Serving the Communities We’ve Grown with Since 1959.

Comprehensive insurance solutions for local families & businesses

Meet Our TeamInsurance Quote
Varano Insurance Agency, Inc.

Serving the Communities We’ve Grown with Since 1959

Comprehensive insurance solutions for local families & businesses.

Meet Our TeamInsurance Quote

Mount Carmel


About Varano Insurance Agency, Inc.

Since 1959, our two offices have been serving clients in Northumberland County, Schuylkill County, Columbia County and Montour County, PA.

Proud To Be Family Owned & Operated

As a second-generation agency, we are just as dedicated to serving local families and businesses today as we were 60 years ago. And our commitment to helping our clients find the insurance policies that work for them has never changed, either.

Proud to Be Independent

We understand that no two families or businesses are alike and that your insurance coverage should be just as unique. As an independent insurance agency, we have the options and the expertise to help you get the coverage you can count on.

Proud To Be of Service

Everyone has something they need to protect, which is why we offer comprehensive insurance solutions for the unpredictable. From home, auto, life, business, Medicare supplement insurance and more, we are here to meet and exceed your insurance needs. For advice, service and coverage you can trust, contact our experienced agents today.

     Insurance Solutions

Varano Insurance Agency, Inc. offers personal insurance, business insurance and Medicare supplement insurance.

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Medicare Supplement Insurance

Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.

Erie Insurance

Varano Insurance Agency, Inc. + Erie Insurance

We offer Erie Insurance coverage at competitive rates.

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There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceBusiness Insurance

Providing for Your Family

Risk Factor

Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.


Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.

Mortgage Payments

Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).

Auto Payments

Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs

Risk Factor

The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?


A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings

Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.


Life insurance can help support a surviving spouse during his or her retirement.

Protecting Your Small Business

Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.


A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement

Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.


Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.

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As an independent agency, we offer multiple options at competitive prices.

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