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Fire Island NY Private Flood Insurance Quote

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We are a family insurance agency founded in 1968 specializing in flood and homeowner insurance for people who live near the water.

Lloyd's of London provides the same coverages as FEMA, but unlike FEMA you can cover your dwelling for the full replacement value. In light of recent flood map changes and extreme weather events that have hit the nation, homeowners may find they want more coverage than what is available in the standard policy amount offered by the NFIP (FEMA). 

Lloyd's of London, a 330 year old insurance company, rated "A" Excellent by AM Best offers flood insurance for a much lower premium than FEMA. They offer the same low premium with or without an elevation certificate.

Advantages of private flood insurance

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Higher building and personal property limits

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Shorter waiting period, approximately 14-15 days

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Elevation Certificate is not required

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Customized coverage limits and deductible options

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Surplus lines product financially backed by A.M. Best A-rated carriers

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Private Flood Insurance may be much cheaper in many cases and sometimes 30-60% of the premium provided by NFIP (National Flood Insurance Program)


"The Town Agency helped me get the right coverage on my auto and home insurance. A live person always answers the phone and everyone was so helpful. They have the lowest rates and even helped my mom get a better policy too. 

- Leo Yamhzi

"I've used the Town Agency for years and they have always been helpful. When I had a fire John came to my house and was a big help. I highly recommend them."

-Janet Cohen

"They saved me money and made changing my insurance a breeze. Keep up the good work guys"

-Jennifer Duffy

Contact Information

Phone: (516) 294-1000

Fax: (516) 741-6025

Text message: (516) 522-0387


1205 Franklin Ave.

Suite 102

Garden City, NY 11530


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At our agency, you will have your own personal customer service representative to speak with when you call or visit our office.

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