State Farm® Insurance Agent Jim Goldsworthy

"Kris Ragsdale is the lady who manages all my policies with the State Farm agency in Whitesboro. She is very knowledgeable about all the contracts for coverage, efficient, and helpful. But even more important, she takes a genuine interest in her customer’s needs, and searches for any discounts that can be applied. She could not be a nicer lady, nor a more competent professional."

"AMAZING... He was helpful in every single way I couldn't have asked for a smoother absolutely totally informative insurance experience"

"Thanks to Kris, i decided to switch to State Farm! I was being charged over $500 for full coverage insurance at my previous insurer—Kris cut that in half! She’s amazing! Thank you guys ❤️"

"I switched over to State Farm recently and have had nothing but a great experience with the people at this office. After my recent renewal, I had a few questions and Kris was so helpful in addressing everything. Highly Recommend"

"Worst insurance company ever!!!!!!! I have lived in nine different states and even a few other countries and this by far is the worst insurance company I have ever dealt with. First they underinsured me, and now due to the pandemic and the tariff wars they are refusing to give me an extension on the claim. They owe me 24,522.20 I have a couple years of documentation, recorded conversations I will be posting along with the full story on how disgusting State Farm has treated me and my family the last couple of years. Also I found this wonderful resource called united policyholders I’ll be posting information from them to help policyholders from being taken advantage of from a system that’s not a level playing field. Remedies for the underinsured include negotiation, litigation, mediation, confidential settlements . In some cases, policy limits get retroactivey reformed to what they should have been in the first place, and the policyholder pays the difference in premium. Most underinsurance cases that are successfully resolved for the policyholder are settled confidentially so there is no record or public viewing of the outcome. Why do insurance companies consistently underinsure people's assets? Insurance companies compete for your business and know three things: 1) Most consumers want to pay as little as possible for insurance, and 2) A fast sale is the best sale, and 3) Most homeowners know only very basic info about their homes. Insurance companies want your business. They know total losses are very rare. Most people never have one. So to close sales quickly, they chronically undervalue dwellings and gamble you'll never have a (rare) total loss and find out you're underinsured. And, they know that if you do have a total loss and find out you're underinsured, you will have a hard time winning if you sue them. This scenario has been repeating over and over. Disaster survivors and their communities pay the price. Yet until the consumer has a total loss, they are living with a false sense of security about the adequacy of their coverage. At the point of sale, insurance companies and their sales reps are the ones setting the policy limits. They are the experts, they hold themselves out as the experts. Consumers reasonably rely on their insurers/agents to handle the transaction competantly. In almost every case, an insurer or agent asks a few questions about the property, inputs the answers into a software program and it spits out a policy quote. They issue the policy and cash the premium checks. But when policyholders come up short, suddenly its not their problem. Suddenly history is revised and the customer was the insurance expert. Absurd. Shouldn't the consumer be able to rely on the expertise of an insurance company and its sales agents? UP certainly thinks so. And we've argued exactly that time and time again in courts, legislatures and the media. Would you buy insurance from a professional that told you they couldn't make an insurance recommendation? Again, absurd. Why does this scenario keep repeating when UP and so many disaster survivors are speaking out about it in the media, courts and legislatures? The reason this scenario keeps repeating is there is what we call a "legal fiction." Law based on a story that keeps getting told that just isn't true. The fiction that the property owner sets their own policy limit. That is false, yet courts routinely rule in favor of insurance companies and agents on this point. Insurers paint a rosy picture in ads that tout their expertise and honor: "We'll put you back where you belong" They label their products "Deluxe Home Replacement Policy." With regard to responsibility for setting adequate insurance limits, LAW DOES NOT REFLECT REALITY. Reality is, insurers do the math and set policy limits. Reality is insurers know what it costs to repair and rebuild homes - that's the business they're in. Our laws need to change, and UP is working toward that goal. Better business Bureau website states State Farm is not accredited. They are evil."

"I had a great experience with them. Greg helped me immidiately with the best quote possible and all this process was quick. Kudos"

"Theresa is the person to talk to about all your Auto, home, or rental insurance needs in Whitesboro! They take great care of our family and we highly recommend them! :)"

"Kris was wonderful and quickly sent me multiple quotes over the phone and was able to get me into an amazing insurance policy!"

"I have both my home and vechicle insurance with Mr. Headrick and find his attention to detail and customer service a 5 star service. I make a point of reccomending him to friends and family, and look forward to many years of doing business with him."

"Everyone with this group has been amazing from getting the insurance setting up to complete my payments. For a first time car buyer they made insurance the easiest part."

"My family has been with State Farm for years. They always answer my many questions and are so genuine and kind!"

"My family and I LOVE the office in Whitesboro! We’ve moved to another town and insist on using this office. Theresa is absolutely amazing! We refuse to deal with any other office!"

"Greg checked on my coverage and answered my questions. This.is the type of review I like to get. Very inclusive and quick. Thank you Gregory!"

"I recently switched over to State Farm insurance and the people here are so nice. I always feel welcome and they are always quick to respond to any questions or concerns. Would recommend to anybody!"

"Excellent customer service, extremely accommodating."

"Everyone in the office is nice and very helpful. They help me every time I have call and ask"

"Exceptional service all around but especially love working with the folks in the Whitesboro office! Theresa is awesome!"

"Well I had a great experience. I called and got a quote and within just minutes I had great insurance. The staff was so helpful and very professional! I'm happy with the outcome. Very friendly staff. So happy!"

"Great customer service! Always so friendly and kind."

"We had a very complicated business/homeowners insurance situation that Kris at Jim Goldworthy’s Office navigated with us with grace. We highly recommend them for all your home/auto/business insurance."

"Kris was great to work with. Received competitive quotes for auto and homes."

"Mrs. Stephanie helped me get exactly what I needed. I popped in an got my needs met quickly and professionally. I highly recommend this agency."

"Gotta auto insurance quote . . . $1,560 every six months. In a nutshell, RIDICULOUS. My current provider charges $575 every six months. Guess which I chose?"

"My wife and I plan on going sometime mid next week. The lady who answered the phone was really nice and helpful."

"Stephanie was incredibly helpful in setting up my policy! Highly recommend."