The Carbone Agency

The Carbone Agency Our goal is to deliver a more informed insurance consumer, to make better decisions on their needs. We are here to help, educate and improve.

Help you anyway we can, educate you on the coverage needed to properly protect yourself and your loved ones, and improve your current insurance even it that means not doing business with us. Disclosure: farme.rs/disclosure

"Do I have full coverage?"It’s one of the most common questions we hear—and one of the biggest myths in auto insurance.H...
07/16/2026

"Do I have full coverage?"

It’s one of the most common questions we hear—and one of the biggest myths in auto insurance.

Here’s the truth:

“Full coverage” isn’t a standard insurance policy. It can mean different things to different people and doesn’t guarantee protection for every situation.

The right coverage depends on your vehicle, your budget, and your risk tolerance.

Instead of asking,“Do I have full coverage?”

Ask: “Do I have the right coverage for my needs?”

At The Carbone Agency, we’re happy to review your policy and help you understand your options. Give us a call today 585-236-1060

Captive Agent or Independent Agent... what's the difference?Here's a question we hear all the time:"Aren't all insurance...
07/06/2026

Captive Agent or Independent Agent... what's the difference?

Here's a question we hear all the time:

"Aren't all insurance agents basically the same?"

Not exactly.

A captive agent represents one insurance company and offers that company's products.

An independent agent represents multiple insurance companies, allowing them to compare coverage options, pricing, and underwriting guidelines to help find the best fit for your situation.

Neither approach is "better" for everyone—both can provide excellent service. The difference is the number of options available.

At The Carbone Agency, we believe having choices matters because every family, home, and business has unique insurance needs.

What you don't see on your home insurance could cost you the most.Most homeowners know their insurance covers things lik...
06/29/2026

What you don't see on your home insurance could cost you the most.

Most homeowners know their insurance covers things like:
✅ Your home
✅ Your belongings
✅ Liability

But that's just the tip of the iceberg. 🧊

Hidden beneath the surface are coverages that can make the difference between a minor inconvenience and a major financial loss. Give us a call to review your coverage today. 585-236-1060

You might think you're getting a good deal on your auto insurance, but when was the last time you reviewed your policy? ...
06/24/2025

You might think you're getting a good deal on your auto insurance, but when was the last time you reviewed your policy? 🤔

🛑 Don’t let outdated coverage or overlooked discounts cost you hundreds each year.
✅ A quick review could mean better protection and more money in your pocket.

💬 Drop a comment or message us if you’re wondering,
"Am I really getting all the discounts I deserve?"
Let’s take a look together—no pressure, just clarity.

Do you have enough Personal Injury Protection (PIP) coverage? Accidents happen fast—medical bills pile up even faster. P...
06/18/2025

Do you have enough Personal Injury Protection (PIP) coverage?
Accidents happen fast—medical bills pile up even faster. PIP helps cover medical expenses, lost wages, and more—no matter who’s at fault. Let’s make sure you’re properly protected before you need it, give us a call today. 585-236-1060

To have proper coverage on certain personal property items, they need to be insured separately. Let's review your polic...
06/03/2025

To have proper coverage on certain personal property items, they need to be insured separately. Let's review your policy to ensure these personal treasures are covered. Give us a call to learn more 585-236-1060

Did you know that most homeowners' policies provide limited coverage for detached structures on your property? If you're...
05/29/2025

Did you know that most homeowners' policies provide limited coverage for detached structures on your property? If you're unsure about your current coverage, give us a call today for a complimentary review. Reach us at 585-236-1060.

Even if you know what your limits of liability are do you understand how they work for you? Let's make sure your assets...
05/15/2025

Even if you know what your limits of liability are do you understand how they work for you? Let's make sure your assets and income are protected! Give us a call for a review today, 585-236-1060.

Think your home insurance has enough coverage? Some policies include an extra cushion of protection—some don’t. There’s ...
05/12/2025

Think your home insurance has enough coverage? Some policies include an extra cushion of protection—some don’t. There’s even an option for an unlimited cushion of coverage. Let’s take a look at your policy today! Call 585-236-1060.

Address

1130 Crosspointe Lane St 9A
Webster, NY
14580

Opening Hours

Monday 8am - 7pm
Tuesday 7:30am - 5pm
Wednesday 8am - 7pm
Thursday 9am - 5pm
Friday 8am - 4pm

Telephone

+15852361060

Website

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