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Toby Wishard
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Farmers Insurance Agent in Watertown, SD

Toby Wishard

8:00 AM - 5:00 PM 8:00 AM - 5:00 PM 8:00 AM - 5:00 PM 8:00 AM - 5:00 PM 8:00 AM - 5:00 PMClosed Today Closed Today
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Location info
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922 W Kemp Ave
Watertown, SD 57201
Office hours
Day of the WeekHours
Monday8:00 AM - 5:00 PM
Tuesday8:00 AM - 5:00 PM
Wednesday8:00 AM - 5:00 PM
Thursday8:00 AM - 5:00 PM
Friday8:00 AM - 5:00 PM

About Toby Wishard

Born and raised in Florence, SD, I am proud to serve as your local Farmers® agent in Watertown. I am dedicated to educating customers like you on insurance, so we can work together to find the coverage that best fits your lifestyle needs- and adapt your polices overtime to change with your life. With over 20 years of experience in law enforcement, I know risk and have witness loss, which gives me insight to help protect what matters most to you. Located at the intersection of Kemp ave and Highway 20, across from Subway, I will ensure that this process is straightforward and personalized to help you select the most comprehensive, cost-effective solution. I have the knowledge and expertise to help you better understand your coverage options -- whether that's home, auto, business, farm insurance and more. Stop by my office today to get started!

Give me a call at (605) 882-5773 and I'll be happy to answer any questions you might have.


Languages spoken: English


BS Criminal Justice Studies, University of South Dakota

Neighborhoods Served

Florence, Wallace, Henry, Clark, and Clear Lake

States licensed in


Insurance products offered

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Auto Insurance
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Home Insurance
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Life Insurance1
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No two companies are exactly alike. That’s why you can build a customized Farmers business insurance policy with options that provide coverage for your specific needs and challenges. Call me today to learn more.

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.


Here at our agency, work with Child Protective Services and Lutheran Church of Our Redeemer, to provide emergency supplies for children taken into foster care. If you have anything that may be helpful, please drop off at our office at 922 W Kemp, or text (605) 520-4575. If after hours, one of us will meet you at the office.

  • Member of Rotary
  • Past Council
  • VP of Lutheran Church of Our Redeemer

Help replace the income that makes your goals possible. Life insurance can be a key part of helping you protect your loved ones’ financial future.

PWS LD-04 10/17

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.

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