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Long Island NY Homeowner Insurance
Get the Coverage You Need at a Price You Can Afford

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Looking for homeowner insurance in Nassau and Suffolk County Long Island?

The Town Agency can help. We've been protecting Long Islanders since 1968, and we're locally owned and operated, so we understand the unique risks of the Long Island market.

Why choose us?

  • We're an independent insurance agency, so we can shop around for the best rates from multiple carriers.

  • We'll also work with you to create a custom policy that meets your specific needs and budget.

  • We understand the unique risks that Long Islanders face, such as hurricanes and floods.

  • We can help you get the coverage you need to protect your home and your family in the event of a disaster.

How to get started?

  • Get a free quote online in minutes or call us at 516-294-1000.

We're here to help you protect your home in Nassau and Suffolk County Long Island.

Pet Insurance

Being a pet parent comes with a lot of joy, and some unavoidable realities. Pet insurance can give you the peace of mind of knowing that you're covered for unexpected vet bills.

Get a Free Home Insurance Quote Today and Save up to $637 on Your Annual Premium

We've helped 9 out of 10 people save money on their home insurance, and we can do the same for you.

Compare quotes from multiple insurance companies to ensure you're getting the best possible rate.

It's easy and takes just a few minutes.

Click the button below to get started today!

Get a Free Car Insurance Quote and Save Up to $723

We compare rates from top-rated insurance companies to find you the best deal.

We offer policies for everyone, from new drivers to senior citizens.

Our policies come with great coverages, so you can rest assured that you're protected.

Get a free quote today and see how much you can save!

Save money by Bundling your Home and Auto Insurance

Are you looking for a way to save money on your insurance? Bundling your home and auto insurance can save you an average of $922 per year. We offer the best home and auto bundle policy on the market, with comprehensive coverage and competitive rates.

We work with a variety of insurance companies to find you the best rates possible. We also offer a variety of discounts, such as discounts for good credit, multiple policies, and safety features.

Get a quote today and see how much you can save!

Landlord Insurance

A landlord and a renter shake hands in front of a house with a "For Rent" sign. The landlord is smiling and looks pleased, while the renter is looking confident and excited. The image represents the start of a new lease agreement, and the hope of a positive and mutually beneficial relationship between the landlord and the renter.

Landlord Insurance: Protect Your Property and Assets

As a landlord, you have a lot to protect: including your rental property and your own personal liability. Landlord insurance can help you cover the costs of repairs and replacements in the event of a covered loss, such as a fire, theft. It can also protect you from lawsuits if a tenant is injured on your property and sues you.

Our landlord insurance quotes offer substantial coverages with low premiums, so you can rest assured that your rental property is protected. Get a quote today and see how much you can save!

Flood Insurance

This illustration shows a house floating in the water after a flood. There are two people on the roof of the house, looking out at the devastation. The house is tilted to one side, and the water is up to the windows. The sky is dark and cloudy, and the overall mood of the image is one of despair and hopelessness.

Get a Private Flood Insurance Quote with Lloyd's of London, Rated A Excellent by AM Best

Same low premium with or without an elevation certificate.

Compare rates from insurance companies and FEMA to get you the lowest quote.


Now that insurance companies are selling private  flood insurance we will compare their rates with FEMA and give you the lowest quote.

Business Insurance

Get a Free Quote for Business Insurance

We offer a wide range of business insurance solutions to meet the needs of businesses of all sizes, from gift shops to large contractors to condo associations to boiler manufacturers. Get a quote today to see how we can protect your business. Call to get a quote.

What we offer:

We offer a wide range of homeowner insurance policies to fit your needs, including:

  • Damage to your home and its contents: This is the most basic coverage that homeowner insurance provides. It will pay to repair or replace your home if it is damaged by fire, wind, hail, or other covered perils. It will also pay to replace your personal belongings if they are stolen or damaged in a covered loss.

  • Liability coverage: This coverage protects you if someone is injured on your property or if you damage someone else's property. For example, if a guest slips and falls on your wet floor, your liability coverage would pay for their medical bills and if they sue you.

  • Medical payments coverage: This coverage pays for the medical expenses of people who are injured on your property, even if you are not at fault. This can be helpful if someone is injured in a slip and fall accident or if they are bitten by your dog.

  • Loss of use coverage: This coverage pays for your living expenses if your home is uninhabitable due to a covered loss. For example, if your home is damaged by fire and you have to stay in a hotel or long term rent a house, your loss of use coverage would pay for the cost of the hotel or rent.

  • Additional living expenses: This coverage is similar to loss of use coverage, but it also covers the cost of meals, transportation, and other expenses that you incur while your home is being repaired.

  • Dwelling coverage: This coverage pays to repair or replace the structure of your home. It is typically the largest part of your homeowner insurance policy.

  • Personal property coverage: This coverage pays to replace your personal belongings if they are stolen or damaged in a covered loss.

  • Additional coverages: There are a number of additional coverages that you can add to your homeowner insurance policy, such water backup, equipment breakdown, scheduled personal property, replacement cost personal property and dwelling, and identity theft protection to mention a few.


1205 Franklin Ave.

Suite 102

Garden City, NY 11530


Office Hours

Mon - Fri

9:00 am – 5:00 pm

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  • Long Island is a densely populated island in southeastern New York State, constituting a significant share of the New York metropolitan area in terms of both population and land area. With over eight million inhabitants as of 2020, it is the most populous island in the United States and the 18th-most populous island in the world.

  • The island begins at New York Harbor and extends 118 miles (190 km) eastward into the North Atlantic Ocean with a maximum north-south width of 23 miles (37 km). Long Island's land area of 1,401 square miles (3,630 km2) makes it the largest island in the contiguous United States.

  • Long Island is divided among four counties, with Kings (Brooklyn), Queens, and Nassau occupying its western third, and Suffolk its eastern two-thirds. As of 2020, more than half (58.4%) of New York City residents live geographically on Long Island in the boroughs of Brooklyn and in Queens, although in common parlance, the term "Long Island", locally "the Island", refers exclusively to the counties of Nassau and Suffolk. Conversely, locally, the term "the City" refers to Manhattan alone. The Nassau-Suffolk-only definition of Long Island is recognized as a region by the State of New York.

  • Long Island is known for its beautiful beaches, charming villages, and world-class wineries. The island is also home to a number of popular tourist destinations, including Jones Beach State Park, Fire Island, and the Hamptons.

  • Long Island is a great place to live, work, and raise a family. The island offers a variety of housing options, excellent schools, and a vibrant economy. Long Island is also home to a diverse population and a rich cultural heritage.

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