Homeowners Insurance in Nassau & Suffolk County

Location and distance to the coast, roof/updates, rebuild cost, deductible, prior claims, and credit/insurance score. Wind or hurricane deductibles can also change price.

Not by default. We can add Water Backup/Sump Discharge with limits (commonly $5k–$25k) and its own deductible.

Insure to the full rebuild cost (replacement cost), not market value. We use carrier tools to set a realistic limit and review it with you.

Homeowners policies exclude natural flood. We’ll quote FEMA (NFIP) and private flood options for your zone so you can compare coverage, limits, and pricing.

Yes. Base policies have sub-limits; scheduling raises limits and can remove the deductible for listed items.

Some carriers apply a separate percentage deductible for wind or named storms near the coast. We’ll show how each option affects premium and claims.

Usually. Bundling often lowers both premiums and may add extra perks. We’ll price it both ways and apply every discount you qualify for.

Replacement Cost pays today’s cost to repair/replace with like kind and quality (subject to limits/deductibles). Actual Cash Value subtracts depreciation. We default to Replacement Cost whenever the carrier allows.

Yes. Roof, electrical, plumbing, or square-footage changes can affect your coverage limits and price. We’ll update your dwelling value and add any needed endorsements (e.g., ordinance or law). Depending on the type of remodel, we may also be able to offer a new roof credit or other discounts.

Absolutely. We can issue evidence of insurance and additional interest documents the same day—often within minutes once your policy is bound.

Yes, with different policy forms and requirements. We’ll place you with a carrier that allows your occupancy type and set the correct liability and loss-of-rent options.

For most homes we can quote and bind the same day and email your documents and mortgagee proof.