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Your Local Chestertown Independent Insurance Agency

Carpenter & Associates Insuring Agency LLC specializes in auto, home, business, commercial, and life insurance.

Carpenter & Associates Insuring Agency LLC is your local Chestertown, New York source for insurance policies that are tailored to your needs. Our family-owned agency is committed to helping you find the perfect policy for your budget and situation. Whether you are looking for auto, home, business, or life insurance, our agents will work with a variety of top carriers to find the coverage that works for you. Contact us today for a quote and to learn how we can help you achieve your insurance goals!

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Auto Insurance

Paying too much for auto insurance? With our flexible coverage options and expert service, you’ll know your vehicle is getting the best protection.
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Home Insurance

Your home is your greatest investment, but you shouldn’t have to break the bank to insure it. Find out how much we can save you on your policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about insurance needs. Let us find the best coverage at the best rates for you.
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Recent News & Updates

Options to Consider When Your Term Life Insurance Expires

Posted: April 22, 2025

Life insurance provides invaluable protection for your loved ones, but what happens when your term life insurance policy reaches the end of its coverage period? If you’re approaching expiration, you still have options to maintain financial security for your family. Understanding these choices can help you make the best decision for your circumstances. Renew Your Existing Term Policy Many insurance providers allow policyholders to renew...

When Should Small Business Owners Switch Insurance Companies?

Posted: April 19, 2025

Managing a small business comes with endless challenges—and great rewards. One of the main issues is keeping your overhead as low as possible. The cost of your business insurance should be reviewed yearly—savings could be possible. If you’ve been with the same insurance provider for years, you might assume you’re getting the best deal—but are you? Switching insurance companies can improve coverage, lower costs, and...

The Hidden Costs of Skipping Insurance

Posted: April 16, 2025

This April is the 22nd anniversary of Financial Literacy Month, a time that inspires us to secure our future with sound financial planning, budgeting, saving, and investing. It’s an excellent opportunity to improve your financial education and be more secure in your goals. For example, many people are unaware of the hidden costs of skipping insurance, making them financially vulnerable. Why Consider the Cost of...

6 Reasons Why Water Heaters Fail

Posted: April 8, 2025

It’s no fun going without hot water. That’s especially true when the seasons change and temperatures take a dip. But like nearly every otherappliance in your house, water heaters fail. And that can lead to cold showers — or even worse, a water leak. Here are 6 telltale signs you have a failing water heater: You only have cold water. Your water gets warm, but never hot....

Specializing In Erie Insurance

Erie Insurance has been helping customers since 1925 with their auto, home, business, and life insurance needs.
Click here to get an auto insurance quote with Erie Insurance "ERIE Auto Insurance Quote" (opens in new tab)
Click here to pay your Erie Insurance bill "ERIE Pay Your Bill" (opens in new tab)
Click here to use the Erie Insurance Life Insurance Calculator "ERIE Life Insurance Calculator" (opens in new tab)

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