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.
Flood insurance on Staten Island's South Shore in 2026
FEMA zones, NFIP vs private flood, and the real cost math for Tottenville, Annadale, and Great Kills — plus what your homeowners policy quietly excludes.
Sewer backup in NYC: what HO-3 and HO-6 exclude (and the $30 fix)
Standard NYC home and condo policies exclude sewer backup and drain overflow. Here's what that gap costs in older plumbing — and the cheap endorsement that closes it.
First-time NYC home buyer insurance: checklist from binder to closing
The insurance part of a NYC home purchase confuses most first-timers. Here's exactly what to buy, when to buy it, and what your lender actually requires.
Want a real local agent on the phone?
We answer the phone, in English, Mandarin, and Spanish.