Whitworth Horn and Goetten Insurance Agency
Golden-hour sunset over open farm country, the rural communities Whitworth Horn and Goetten serves

Independent · Jerseyville & Carrollton, IL · Since 1977

Insurance that works for you, not one company.

We shop many top-rated companies to cover your family, your farm, and your business, at no extra cost to you. Real local people who answer the phone, right here since 1977.

Call (618) 498-5508 Get a quote

5.0 on Google Member, Jersey County Business Association

What we cover

One local agency for everything you need to protect.

Whitworth Horn and Goetten Insurance Agency is an independent, multi-carrier agency in Jerseyville and Carrollton, Illinois, serving Jersey and Greene County since 1977. Because we are independent, we shop many companies for you at no extra cost, and crop insurance for local corn and soybean growers is our specialty.

Our specialty

Crop Insurance

Multi-peril crop (MPCI) and crop-hail for Jersey and Greene County corn and soybean growers. We handle your coverage and your claim.

Crop insurance →

Farm & Commercial

Farm buildings, equipment, and liability, plus coverage for the shops and small businesses that keep the county running.

Farm & commercial →

Home & Auto

Auto, home, and umbrella coverage, shopped across companies so a rate hike does not leave you stuck with one carrier.

Home & auto →

Health & Life

Medicare, individual health for the self-employed, and life insurance, explained plainly by a local advisor you already trust.

Health & life →

Our specialty · Crop insurance

The price is the same at every agent. So the only real choice is who handles it.

Federal crop insurance premiums are set by the USDA Risk Management Agency, identical no matter who writes your policy. What is not the same is the person behind it. We keep your APH accurate, file your acreage report on time, structure your coverage before the deadline, and answer the phone when a storm flattens a field. Since 1977, on the same ground you farm.

Talk to a crop specialist
March 15Sales-closing date for Illinois corn and soybeans
MPCI + crop-hailThe federal program, plus dollar-one hail coverage on top
One callYour agent handles the claim, start to finish

Why independent matters

A captive agent sells one company. We shop the whole shelf.

Most agents around here can only sell you their one company’s policy. As an independent agency, we compare many top-rated carriers and move you to the one that actually fits, at no extra cost to you.

A captive agent

  • Sells one company’s policies, and only that company’s.
  • Cannot move you when your rate jumps at renewal.
  • Often cannot write crop or farm coverage at all.

Whitworth Horn and Goetten

  • Shops many top-rated companies for you.
  • Moves you when a better fit comes along.
  • Crop and farm coverage is our specialty.
  • Costs you nothing extra. A real person answers.
The Whitworth Horn and Goetten insurance team, Jerseyville and Carrollton, Illinois
Bob, Lisa, Bert, and the crew · Jerseyville & Carrollton

Since 1977

Bob bought the agency in 1977. We still run it the same way.

We are Bob Whitworth, Lisa Wittman, Bert, and the rest of the crew.

We kept the Horn and Goetten names because that is who we are: a continuation of forty years of downtown Jerseyville insurance work that came before us. We are not a call center. We are the folks you see at the Jersey County Business Association, the ones who know what crop insurance means in Greene and Jersey counties. Bert came home from Iraq in 2008 and has been helping neighbors protect what they have built ever since.

More about the agency →

  1. 1930sThe Horn Insurance Agency opens in downtown Jerseyville.
  2. 1977Bob Whitworth buys Horn and forms Whitworth Horn and Goetten.
  3. 2008Bert joins the team after serving in Iraq.
  4. TodayTwo offices, real people, and the same neighbor-to-neighbor way of working.
When you call, a real person answers. When you have a question, we talk it through. We have been doing this since 1977, and we will keep doing it the same way.

Bob Whitworth, President

5.0★4 Google reviews
1977Serving Jersey County
2 officesJerseyville & Carrollton
IndependentWe shop many companies

Common questions

Answers before you call.

Does it cost more to use a local agent instead of buying online?
No. You pay the same premium either way, because the insurance company builds the agent’s commission into its own budget. Working with Whitworth Horn and Goetten costs you nothing extra, and you get a real local person who shops several companies and handles your claim instead of a call center.
What is the difference between an independent agent and a captive agent like State Farm or COUNTRY Financial?
A captive agent can only sell one company’s policies. Whitworth Horn and Goetten is independent, so the agency compares many top-rated carriers and can move you to a better fit if your rate jumps. Independence is also why an independent agent can write crop and farm coverage a captive often cannot.
Who sells crop insurance near Jerseyville, IL?
Whitworth Horn and Goetten Insurance Agency writes multi-peril crop insurance and crop-hail for corn and soybean growers across Jersey and Greene County, from offices in Jerseyville and Carrollton. Crop insurance is the agency’s specialty. Call (618) 498-5508 to talk with a local crop agent who knows the ground you farm.
When is the crop insurance deadline in Illinois for corn and soybeans?
March 15 is the annual sales-closing date to buy, change, or cancel federal crop insurance on Illinois corn and soybeans. After that date, coverage decisions are locked for the season. Call Whitworth Horn and Goetten well before March 15 so there is time to structure your coverage the right way.
What is the difference between crop-hail and multi-peril crop insurance?
Multi-peril crop insurance (MPCI) is the federal program that covers broad yield and revenue losses across the season. Crop-hail is a separate, private policy that covers hail and fire damage acre by acre with no large deductible, and it can be added almost any time. Many growers carry both, and we help you fit them together.
Should I bundle my home and auto insurance?
Bundling home and auto usually earns a multi-policy discount and makes claims simpler. Because Whitworth Horn and Goetten is independent, the agency can bundle across several companies to find the best combined price instead of one company’s bundle. Call (618) 498-5508 and we will compare your options.

Let’s find the right coverage for you.

Call either office and a real person picks up, or send a note and we will get back to you. No runaround, no pressure.

Call (618) 498-5508 Get a quote

Jerseyville & Carrollton, Illinois · Serving Jersey and Greene County since 1977

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