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Looking for a home insurance agent in Smithtown? Review the directory below to compare your options.
16 agents listed
Updated May 2026
Smithtown, 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 16 home insurance agents in Smithtown, 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.
Jennifer O'Brien - State Farm Insurance Agent
550 Smithtown Bypass 2nd Fl Suite 114, Smithtown, NY 11787
(631) 724-0002
insurewithjenn.com
AAA Smithtown
729 Smithtown Bypass, Smithtown, NY 11787
(631) 393-7613
branches.northeast.aaa.com
Joe Aguirre - State Farm Insurance Agent
61 W Main St, Smithtown, NY 11787
(631) 265-3880
smithtownagent.com
Lynne Barnhardt - State Farm Insurance Agent
58 N Country Rd, Smithtown, NY 11787
(631) 265-5030
lynnebarnhardt.com
Philip Forte: Allstate Insurance
310 Maple Ave, Smithtown, NY 11787
(631) 346-6400
agents.allstate.com
Platinum Insurance Group
111 E Main St, Smithtown, NY 11787
(516) 621-2436
platinuminsgroupny.com
Jeff Troiano: Allstate Insurance
25 Manor Rd, Smithtown, NY 11787
(631) 724-2100
agents.allstate.com
Zachary Millian: Allstate Insurance
360 E Jericho Tpke, Smithtown, NY 11787
(631) 656-7856
agents.allstate.com
Takach & Associates, Inc
112 Terry Rd, Smithtown, NY 11787
(631) 366-2774
takachinsurance.com
Antos Agency Inc
158 Terry Rd, Smithtown, NY 11787
(631) 360-3737
antosagencyinc.com
Central Insurance Agency
93 E Main St, Smithtown, NY 11787
(877) 242-9600
ciainsures.com
Navigators Insurance
550 Smithtown Bypass STE 202, Smithtown, NY 11787
(631) 724-4989
insnavigator.com
Schaefer Agency Inc. (The)
201 E Main St, Smithtown, NY 11787
(631) 979-7474
Nationwide Insurance: Bagatta Associates Inc.
823 W Jericho Turnpike Suite 1A, Smithtown, NY 11787
(631) 864-1111
bagatta.com
Marluca Insurance
50 Karl Ave #103, Smithtown, NY 11787
(631) 543-2232
Island Agency Inc.
2 Redan Dr, Smithtown, NY 11787
(516) 256-2300
islandagencyinc.com
A home insurance agent in Smithtown, New York can help you find a policy that meets your needs. New York state law requires insurers to offer coverage for fire and theft, but agents can also add protection for flooding or wind damage common on Long Island. Working with a local agent ensures you understand your policy limits and deductibles.
What Does a Home Insurance Agent in Smithtown Cost?
In New York, the average annual home insurance premium is around 1,300 dollars for a standard policy, but costs in Smithtown can range from 900 to 2,500 dollars depending on your homes age, location, and coverage limits. Factors like proximity to the coast and the homes replacement cost 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 Smithtown do?
A home insurance agent helps you compare policies from different carriers to find the right coverage for your home. They explain policy terms, deductibles, and exclusions. Agents also assist with filing claims and updating your coverage as needed.
Is flood insurance required in Smithtown New York?
Flood insurance is not required by New York state law, but mortgage lenders may require it if your home is in a flood zone. Many Smithtown homes near the Nissequogue River or Long Island Sound are in high-risk areas. An agent can help you purchase a separate flood policy through the National Flood Insurance Program.
How do I choose a home insurance agent in Smithtown?
Look for an agent licensed in New York with experience handling claims on Long Island. Check their reviews and ask about the insurance companies they represent. A good agent will explain New York specific rules, such as the 30 day grace period for premium payments.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.