Hudson Valley insurance — for the half of life that's no longer in the city.
From Yonkers and White Plains up through Putnam, Dutchess, and Ulster, the policies that fit the Hudson Valley don't look like NYC policies. Trees fall, septic tanks crack, detached barns count as "other structures." We write what's actually on the property.
What we focus on in Westchester and the Hudson Valley
- Westchester HO-3 / HO-5 — Scarsdale, Rye, Larchmont, Bronxville, Chappaqua, Armonk, Pleasantville, New Rochelle, White Plains, Yonkers. Replacement-cost analysis sized to Westchester construction, not a national average.
- Hudson Valley wooded properties — Putnam, Dutchess, Ulster, Orange, Rockland. Tree-on-house liability, fall risk, and outbuilding coverage handled at the underwriting stage.
- Well and septic coverage — Service-line endorsements that pay for the line, not just the appliance. Common Hudson Valley surprise; cheap to fix.
- Detached structures — Barns, workshops, guesthouses, and accessory dwelling units (ADUs). Coverage B is rarely sized correctly out of the box.
- Metro-North commuter auto — Off-peak garaged car + weekday LIRR/Metro-North combo. Accurate garaging means meaningfully lower premiums than NYC.
- Equine and farm-style hobby properties — Common in northern Westchester and Putnam. Liability and equine endorsements properly structured.
- Flood near the Hudson and tributaries — Riverfront and creekside properties in Ulster, Dutchess, and Rockland often need a flood policy that the standard HO-3 won't cover.
Counties we serve
Westchester, Rockland, Putnam, Dutchess, Orange, Ulster, and adjacent Sullivan and Greene. If you're as far north as Albany or the Capital region, we can usually still write — call to confirm.
Westchester & Hudson Valley reading, from the Notebook.
LIRR and Metro-North commuters: the auto insurance break most miss
If you commute by rail, your car sits in a driveway all day. Most policies never get repriced for that. Here's the garaging and mileage math for NY rail commuters.
Hudson Valley homeowners: tree claims, well and septic coverage
Who pays when a tree falls in Putnam, Dutchess, or Orange County — plus the well-pump and septic gaps standard HO-3 policies quietly exclude.
Westchester homeowners insurance 2026: the endorsement agencies skip
Replacement cost, ordinance & law, and the service-line endorsement most Westchester homeowners have never been offered. Straight math for Scarsdale, Rye, and White Plains.
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