idea to review your Life insurance policy. Call me today so you can create a plan to help provide financial support for those who depend on you.
ADFL029AWS 9/17Renters 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.
Business Insurance
Managing your small business can be complex, selecting the right Business insurance for your unique operation doesn't have to be. No matter the type of business, a Farmers agent can help you customize an insurance package to reduce your risk and protect your investment. Request a Business insurance quote today to get started.
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.
Condo Insurance
Your condo is more than a place you call home. It’s also a major investment filled with possessions you want to protect. Get a quote on condo insurance to see how affordable it is to protect your personal belongings.
Farmers Financial Solutions*
In today’s world, you want options, flexibility, and some measure of certainty that a secure future is within reach. As your Farmers Insurance and Financial Services agent, I have the experience and professional perspective to help you build a solid financial plan. Call me for an appointment, and let’s talk about how you can reach your goals.
To check background information of this investment professional, visit FINRA BrokerCheck.
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:

Farmers Policy Perks℠
When you purchase a policy with Farmers, you're not just getting insurance backed by almost a century of experience. Now, you can unlock discounts, save money, and get benefits — with Farmers Policy Perks.
Choose from a variety of perks. Some start the moment you sign up for a policy; others help you save money the longer you're with us. Safe driver perks? We've got those. And added coverage perks? Got them too.
So which perks will you choose? I’m always happy to help with any questions you might have! Call or email any time.

Get a whole lot of something with
Farmers Policy Perks℠
When you purchase a policy with Farmers, you're not just getting insurance backed by almost a century of experience. Now, you can unlock discounts, save money, and get benefits — with Farmers Policy Perks.
Choose from a variety of perks. Some start the moment you sign up for a policy; others help you save money the longer you're with us. Safe driver perks? We've got those. And added coverage perks? Got them too.
So which perks will you choose? I’m always happy to help with any questions you might have! Call or email any time.

Apply for the Farmers® Rewards Visa® and Visa Signature® cards and watch your rewards add up quickly. Cardholders can enjoy exclusive benefits and rewards. Use your points for a credit card statement credit to offset purchases or redeem points for travel, gift cards, and merchandise.
Subject to credit approval. The Farmers Rewards Visa is provided by Comenity Bank pursuant to a license from Visa USA Inc. The Farmers Rewards Program is provided by Comenity Bank which is solely responsible for the Program operation and all Rewards. Comenity Bank may change the terms of the Program at any time. See Farmersrewardsvisa.com for Rewards Terms and Conditions.

- Kayaking
- Bicycling
- Road Trips

Farmers® agents provide this service in person or online to help you review your existing coverage, so you can decide how to keep up with your changing insurance needs.
- As your life changes, maybe your policy should too
Changes in your life can add up to changes in insurance needs. A change in marital status, the birth of a child or the purchase of a new home are just a few examples of life events that may create overlaps or gaps in your coverage.
- Review your coverage and possibly save money
Just as you continue to change and grow, Farmers® has been growing for over 85 years. A Farmers® customer can be the first to enjoy access to new benefits (like when we became the first insurance group to offer a discount for alternative-fuel vehicles). Talk to us about a Farmers Friendly Review® - we can provide you with insurance options and discuss any available discounts for which you may qualify so you can select the coverage that best fits your needs.
- How often should you have a Farmers Friendly Review® session?
We recommend a Farmers Friendly Review® at least once a year or whenever you have a qualifying life event change. If you like, I can even set a reminder for us to keep an annual appointment to discuss your changing coverage needs.
Give us a call to set up your Farmers Friendly Review®.

