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Charlotte Lehto
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Charlotte Lehto

Farmers Insurance Agent in Lincoln City, OR

Contact Info


4270 NE Highway 101
Lincoln City, OR 97367

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Phone Numbers


Office Hours

Day of the WeekHours
Mon:8:00 AM - 5:00 PM
Tue:8:00 AM - 5:00 PM
Wed:8:00 AM - 5:00 PM
Thu:8:00 AM - 5:00 PM
Fri:8:00 AM - 4:00 PM
After Hours by Appointment.
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Farmers Insurance Agent in Lincoln City, OR

Charlotte R Lehto
Charlotte Lehto Ins Agency Inc
About Me

Our agency is proud to be your local Farmers® agent in Lincoln City, OR. With over 19 years of experience, we enjoy helping customers like you identify the insurance coverages and products which best fit your needs. The process we use is straightforward and personalized and our goal is to make you smarter about insurance and your coverage options. Assuring our clients experience excellent customer service and comprehensive insurance protection is the foundation of our agency. Please don't hesitate to call or drop by our office for a complimentary insurance review. We are here to help you make informed decisions about your insurance protection.

Give me a call at (541) 994-2884 and I'll be happy to answer any questions you might have.

Languages Spoken: English

Years of Experience

I have over 17 years of experience as a Farmers Insurance agent.

Neighborhoods Served

Pacific City, Depoe Bay, Otis, Cloverdale, and Grande Ronde


States Licensed In


Insurance Products Offered

Get A Quote Online:

Auto Insurance
Auto Insurance
Home Insurance
Home Insurance
Life Insurance1
Life Insurance
Business Insurance
Business Insurance

Call For More Info:

Ask Me About:

New baby? Getting married? Life Insurance can help you provide a financial safety net. Let’s discuss your life changes.

PWS LD-01 10/17

The Lincoln City Chamber of Commerce

I am proud to be a member of the Lincoln Chamber of Commerce for over 8 Years!

Siletz Bay Music Festival

The Siletz Bay Music Festival is dedicated to bringing high quality music performances and education to the Central Oregan Coast!

Lincoln City Homeless Solutions

Lincoln Warming Shelter

Our agency offers annual policy reviews. We're here to answer all of your business and commercial insurance questions, including general liability coverage, and beyond.

Whether you're a general contractor, hair dresser, salon, or other small business in Lincoln City, Newport, or the surrounding areas, stop by today for a free quote. We're happy to help you!

We offer special discounts for medical personnel, educators, and first responders. Call us today to learn more.

As a small business owner myself, I know it's not easy to plan for the future when you factor in the unexpected. A Buy-Sell Agreement funded by a life insurance policy can help reduce the "what ifs" in your mind. Let’s work together on a plan sooner rather than later.

Please click the link below to find out if you need flood insurance.

Besides providing increased liability limits, a Personal Umbrella policy can fill gaps in your coverage with added benefits, such as:

-Coverage for claims that may not be covered by your underlying Homeowners, Auto, or Watercraft liability policies, such as libel, slander, or defamation of character.

-Coverage anywhere in the world.

-Coverage for defense costs and attorney fees associated with claims against you that are covered by your Personal Umbrella policy, but not by your primary policies.

There are so many variables to consider when choosing homeowners insurance. But Farmers Smart Plan Home® can simplify your decision with customizable packages! Call me today to learn more.

Subject to restrictions.

Frequently Asked Questions:

My Hardworking Team