We absorb the risk so you don’t have to.
Carolyn runs this agency from her home office in Masontown. She’s licensed in Pennsylvania, West Virginia, and Ohio, she compares the carriers herself, and she picks up her own phone.
Greene Sponge Agency is a subsidiary of Watson Insurance Agency, Inc. of Johnstown, PA — independent, local, and backed by a family-run agency since 1946.

What Carolyn writes
Three lines, all of it through an independent agency, which means the quote comes from whichever carrier actually fits you.
Home insurance
Your house, the garage, the outbuildings, and everything you keep in them — including mobile homes, older homes, and new construction.
Get a home quote
Auto insurance
Cars, trucks, motorcycles, ATVs, UTVs, trailers, RVs, and boats — plus the teenage driver you are nervous about.
Get an auto quote
Business insurance
The shop, the farm, the crew, the trucks, and the liability that comes with all of it — from one-person shops to larger companies.
Get a business quote
Need life or health insurance? Carolyn isn’t licensed in it, but she’ll connect you with a trusted friend who specializes in it. Ask for a referral
Why people call Carolyn instead of an 800 number
It’s just Carolyn
There is no staff, no phone menu, and no queue. When you call or text, you get Carolyn — the same person who quoted you and the same person who will pick up when something goes wrong.
Licensed in three states
Pennsylvania, West Virginia, and Ohio. If you live in one state and work in another, that’s one conversation instead of two agents who each handle half of it. (No Ohio office — Ohio clients are served remotely.)
She answers her own phone
You get Carolyn, not a menu and not a queue. A good bit of her business happens by text, so send one if that’s easier.
She compares the carriers for you
She’s independent. She runs your details past several carriers, then tells you which one fits and why the cheapest quote sometimes isn’t the one to take.
Where she works
Carolyn writes insurance across the entire states of Pennsylvania and West Virginia — and she’s licensed in Ohio too (served remotely, no Ohio office). Her home office is in Masontown, PA, and she meets West Virginia clients by appointment at WV The Torch in Fairmont. Most of her clients are in these counties, but if you’re anywhere in PA or WV, she can help.
Fayette County, PA
Masontown, Uniontown, Point Marion
Greene County, PA
Carmichaels
Monongalia County, WV
Morgantown, Star City, Granville
Marion County, WV
Fairmont
Preston County, WV
Ohio
Get a quote, or just ask a question
Tell Carolyn what you have now and what you are worried about. If she cannot beat what you have, she will say so. Quotes are always free.
115 N Main St, Masontown, PA 15461 (home office)
WV The Torch, 450 Leonard Ave, Fairmont, WV 26554 (by appointment)
(724) 970-4129 — call or text
carolyn@greenespongeagency.com
Remote or by appointment — reach out first.