State Farm® Insurance Agent Kim Nybo

"Originally had a great experience in 2023 getting set up for business insurance with agent Nicholas. I'm a freelance/contract designer renting an office space for remote work, so I had to have business insurance but didn't need a full Business Owner Policy with coverage for employees or anything like that, and Nicholas worked with me to customize a policy that fit my needs. 5 stars for that experience. As I approached my policy renewal date, however, I needed to change to a new office location, and it was extremely difficult to get help. Nicholas seems to no longer work there, so I spoke to Jonathan, asked what information he needed about the move, and was told he'd look at the info and put together a quote to see if the new location would require any changes to the policy. Days went by. I called back; someone told me they were having tech issues with their underwriting system and they'd get back to me. A few more days. I call back. Their office manager says Jonathan isn't available but even her computer is having tech issues so it might still be that. A few more days. Jonathan calls and says he must have sent the info for updating my policy to the wrong email. A few more days go by, and having received no further info or communications, I call a different State Farm agency to transfer my policy. I call and ask if Kim Nybo State Farm can put a hold on my renewal payment while I transfer, which by this time is coming due (I started talking with them about the move about a month in advance for this reason). Jonathan calls me, sounding annoyed, saying he was almost done putting together the policy updates. Funny, that's the first I'm hearing about it. Now they're hounding me daily with payment reminders even though I've already told them I'm switching agencies, saying the location change shouldn't change my policy "that much" and I should just pay - pay to renew a policy that might change, but they can't tell me by how much. In their email, they asked me to give them a review, and here it is: They won't proactively communicate with you until they want to get paid - and for insurance, you want to know that your agent is someone you can trust to follow up if you do have a claim. Somehow their tech systems don't work well enough to quote your policy changes, but they can certainly tell you how much you owe them. I don't know what's changed since 2023, but as of April 2024, they went from a 5 star experience to a 1 star experience so you're seeing the average in my review."

"My partner and I are in the process of moving and as a result I have been working with agent Derek Heartman. It has been great to work with him and honestly it likely has kept us as State Farm members. I appreciate his responsiveness and willingness to work with us during this stressful time of transitioning states."

"My current car insurance went up so I decided to do some insurance shopping. I explained to Derek my current situation and he walked me through what every option meant and gave me the lowest possible rate that State Farm could provide. He seemed super knowledgeable, friendly, and most importantly he was transparent about what the best path forward was. Highly recommend working with him!"

"We were in search of a new Insurance Company and were fortunate that Derek Heartman answered the phone at Kym Nybo State Farm Insurance Office. Derek was able to help us put together a policy that best fit us for both our home, cars and RV. He was very professional and answered all our questions and concerns in regard to the options State Farm had to offer. We would highly recommend Derek if you're looking to update or just have questions about your insurance needs."

"I have used State Farm for my auto insurance for years and they have been great. They are always available when I need them with any questions or concerns I have had. I have recently reached out to the Kim Nybo agent and talked with John and Derrek and they were great. I needed home owners insurance and they walked me through everything, they were very responsive and just Kind. Kind is rare these days and it was a breath of fresh air talking with the team. Thanks guys for the great service :)"

"Working with Derek Heartman has been a great experience. His attitude for helping people, and putting their concerns first, is extraordinary, and sets him apart from most other professionals that I’ve worked with in the past. I wish him the best in his business endeavors. He deserves it!! Thanks so much, Best regards, Rocky Nordquist"

"I had the pleasure of working with Derek and John on my insurance needs. I called in to talk with Derek as I had previously been working with him. John was so professional and nice on the phone. When working with derek he is always thorough and friendly. Both of them had great energy and seemed to enjoy their work."

"Jonathan Westerman is an incredible State Farm agent, incredibly flexible and a great person to talk to about any needs regarding insurance. Made the whole process super smooth and helpful for anyone, first timers and seasoned veterans alike. Highly recommend Kim Nybo’s team especially Jonathan Westerman."

"I really appreciate the pro-active staff that reaches out to review my policies and make great recommendations on what has changed in the industry that I need to consider for those "when it happens" situations. I wouldn't do business anywhere else. The staff is so responsive and makes insurance easy!"

"Just moved to the area recently and changed over to this agent. I came in hoping to save some extra money every month since premiums sky rocket due to the city life. Derek was very helpful and informative with ways I could bundle and save with renters insurance! Great experience! Thanks again Kim and Derek!"

"I worked with Derek on choosing auto insurance policies. He was prompt with feedback and gave me all the appropriate options, highlighting the positives and drawbacks for each option. I was able to choose what worked well for me with confidence. His overall demeanor was happy and helpful. A+ experience."