About Us
Independent Guidance. Personal Service.
Real Protection.
At The Carbone Agency, our mission is simple: help you protect what matters most with clarity and confidence.
Insurance can feel complex and impersonal. We believe it shouldn’t be. That’s why we take the time to understand your unique needs, evaluate your options carefully, and guide you toward coverage that truly protects your life, your family, and your business.
As an independent agency, our responsibility is to you — not to any single insurance company. Our role is to advocate for your best interests every step of the way.
Guided by Experience. Driven by Responsibility.
The Carbone Agency is led by Michael Carbone, who built the agency on the belief that insurance should be personal, transparent, and rooted in trust. With years of experience serving individuals, families, and businesses throughout Webster and the greater Rochester area, Michael understands that insurance is more than a policy. Every client relationship is built on honest guidance, thoughtful recommendations, and long-term support, with a clear focus on providing protection and confidence..
Michael Carbone
Agency Owner
An Independent Advantage
As an independent insurance agency, we work with multiple highly rated insurance carriers, allowing us to recommend coverage based entirely on your specific needs rather than the limitations of a single provider. Our responsibility is to represent you by comparing options objectively, helping you find the right balance of protection, coverage, and cost, and advocating for you if a claim ever arises. We also serve as your long term advisor, helping you review and adjust your coverage as your life, family, or business changes. Our role is to simplify the process, remove uncertainty, and give you confidence that you have the right protection in place both now and in the future.
Insurance Built Around Your Life
Every person, family, and business faces different risks and priorities, which is why we take the time to understand your situation before making recommendations. This allows us to provide coverage tailored to your specific needs rather than one size fits all policies. Whether you need personal insurance, business coverage, or both, we offer clear, practical guidance to help you make informed decisions and feel confident that you have the right protection in place.
The Carbone Agency Difference
Advocates First
We work for you, not the insurance companies. Our responsibility is to protect your best interests and ensure you receive the coverage and support you deserve.
Clarity and Guidance
Insurance should never feel confusing. We explain your options clearly so you can make confident, informed decisions.
Personal Relationships
We believe in long-term relationships, not transactions. Our clients know they can rely on us for guidance whenever their needs change.
Protection That Fits Your Life
No two clients are the same. Every recommendation is tailored specifically to your situation, goals, and priorities.
Customer Reviews
I got connected with Mike as I was looking for homeowner’s insurance. He found me a fantastic policy and auto insurance to go along with it. Mike made the whole process extremely quick and painless. I would highly recommend working with him.
EVAN C.
Mike at the Carbone Agency was amazing to work with. He was very helpful and knowledgeable about reviewing my existing policy and my Business needs to identify any potential gaps or risks that needed to be addressed. Then he built a coverage plan around the specific business needs which actually increased my coverage/protection and also cut my costs. I can't thank Mike and the Carbone Agency for such a an awesome and refreshing experience.
JEFF L.
We switched our auto, home and boat insurance. We met with Mike who was very helpful and thorough.
JOANNE D.
Mike Carbone is very detail-oriented and helpful any time we need to renew, add onto the policy or have a claim. I highly recommend The Carbone Agency if you want proper coverage at a great price!
BONNIE P.
Quick, friendly & efficient service! I recommend this company to all.
SANDRA S.