Privacy Policy

The Town Agency, Inc. is a family-owned independent insurance agency serving Long Island, including Nassau and Suffolk counties, New York City, and communities throughout New York State since 1968.

We respect your privacy and understand the importance of protecting the personal information you provide when requesting insurance quotes, purchasing coverage, or contacting our agency.

This Privacy Policy explains what information we collect, how we use and share that information, and the choices available to you.

Information We Collect

Personal Identifiers & Contact Details

Full name, mailing address, property address, phone number, and email address.
Date of birth and other identifying information needed for insurance applications.
Household members, additional insureds, and driver information.
Preferred methods of communication.

Homeowners, Landlord & Dwelling Fire Insurance Information

Property address, ownership, occupancy, and intended use, including primary residences, secondary homes, seasonal properties, and rental properties.
Property characteristics, including year built, square footage, construction materials, roof, foundation, basement, and garage details.
Heating, plumbing, electrical, roofing, and other building systems, including renovations and updates.
Property safety features, central air conditioning, alarm systems, and other improvements.
Property-related risks, including swimming pools, trampolines, pets, oil tanks, and business activities conducted on the premises.
Rental property information, including the number of units, occupancy, and relevant tenant-related exposures.
Existing insurance coverage, policy expiration dates, prior claims or losses, and requested coverage.
Additional property information, documents, or insurance policy copies voluntarily provided to help evaluate coverage options.

Auto Insurance Quote Information

• Vehicle information, including year, make, model, vehicle identification number (VIN), ownership, and registration details.

• Vehicle use, commuting distances, annual mileage, and any business, delivery, or rideshare activities.

• Driver information, including names, dates of birth, driver's license details, driving experience, and relevant eligibility information.

• Requested coverage types, liability limits, deductibles, and optional protections, including comprehensive and collision coverage.

• Existing insurance coverage, prior carriers, policy expiration dates, coverage gaps, and relevant claims or driving history.

• Additional vehicle, driver, and insurance information needed to evaluate coverage eligibility and prepare quotes.

Umbrella Insurance Information

Requested umbrella liability coverage limits and information about existing underlying insurance policies.
Residential, rental, and other properties owned or occupied, including relevant liability exposures.
Household vehicles, licensed drivers, driving experience, and other driver-related underwriting information.
Boats, recreational vehicles, motor homes, and other property or activities that may create additional liability exposures.
Prior liability claims, losses, or other relevant insurance history.
Additional household, property, vehicle, or personal liability information needed to evaluate eligibility and available coverage options.

Boat & Watercraft Insurance Information

Boat or personal watercraft information, including year, make, model, hull identification number, size, construction, and propulsion type.
Watercraft ownership, purchase information, estimated value, and any modifications or performance enhancements.
Boat usage, navigation areas, storage locations, and trailering information.
Owner and operator information, including boating experience, qualifications, and relevant claims or accident history.
Requested insurance coverage, liability limits, deductibles, and additional protections for boats, equipment, or trailers.
Other watercraft, operator, or insurance information needed to evaluate eligibility and available coverage options.

Flood Insurance Information

Property address, ownership, occupancy, and use, including primary residences, secondary homes, seasonal properties, and rental properties.
Building characteristics, including foundation type, basement or enclosure details, construction features, and number of units.
Property elevation, flood zone, and other flood-risk information when available or required for underwriting.
Prior flood damage, insurance claims, and flood coverage history.
Requested flood coverage limits, deductibles, and information about existing flood insurance.
Additional property information, documents, or flood-related details needed to evaluate coverage through the National Flood Insurance Program (NFIP) or private flood insurers.

Insurance Underwriting and Consumer Reports

Insurance companies and authorized service providers may obtain additional information to evaluate insurance applications, determine eligibility, and calculate premiums. Depending on the coverage requested, this may include:

Motor Vehicle Reports (MVR), which may contain driving records and license information.
Comprehensive Loss Underwriting Exchange (CLUE) reports or similar insurance claims-history reports.
Property loss-history information and other legally permitted underwriting or consumer reports.

These reports may be obtained and used by insurance carriers or other authorized parties for insurance-related purposes, as permitted by applicable law. Where authorization is legally required, it will be requested through the appropriate application or authorization process.

Technical Data (collected automatically)

Our website and online form providers, including Wix and Jotform, may automatically collect technical information, including:

• IP addresses and browser or device information

• Pages or forms viewed, access times, and submission-related information
• Cookies and similar technologies used to support website functionality, security, and analytics

The information collected depends on the service used, its settings, and your cookie choices. You can manage cookies through your browser settings. Blocking certain cookies may affect website or form functionality.

Sensitive Information We Do Not Request Online

We do not request Social Security numbers, credit card numbers, or bank account details through our online quote or contact forms. Please do not include this information in form responses, uploaded documents, or website chat messages.

Additional Information

If you contact us by phone, email, or in person, we may collect additional information you provide to help prepare insurance quotes, arrange coverage, service your policy, or meet applicable legal and insurance carrier requirements.

How We Use Your Information

We use the information we collect to:

• Respond to your questions and insurance quote requests.
• Evaluate your insurance needs and obtain quotes from insurance carriers.
• Help arrange coverage and service your policies, including changes and renewals.
• Communicate with you about your requests and coverage.
• Support website and form functionality, security, and performance.
• Meet applicable legal, regulatory, and insurance carrier requirements.

How We Share Your Information

We may share your information with:
• Insurance carriers and intermediaries to obtain quotes, arrange coverage, and service your policies.
• Service providers, including Wix and Jotform, that support our website, forms, and communications.
• Government authorities or other parties when required or permitted by applicable law.
• Other parties when you authorize us to share it.

Information Security and Retention

We take reasonable administrative, technical, and organizational measures to protect the personal information we collect and maintain. However, no website, electronic transmission, or storage system can be guaranteed to be completely secure.

We retain personal information for as long as reasonably necessary to provide insurance services, maintain business records, comply with applicable legal and regulatory requirements, and resolve disputes. Retention periods may vary depending on the type of information and applicable requirements.

Your Privacy Choices and Requests

You may contact The Town Agency to request access to, correction of, or updates to personal information we maintain about you, subject to applicable legal and insurance recordkeeping requirements.

You may also contact us regarding your communication preferences or questions about how your personal information is handled. We will review and respond to requests as required by applicable law.

Third-Party Forms and Services

Our website uses Wix for website hosting and functionality and Jotform for online insurance quote and contact forms. When you submit information through these services, your information may be processed and stored by these providers to support your request.

These providers maintain their own privacy and security practices. For additional information, please review the privacy policies of Wix and Jotform.

We may also use website analytics and other tools to help understand website usage, maintain security, and improve our services.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our business practices, website functionality, services, or applicable legal requirements.

Any updates will be posted on this page. We encourage you to review this Privacy Policy periodically.

Privacy Questions and Contact Information

For questions about this Privacy Policy or how we handle your personal information, please contact us:
The Town Agency, Inc.
1205 Franklin Ave., Suite 102
Garden City, NY 11530
Phone: (516) 294-1000
Email: info@thetownagency.com