Get a Landlord Insurance Quote on Long Island
Tell us about yourself and the rental property you want to insure. We help landlords compare insurance options for rental homes and investment properties across Long Island, Nassau County, Suffolk County and New York City.
Tell Us About the Rental Property You Want to Insure
Complete the steps below so we can collect the property, coverage and applicant information needed to compare landlord insurance options. You’ll choose how you prefer to be contacted on the final step.
Landlord Insurance for Long Island Rental Properties
The Town Agency helps landlords compare insurance options for rental homes and investment properties throughout Long Island, including Nassau County and Suffolk County, as well as New York City and communities across New York. As a family-owned independent insurance agency in Garden City, we work with multiple carriers to help find coverage suited to the property, occupancy and ownership arrangement.
Family-Owned Since 1968 • Garden City, New York • Multiple Insurance Carriers
What Can Landlord Insurance Help Cover?
Landlord insurance can help protect the rental dwelling, the property owner and the income associated with the property. Available coverage varies by carrier, property and policy.
Rental Dwelling
May help pay to repair or rebuild the rental home after a covered loss.
Landlord Liability
May help with covered legal expenses or damages if someone is injured at the property.
Loss of Rental Income
May replace lost rent when a covered claim makes the property temporarily uninhabitable.
Other Structures
May cover detached garages, sheds, fences and other structures located on the rental property.
Landlord-Owned Items
May cover appliances, equipment or furnishings owned by the landlord and provided for tenant use.
Additional Coverage Options
Water backup, equipment breakdown and other optional endorsements may be available.
What Affects the Cost of Landlord Insurance?
Landlord insurance pricing is based on more than the property address. The details collected in the questionnaire help identify the coverage and carrier options that may fit the rental property.
Property and Occupancy Details
-
Property location and rebuilding cost
-
Number of families or rental units
-
Tenant occupancy and rental type
-
Property age, construction and condition
Coverage and Risk Details
-
Heating, wiring, plumbing and roof updates
-
Prior insurance and claims history
-
Pools, trampolines, dogs and liability risks
-
Limits, deductibles and optional endorsements
Affordable Landlord Insurance on Long Island
The Town Agency compares landlord insurance options from multiple carriers to help rental-property owners look for competitive premiums, available savings and coverage suited to their property.
Compare Multiple Carriers
Premiums and eligibility can vary by insurance carrier. Comparing options may help identify a more affordable fit for the rental property.
Review Limits and Deductibles
Coverage limits and deductibles affect both protection and price. We help compare the cost differences before you choose.
Ask About Available Savings
Qualifying safety features, property updates, policy combinations and carrier-specific discounts may help reduce the premium.
Looking for cheap landlord insurance on Long Island? The lowest premium is not always the best value. We compare carrier options, deductibles, available discounts and coverage so you can look for affordable landlord insurance without overlooking important protection.
Landlord Insurance for Different Rental Properties
Rental properties are not all insured the same way. Coverage and eligibility can depend on the number of families, occupancy, rental arrangement, property condition, updates, claims history and how the property is owned.
Rental Properties We Help Insure
-
Single-family rental homes
-
Two-, three- and four-family properties
-
Rental condominiums
-
Seasonal rental properties
-
Long-term investment properties
-
Properties owned individually, by an LLC or by a trust
Why Long Island Landlords Choose Us
-
Family-owned insurance agency since 1968
-
Located in Garden City, New York
-
Multiple insurance carriers to compare
-
Experience with Long Island rental properties
-
Service throughout Nassau and Suffolk counties
-
Friendly, personal assistance without pressure
Landlord Insurance Across Long Island and New York
We help rental-property owners throughout Long Island and across New York. Our Garden City agency primarily serves Nassau and Suffolk counties while also assisting landlords with qualifying properties in New York City and other New York communities.
Nassau County
Garden City and rental properties throughout Nassau County.
Suffolk County
Rental properties throughout western and eastern Suffolk County.
New York City and New York State
Qualifying rental properties in the five boroughs and communities across New York.
Long Island Landlord Insurance FAQs
What Does Landlord Insurance Cover in New York?
Landlord insurance can help cover the rental building, certain liability claims, and lost rental income after a covered loss. Coverage varies by policy and insurer. It generally does not cover a tenant’s belongings, which should be protected by renters insurance.
Is Landlord Insurance Required in New York?
Requirements depend on the property and its financing. A mortgage lender may require property insurance. The insurer should also know that the home is tenant-occupied so the policy properly reflects how the property is used.
Does Landlord Insurance Cover Lost Rental Income?
Landlord insurance may help replace rental income when a covered loss, such as a fire, makes the property uninhabitable during repairs. This coverage is tied to a covered property loss, not simply to a tenant missing rent payments. Limits and covered time periods vary by policy.
Can I Use Homeowners Insurance for a Rental Property?
A standard homeowners policy is usually intended for an owner-occupied home. Once the property is rented, tell the insurer how it is used. A landlord or dwelling policy may be needed to properly cover the rental building and related risks.
Does Landlord Insurance Cover Flood Damage?
Flood damage is generally not covered by a standard landlord policy. A separate flood insurance policy may be needed to protect the rental building. Coverage should be reviewed based on the property’s location and flood risk.
Does Landlord Insurance Cover Tenant Damage?
It may cover damage when the cause is included in the policy, but ordinary wear and tear and maintenance problems are generally excluded. Coverage depends on the policy and how the damage occurred.
Explore More Insurance Options
Own a rental property and the home you live in? We help Long Island homeowners compare coverage for their dwelling, belongings, liability and other important risks through multiple New York insurance carriers.
Compare auto insurance for your personal vehicles, including liability, collision, comprehensive and uninsured motorist coverage. We help drivers across Nassau and Suffolk counties find coverage suited to their needs and budget.
Bundling your primary home and auto insurance may simplify your coverage and qualify you for multi-policy discounts. We compare options from multiple carriers serving Long Island and New York.
Standard landlord insurance generally does not cover flood damage. We compare FEMA and private flood insurance options for rental properties across Long Island, New York City and surrounding communities.
Own a business in addition to your rental property? We compare commercial property, general liability, business auto and other insurance options for businesses throughout Long Island and New York.
Property owners may benefit from additional liability protection above qualifying landlord, home and auto policy limits. Umbrella insurance can help protect your assets when a covered claim exceeds those underlying limits.