John Karluk

I am John Karluk, your local State Farm Agent, serving Binghamton and the surrounding communities with pride. My professional path has always centered on leadership, community engagement, and empowering people to make confident choices. I am a U.S. Army veteran, a proud graduate of Binghamton High School, and also a local business owner here in the city. My family is deeply committed to service, with my wife working as a Binghamton Firefighter and a local lacrosse coach.

My team and I are dedicated to assisting you across various aspects of your life, from protecting your first car with auto insurance to safeguarding your home, or securing your future goals with life insurance. We also provide individualized renters and business insurance options. Whether you are buying your first home, launching a new venture, or simply ensuring your family is properly covered, our aim is to make the process straightforward, honest, and truly personal.

I believe that discussing insurance should feel like a genuine conversation with someone who genuinely cares. My commitment to this community runs deep, and my goal is to build lasting relationships with customers, deliver the protection you need, and be a reliable resource when life happens.

Outside the office, you will often find me enjoying the wooded fairways of a golf course, spending quality time with my family, cheering on sports, or simply finding a way to share a laugh.

We welcome you to connect with us by stopping by, calling, texting, or emailing at your convenience to explore how we can help protect what matters most to you.