Independent insurance. A personal connection.Oregon City, Oregon · (503) 956-1640

FARMS. FAMILIES. BUSINESSES.

The life you’ve built.
The details
that protect it.

Thoughtful insurance starts with someone who takes the time to understand your world.

Sydney Charleston
Owner, The Charleston Agency
Red farm buildings in a green valley with mountains rising behind them
A LITTLE MORE UNDERSTANDING.A lot more personal.
ROOTED IN THE WEST

Oregon · Washington · Idaho · California

MULTIPLE CARRIERS. ONE RELATIONSHIP.

AN INDEPENDENT AGENCY. A CLOSER LOOK.

Insurance should fit
the way you live.

Your farm is more than an address. Your business is more than a building. Your family is more than a policy.

I’m Sydney Charleston. I work with multiple insurance carriers and look closely at the details of your coverage, so we can explore options that make sense for your property, your operation and your priorities.

A little more about my approach
Barns and pasture beneath a mountain rangeTHE DETAILS DESERVE A SECOND LOOK.

MORE THAN A RENEWAL NOTICE

A policy deserves
a closer look.

Coverage can drift as buildings, equipment and operations change. My reviews start with the details that are easy to carry forward—and important to revisit.

01

Building limits

Review replacement-cost estimates for large commercial buildings, specialty barns and other structures alongside policy valuation terms.

02

Machinery & inventory

Revisit equipment values and eligible hay or harvested-crop inventory as your needs change.

03

Choices across carriers

Compare available coverage and pricing with the needs of your operation in mind.

See our building-valuation approach
Sydney CharlestonHello, I’m Sydney.

YOUR AGENT. YOUR DIRECT CONNECTION.

Someone who knows
what to ask.

I’ve visited over a hundred farms and spent thousands of hours in the field and writing insurance policies. I inspect properties, identify potential risks and audit building limits with an understanding of building components and how each operation works.

I care about my clients and the work I do. That means listening, asking questions and giving close attention to the details behind your coverage. Based in Oregon City, I serve Oregon, Washington, Idaho and California.

Get to know Sydney

A CLEAR WAY FORWARD

Start with a conversation.

01 / SHARE

Tell me what’s changed.

A new property, upcoming renewal, growing herd or a question about your current policy.

02 / REVIEW

Look at the details.

We’ll review your priorities, current information and available coverage options.

03 / DECIDE

Choose your next step.

I’ll explain the options and coordinate any applications or changes you authorize.

PROTECT THIS GENERATION. PLAN FOR THE NEXT.

The life you’re building.
The legacy you want to leave.

Indexed universal life insurance can combine a death benefit with potential cash-value accumulation. We can explore how it may fit your family’s long-term protection, wealth and succession goals.

Learn about tax-deferred growth, generally income-tax-free death benefits, and the funding and access rules that affect those advantages.

Explore IUL, wealth & legacy planning

Indexed strategies offer guaranteed interest-crediting floors that protect against negative index-based credits. Policy charges, loans and withdrawals still affect cash value. Guarantees depend on the policy and issuing insurer.

A GOOD CONVERSATION CHANGES THINGS

Let’s take a closer look
at your insurance.

A new property. A changing operation. A renewal that needs a second look.
Tell me what’s on your mind, and we’ll start there.