Karen Cole

Karen Cole – Your State Farm Insurance Agent in Camp Verde, AZ

Goodbye to 2025 as we welcome in the New Year, 2026! I am never sure where the years go. We have no snow, but please be extra careful with wet, or icy roads. The start of a new year is a great time to review your coverage to be sure your family is protected, so there will be no surprises. As with every month, we are here to provide clear, dependable guidance on Auto Insurance, Homeowners Insurance, Renters Insurance, Life Insurance, Business Insurance, and more. For friendly local service, call, text, or email my office today.

Local Insurance for Camp Verde & Northern Arizona Families

If you’re looking for an experienced insurance agent and licensed team members in Camp Verde, Sedona, Cottonwood, or surrounding Arizona communities, my office is here to help you protect what matters most—your home, your car, your family, and your business.

Camp Verde is home to just over 12,000 residents and part of the Verde Valley community known for small-town connection and outdoor adventure. Families, retirees, and local business owners all deserve insurance coverage that reflects their everyday needs, from reliable auto protection to property coverage and life insurance.

Our Most Popular Insurance Services

🚗 Auto Insurance for Arizona Drivers Coverage for your personal vehicle, daily driving, and even rental cars when you travel.

❤️ Life Insurance to Protect Your Family As we begin a new year, take time to review your family’s financial security with life insurance—helping with income replacement, debt coverage, or education options.

🏠 Homeowners & Renters Insurance in Camp Verde and the entire Verde Valley. Protect your belongings and living space from fire, theft, or damage.

🏢 Business Insurance for Local Owners Commercial property, liability, and workers comp coverage personalized to Northern Arizona’s businesses.

🚤 Boats, RVs & Recreation Insurance Coverage for boats, campers, trailers, and recreational vehicles so you can enjoy Arizona’s great outdoors with confidence. We are lucky to be able to use our toys and recreational vehicles most of the year in Arizona.

Why Bundling Insurance Saves Arizona Families More

Bundling your Auto and Home Insurance with State Farm can help you save.

For busy families in Northern Arizona, bundling means: ● One point of contact for claims and support ● Simplified billing with a lower combined cost ● Coordinated protection across policies. We have a licensed, full-time team in the office every day to guide you in your decision making.

About Karen

I have proudly served Camp Verde and surrounding Arizona communities since 1985. A graduate of the University of Michigan, I built my agency on the values of education, service, and community connection.

We are committed to properly insuring our policyholders, and helping them understand the changing world of insurance.

Our world is evolving on a regular basis, and weather events are happening with greater frequency and larger impact. This can affect the ability to purchase insurance and to find it affordably. Our trained, licensed team is there to help you navigate these new complexities by patiently explaining things in easily-understandable terms, giving you the time you need, and answering your questions.

Over the years, I’ve helped countless families with Auto, Home, Life, and Business Insurance. I also provide coverage for boats, RVs, recreational vehicles, and both short- and long-term rental properties.

I’ve been married to my husband, Dr. David Cole, since 2019, and together we enjoy the close-knit life of our Camp Verde community.

I also enjoy being an active part of local organizations:

• Camp Verde Chamber of Commerce member

• Founding member of the Professional Women’s Group

• Past President of NAWBO (National Association of Women Business Owners)

• Current member of Sedona Referrals Club

• Avid karaoke singer

• Proud mom and stepmom to 5 amazing young adults

Meet the Team

At Karen Cole State Farm, our team makes insurance simple and straightforward. We’re here to explain your options, answer questions, and help you feel prepared—whether you’re at home, on the road, or traveling.

With 24/7 support and a welcoming office in Camp Verde, you’ll always find real people who care about your needs.

How to Get Started with Karen Cole State Farm Insurance

• Connect with Us – Call, text, or stop by our Camp Verde office.

• Review Current Policies – We’ll look for any gaps or overlaps.

• Customize Your Plan – Options for your family, home, or business.

• Stay Protected – Annual reviews keep your coverage up to date.

Why Choosing a Local Agent Matters in 2026 and Beyond

Working with a local agent like me means more than just buying a policy—it’s about having someone who understands Camp Verde and Northern Arizona. We have a licensed, full-time team to help you.

● Preparedness Matters – With changing weather patterns, this is the perfect time to review Auto, Home, and Renters Insurance. ● Family Focus – Remember the importance of protecting your loved ones. If you have not reviewed your beneficiaries lately, don't delay. ● Community Involvement – 40 years of service and leadership in local organizations. Karen has spoken with real estate agencies, title companies, community organizations, and our local supervisor's Town Hall about fire safety and preparedness. Call her if you need her to speak at your event. ● Personalized Service – Clear guidance and dependable support for your family’s needs.

👉 This month, let’s review your coverage together. Call, visit, or request a free insurance quote today and see why families in Camp Verde, Sedona, and across Northern Arizona choose Karen Cole State Farm. And remember: Having insurance is not the same as having State Farm.