About Us

At Carpenter & Associates Insuring Agency LLC, our biggest focus is providing you exceptional customer service every step of the way. Our office in Chestertown serves all of upstate New York and provides customized insurance policies from a wide array of top carriers. No matter your budget or your individual situation, our family-owned agency is committed to helping you find the perfect policy to fit your needs. Carpenter & Associates Insuring Agency LLC is an expert in providing auto, home, business, and life insurance that can help you rest easy knowing that you and your livelihood are protected. Contact us today for a quote and to learn how we can help you achieve your insurance goals!

An Independent Advantage

We are Independent Agents in Chestertown, New York, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Carpenter & Associates Insuring Agency LLC represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.