Frequently Asked Questions:
Recent Reviews for Karen Caldwell
- February 20, 2021Rating 4.0Karen Caldwell help me out alot very polite help me to understand she was great
- January 8, 2021Rating 5.0Emily reached out to me when she saw we could move from Bristol to Farmers with a lower rate. Thank you!!Response from KarenFebruary 28, 2021You're Welcome! Our goal is to give our clients the best policy at the lowest possible cost.
- January 7, 2021Rating 5.0Really good job so far.Response from KarenFebruary 28, 2021Thanks for choosing Farmers! Our goal is to give you the best service possible.
- December 19, 2020Rating 5.0Extremely helpful, understanding, and very thorough. Was a pleasure to work with.Response from KarenJanuary 8, 2021I was very glad to be able to help you! Welcome to our agency and we look forward to doing business with you for a long time.
- December 14, 2020Rating 5.0I am very pleased to now have Karen as our agent. She is very knowledgeable and professional, and still very friendly and easy to talk to. Karen was very patient in answering all my questions, explaining and clarifying everything for me, and reviewing all our policies.Response from KarenDecember 22, 2020Welcome to our agency! We are so glad you chose to do business with us.
- November 25, 2020Rating 5.0Very professional, friendly agent who was very helpfulResponse from KarenDecember 8, 2020Our goal is to give you the best service possible. Thanks for your feedback!
- November 25, 2020Rating 5.0very professional, friendly, pleasant agent who really knows her stuff!Response from KarenDecember 1, 2020Thanks Pat. It is a pleasure working with you!
- October 17, 2020Rating 5.0The process was easy. The rates more than fair.Response from KarenNovember 21, 2020We are glad you found us easy to do business with us. Thanks for your business!
- September 21, 2020Rating 5.0Karen is knowledgeable, thorough, people oriented, and helpful .Response from KarenOctober 22, 2020Thanks Stephanie! It has been a pleasure working with you.
- August 12, 2020Rating 5.0I’ve known them since I was 5 (literally) and they are amazing!Response from KarenSeptember 11, 2020Wow, time flies! I remember insuring your mom and dad in 1981. Thanks for continuing with us!
- June 25, 2020Rating 5.0I have been with Karen Caldwell for about 20 years. I continue because of the great customer service and caring employees.Response from KarenSeptember 19, 2020Bennyce, It is a pleasure doing business with you! My staff and I always enjoy talking with you.
- March 9, 2020Rating 5.0I have been with Karen for 30 years. Always helpful.Response from KarenApril 23, 2020Thanks Sandra! We hope to be of service for a long time to come.
- January 2, 2020Rating 5.0Made me feel welcome as soon as I spoke with her. She went over everything thoroughly and made sure all my questions were answered. Also followed up with me to make sure everything was good and I was satisfied. Rock star customer service.Response from KarenJanuary 7, 2020Thanks Lisa! Emily is awesome and I am glad that you enjoyed working with her.
- November 29, 2019Rating 2.0Everytime we try and do some kind of change it is a major deal never easy. It is almost not worth doing changes cause it causes hazzles.Response from KarenDecember 18, 2019Hi Lance, So sorry that it seemed to be such a hassle to rewrite to the new policy. Insurance companies have certain requirements that need to be met when starting a new policy. I hope the very large savings was worth it. We appreciate your business and will work hard to make sure future transaction go smooth.
Karen Caldwell - October 31, 2019Rating 5.0Everyone in the office is helpful, kind and a joy to work with. Love working especially with Karen and EmilyResponse from KarenNovember 13, 2019Thanks Darren! We enjoy working with you.
- September 11, 2019Rating 5.0Emily was very responsive and did a great job putting together our insurance coverage.Response from KarenSeptember 11, 2019Thanks Sharon! So glad to hear you are happy.
- July 26, 2019Rating 5.0Emily was fantasticResponse from KarenAugust 29, 2019Thanks Kirstyn! She really cares about our clients.
- May 4, 2019Rating 5.0Karen was amazing and spectacular in her job, I have called the branch a few times and everyone in her office have been nothing short of amazing.Response from KarenMay 20, 2019Thanks Anthony! It is good to hear your feedback and I will let them know. They love to help.
- April 18, 2019Rating 5.0Karen has been extremely helpful and has excellent communication! I would highly recommend her.Response from KarenMay 20, 2019Thanks Michelle for the recommendation. It is appreciated!
- April 13, 2019Rating 5.0I HAVE NOTHING BAD TO SAY ABOUT YOU.Response from KarenJune 4, 2019Thanks Richard! We try our best to give our clients a good experience.
My Hardworking Team

