Spring on Long Island is a great time for a quick “insurance tune-up.” A few small checks now can help prevent common claims—and make sure your coverage matches your home today. 1) Update your home inventory: Walk through your home and take quick photos of each room. Save them in a cloud folder along with receipts for big-ticket items. If you ever need to file a claim, this makes things much easier. 2) Make sure renovations are reflected: If you’ve updated a kitchen, bathroom

Buying a home on Long Island—or renewing a policy you’ve had for years—shouldn’t feel like guesswork. The truth is, many coverage “surprises” happen because a few key items were never reviewed in plain English. This Long Island homeowners insurance guide highlights 7 common coverage gaps to review before you buy or renew in 2026. Below are 7 homeowners insurance gaps we most often see when helping Long Island homeowners compare options. We’re The Town Agency, Inc., an indepen

Auto insurance rates have gone up for many Long Island drivers over the past year. Even households with clean driving records are seeing higher premiums. According to industry data, several trends across New York are contributing to these increases. Here’s what’s driving rates upward — and the most reliable ways Long Island drivers can potentially save. Why Rates Are Increasing Advanced Vehicle Technology Modern cars use sensors, cameras, and safety systems that make repairs

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Insurance rates in Nassau and Suffolk can be higher than the national average — but there are smart ways to save: Bundle Home & Auto...

1. Underinsuring Your Home Many homeowners only think about market value, but insurance should be based on replacement cost —what it...

There are many private flood insurance companies, with a wide range of premiums. Some insurance companies are actually charging more than...

The Town Agency has been a friendly face on Long Island for over 50 years, helping folks here protect their homes, cars, and businesses....

New York State drivers, pay attention! As of August 1, 2023, all auto insurance policies within the state automatically include...

Looking for ways to save money and make your life easier? Consider bundling your homeowner and auto insurance into a single policy with...

Affordable car insurance through The Town Agency Are you looking for affordable car insurance? Look no further than The Town Agency! We...

The Importance of Flood Insurance Flooding is a major risk for coastal homeowners on Long Island in both Nassau and Suffolk Counties. The...

We Understand Long Island Needs Because We've Been Here Since 1968 Long Island is a unique place, with its own unique needs. That's why...

Contact The Town Agency if you are currently insured with Kemper. We have several top rated insurance companies to provide new coverage...

Your home is likely your most valuable asset. It's where you live, raise your family, and create memories. But what happens if your home...