The top-rated home insurance agent in Bay Shore, New York is Sound Harbor Insurance, rated 5.0 stars across 342 reviews. Other highly rated options include Anthony Machiano: Allstate Insurance, Michael S. Stagnitta - State Farm Insurance Agent, Bill Dunn - State Farm Insurance Agent. This directory lists 16 home insurance agents serving Bay Shore.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sound Harbor Insurance | 91 E Main St Suite 3 | (631) 517-9211 |
| 2 | Anthony Machiano: Allstate Insurance | 67 E Main St | (631) 440-9226 |
| 3 | Michael S. Stagnitta - State Farm Insurance Agent | 87 Park Ave | (631) 666-8350 |
| 4 | Bill Dunn - State Farm Insurance Agent | 1656 5th Ave A | (631) 478-6669 |
| 5 | Douglas Cortez - State Farm Insurance Agent | 1805 5th Ave Ste 14 | (631) 456-4603 |
| 6 | ACME Insurance Brokerage of Bay Shore INC. | 1716 Sunrise Hwy | (631) 665-6464 |
| 7 | Oxford Millin Insurance Agency Ltd | 25 4th Ave | (631) 434-6666 |
| 8 | C Walsh Agency | 28 W Main St | (631) 251-6050 |
| 9 | Jay Tee Insurance | 1655 5th Ave A | (631) 231-3200 |
| 10 | Universal Insurance Co | 214 5th Ave | (315) 239-3997 |
Sound Harbor Insurance serves the Bay Shore area and Suffolk County as a home insurance agent. The company assists local homeowners in securing necessary dwelling coverage for their properties. It also helps clients find policies that protect personal belongings inside the home. Understanding the specific risks on Long Island, such as coastal storms and flooding, is central to the service provided. The agency handles windstorm insurance and supplemental flood insurance for this region.
Anthony Machiano: Allstate Insurance provides residential property insurance coverage for clients in and around Bay Shore, New York. It offers standard homeowner policies along with optional endorsements to address common local risks. Service plans are available to review policy details annually and adjust coverage as needs change. Clients can also schedule assistance with filing damage claims or updating personal inventories. The agency regularly services single-family homes, apartments, retail spaces, and local restaurants requiring liability protection.
Michael S. Stagnitta - State Farm Insurance Agent in Bay Shore, New York, serves local homeowners, businesses, and property managers with comprehensive home insurance policies. The agency helps clients protect their residential properties against common risks like fire, theft, and weather-related damage. Personalized coverage plans are developed to meet each homeowner’s specific needs and budget. Advice on liability protection and additional living expenses is also provided. This agent understands the unique insurance requirements for properties along Long Island’s South Shore, and also regularly assists residents in nearby Islip and West Islip.
Serving Bay Shore and the surrounding communities on Long Island, Bill Dunn - State Farm Insurance Agent provides home insurance coverage tailored to protect local homeowners. The agency handles policies that safeguard a property’s structure, personal belongings, and liability from common regional risks. Every client consultation begins with a thorough review of individual needs and property specifics. By evaluating each home’s unique exposure to weather and other local hazards, the agent customizes a policy that balances necessary protections with practical cost management.
Douglas Cortez - State Farm Insurance Agent in Bay Shore, NY, offers home insurance with a distinction between one-time policy purchases and ongoing coverage options that adjust as circumstances change. This agency provides protection for a dwelling, personal belongings, and liability exposure against local weather risks. Service is available on an as-needed basis for new policies, modifications, and claims.
Specializing in home insurance for coastal properties, ACME Insurance Brokerage of Bay Shore INC. helps homeowners in Bay Shore, NY assess coverage needs for structures and personal belongings. The agency guides clients through policy options for dwelling protection, liability, and additional living expenses. It assists with annual reviews of coverage limits to keep pace with home values. The agency also addresses claims preparation after severe winter storms, ensuring clients understand their deductibles for snow and ice damage.
As winter storms approach Bay Shore, homeowners may worry about ice dams and wind damage to their roofs. Oxford Millin Insurance Agency Ltd helps clients review their existing policies to ensure coverage fits the local climate risks of Long Island. They explain the difference between actual cash value and replacement cost coverage in plain language. After discussing a homeowner’s concerns and property details, an agent schedules a walk-through inspection to assess the home’s age, condition, and safety features before issuing a quote.
C Walsh Agency assists local homeowners in Bay Shore, NY, with securing property insurance to protect their residences and personal belongings. The agency specializes in adding coverage options, such as protection for valuable items or liability enhancements beyond standard policies. Its services also extend to commercial sectors, including protecting offices, warehouses, and food service establishments from property risks.
Jay Tee Insurance serves homeowners in Bay Shore, NY, with residential coverage tailored to protect individual properties and personal belongings. The agency also addresses commercial insurance needs for local business properties. Clients throughout the surrounding area rely on this home insurance agent for guidance on policy options suited to different property types. After each policy is issued or renewed, the office follows up to confirm continued satisfaction and addresses any adjustments needed before the next regular service interval.
Universal Insurance Co is a home insurance agent in Bay Shore, NY, known for helping homeowners protect their properties against common regional risks. The agency assists clients in selecting suitable coverage policies tailored to individual property needs and budget constraints. Customers consult with the company to understand dwelling, personal property, and liability protections. Local homeowners rely on its guidance for straightforward policy explanations and claims support. As an add-on specialty, the agency can arrange flood insurance riders for homes in vulnerable coastal areas.
What Does a a Home Insurance Agent in Bay Shore Cost?
Home insurance costs in Bay Shore New York average between 1,200 and 2,500 dollars per year for a standard policy. Factors include home value age construction type and proximity to the coast. Flood insurance adds 700 to 1,500 dollars annually. This is general information not insurance advice.
About home insurance agents in Bay Shore
Home insurance agents in Bay Shore New York help homeowners find policies that cover their property and belongings. New York state law does not require homeowners insurance but mortgage lenders usually require it. Agents can explain coverage options for coastal areas and older homes common in Bay Shore.
Frequently Asked Questions
What does home insurance cover in Bay Shore New York?
Standard policies cover damage from fire wind and theft. Flood insurance is separate and often needed in Bay Shore due to its coastal location. New York law does not mandate specific coverage but lenders set their own requirements.
How do I choose a home insurance agent in Bay Shore?
Look for an agent licensed in New York who has experience with homes in Suffolk County. Check their knowledge of local risks like nor easters and flood zones. Ask about policy options and discounts for bundling.
Are there time limits for filing a home insurance claim in New York?
New York law gives you a reasonable time to file a claim often within 30 days of the loss. Check your policy for specific deadlines. Delays can reduce your chance of full payment.
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