Long Island insurance — Nassau and Suffolk, in one office.
Many of our clients moved out from the city and many more commute back daily. The insurance rulebook is different from NYC's, and most agencies treat it like a footnote. We don't.
What we write a lot of on Long Island
- South Shore flood policies — FEMA zones have been redrawn repeatedly since Sandy. NFIP vs private flood, elevation certificates, and Coastal Barrier Resources Act exclusions explained in plain English.
- Hamptons and East End high-value homes — HO-3 / HO-5 sized to actual rebuild cost (East End construction runs 25–40% above mainland Suffolk), scheduled jewelry and art, and umbrella sized to estate-level liability.
- Nassau suburban HO-3 — Garden City, Manhasset, Great Neck, Hicksville, Levittown. Replacement-cost analysis tuned to Long Island construction.
- Auto with actual garages — premiums drop meaningfully versus a city-garaged car. We rate accurately.
- LIRR commuter households — splitting time between an LI house and a Manhattan walk-up. We help structure two policies that talk to each other.
- Septic, well, and oil-tank coverage — three of the most common North-Shore-Suffolk surprises at claim time. Endorsements that handle them cost under $100/year combined.
- Detached garages, pool houses, sheds — Coverage B / "other structures" sized correctly to what's actually on the property.
Where on Long Island we serve
All of Nassau and Suffolk County — from Great Neck to Montauk. Common ZIPs we write: Garden City, Manhasset, Great Neck, Roslyn, Port Washington, Syosset, Hicksville, Levittown, Massapequa, Babylon, Bay Shore, Patchogue, Stony Brook, Smithtown, Huntington, Northport, East Hampton, Southampton, Sag Harbor.
Long Island & East End reading, from the Notebook.
How to read a Long Island elevation certificate before you buy
The elevation certificate on your Nassau or Suffolk house is a rating document. Here's how to read it line by line — and the datum error that costs a foot.
Long Island South Shore Flood Insurance in 2026: Zones, Costs, Gaps
Post-Sandy FEMA remapping across Nassau and Suffolk, NFIP vs private flood, elevation certificates, and the Fire Island exclusion most owners never hear about.
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.
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We answer the phone, in English, Mandarin, and Spanish.