The Town Agency has the best homeowner insurance. See for yourself, click the button above to get a premium quote or call us at 516-294-1000. We will make sure that you are getting all of the discounts that you are entitled to. 

 

Are you looking for homeowner insurance in Long Island? The Town Agency can help! We've been protecting the residents of Suffolk and Nassau County on Long Island since 1968, and we're also located right here in Garden City, NY on Long Island, so we understand the local market inside and out.

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Homeowner Insurance covers:

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• 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.

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• 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.

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• 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.

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• 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 rent a house, your loss of use coverage would pay for the cost of the hotel or rent.

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• 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.

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• 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.

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

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• 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.

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Why choose us:

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We are located right here on Long Island, 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 family in the event of a disaster. 

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