SERVICES
Personal Insurance Coverage for Northeast Pennsylvania
From renting your first apartment to buying a home, adding a teenager to your policy to reviewing life coverage later in life — Carey Insurance Agency helps people at every stage find personal insurance coverage that fits where they actually are, not a package built for someone else.
Independent Means We Work for You
Most insurance websites you'll find in a search belong to captive agents — licensed representatives who sell for one carrier and one carrier only. Carey Insurance is independent. That means we evaluate multiple carriers, compare your options, and recommend coverage based on what fits your situation. If your current coverage has gaps or you're overpaying for what you have, a free review with Mark or Brian will show you exactly where you stand.
- Over 35 years serving personal insurance clients across northeast Pennsylvania
- Free quotes and same-day coverage reviews during business hours
- No pressure to bundle or upgrade — we tell you what you need and what you can skip
- Direct access to a licensed agent on every call, every time
Personal Insurance Coverage Options Through Carey
Each coverage type below has its own dedicated page with full details, Pennsylvania-specific guidance, and answers to the questions we hear most often. Find the situation that sounds most like yours and start there — or call us and we'll point you in the right direction.
Auto Insurance
Whether you're insuring your first car, adding a teen driver, or reviewing coverage on a vehicle you've had for years, Pennsylvania's auto insurance rules — including the limited versus full tort decision — affect what your policy actually does for you. We explain every option before anything gets signed.
Home Insurance
Just bought a home, or been in yours for years without reviewing the policy? We look at replacement cost coverage, liability limits, and exclusions that leave Pennsylvania homeowners exposed — before a claim surfaces the gaps.
Life Insurance
Term, whole life, and everything in between — life insurance decisions are easier to put off than to make. We walk northeast PA residents through the options in plain language, at any stage of life, without the pressure.
Renters Insurance
Renting your first apartment or relocating across the Scranton area? Your landlord's policy covers the building — not your belongings. Renters insurance is one of the most affordable coverage types available and one of the most overlooked.
Motorcycle Insurance
Standard auto policies don't cover motorcycles. Whether you ride seasonally or year-round, we'll make sure your bike is properly covered — including liability, collision, and accessory coverage if you need it.
Recreational Vehicle Insurance
ATVs, snowmobiles, campers, and other recreational vehicles carry their own liability and damage exposure. We cover recreational vehicles for clients across northeast Pennsylvania who use them seasonally and year-round.
Watercraft and Boat Insurance
A standard home insurance policy typically provides minimal coverage for watercraft — and nothing once a boat leaves your property. Dedicated watercraft coverage closes that gap for fishing boats, pontoons, and personal watercraft alike.
Serving Individuals and Families Across Northeast Pennsylvania
Carey Insurance Agency serves personal insurance clients throughout the Scranton–Wilkes-Barre corridor and surrounding communities. Whether you're in Avoca, Old Forge, Taylor, Moosic, or Dupont, you'll work directly with a local agent who knows this region and picks up the phone.
Frequently Asked Questions About Personal Insurance in Pennsylvania
What personal insurance do I need in Pennsylvania?
It depends on where you are in life. Pennsylvania law requires auto insurance for all registered drivers. Renters need a policy covering their belongings — a landlord's policy doesn't. Homeowners need property and liability coverage. Anyone with dependents should consider life insurance. A free consultation with our Avoca office is the fastest way to figure out what applies to your situation.
What is the difference between an independent insurance agent and a captive agent?
A captive agent represents a single carrier and can only offer that company's products. An independent agent like Carey Insurance works with multiple carriers, which means we can compare options and find coverage that fits your needs — not just what one company happens to sell.
Can I bundle auto and home insurance through Carey?
Yes. Bundling personal lines coverage is often cost-effective, and we can review whether a multi-policy discount makes sense for your specific coverage needs. That said, bundled doesn't always mean best — we'll compare the bundled rate against your alternatives before making a recommendation.
How do I know if my current personal insurance has gaps?
The most common gaps we find are in liability limits, replacement cost coverage on homes, and exclusions clients aren't aware of. A same-day policy review with Mark or Brian will identify any areas of exposure before they become a problem. Call 570-451-3808 to schedule one at no cost.
Does Carey Insurance serve clients outside of Avoca, PA?
Yes. We serve personal insurance clients throughout northeast Pennsylvania, including Scranton, Old Forge, Taylor, Moosic, Dupont, and the broader Lackawanna and Luzerne County region.