John Karluk

I'm John Karluk, your local State Farm Agent, and I'm proud to serve Binghamton and the surrounding communities.

Before opening my agency, I built my career around leadership, community, and helping people make confident decisions. I'm also a U.S. Army veteran, graduate of Binghamton High School, and a local business owner. My family loves to serve, and my wife is a Binghamton Firefighter and a local lacrosse coach.

My team is here to serve you as well, and help in all walks of life from auto, home, life, renters, business insurance and financial services. Whether you are buying your first car, protecting your home, starting a business, looking forward to future goals, or just trying to make sure your family is properly covered, my team and I are here to make the process simple, honest, and personal.

I believe insurance should feel less confusing and more like a conversation with someone who cares. I care deeply about my community, and my goal is to establish relationships with customers, provide the protection you need, and to be here when life happens.

When I'm not in the office, you can usually find me in the wooded areas of a golf course, spending time with family, watching sports, or finding a way to make someone laugh.

Stop by, call, text, or email us anytime. We'd love the opportunity to meet you and help protect what matters most.

Your landlord’s insurance likely covers only the building itself but not your belongings or your liability for accidents, but you can protect yourself with renters' insurance from State Farm.