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Compare home insurance agents in Hampton Bays. Review contact information and insurance categorys before you decide.
4 agents listed
Updated May 2026
Hampton Bays, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 4 home insurance agents in Hampton Bays, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Ted Morales - State Farm Insurance Agent
252 W Montauk Hwy Ste 12, Hampton Bays, NY 11946
(631) 856-4204
tedmorales.com
Isla Insurance & Services Inc
3A W Montauk Hwy, Hampton Bays, NY 11946
(631) 494-9000
islainsurance.com
Maloney & Maloney Inc
108 W Montauk Hwy, Hampton Bays, NY 11946
(631) 728-0400
maloney-maloney.com
NY Insurance Agency Co
59E E Montauk Hwy, Hampton Bays, NY 11946
(631) 657-7361
vigdiskenney544859.wixsite.com
Home insurance agents in Hampton Bays help homeowners protect their properties against risks like coastal storms and winter damage. New York law requires insurers to offer coverage for fire and liability, but flood insurance is separate and often needed in this area. A local agent can explain policy options and help you meet mortgage or lender requirements.
What Does a Home Insurance Agent in Hampton Bays Cost?
Home insurance costs in Hampton Bays vary widely based on home value, age, and location. A typical annual premium in New York ranges from 1,200 to 3,000 dollars for a standard policy. Coastal properties may pay more due to wind and flood exposure. Deductibles and coverage limits also affect the price. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a home insurance agent in Hampton Bays do?
A home insurance agent helps you find a policy that covers your house and belongings. They explain different coverage levels and can shop among multiple insurers to get you a quote. In Hampton Bays, agents often focus on wind and flood risks due to the coastal location.
Do I need flood insurance in Hampton Bays?
Flood insurance is not part of a standard home policy in New York. If your home is in a high-risk flood zone, your lender may require it. An agent can help you get a separate flood policy through the National Flood Insurance Program or a private carrier.
How do New York laws affect home insurance in Hampton Bays?
New York requires insurers to offer coverage for fire, theft, and liability. The state also has a two-year statute of limitations for filing a lawsuit after a claim denial. An agent can explain these rules and how they apply to your policy.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.