The top-rated landlord insurance agent in Bay Shore, New York is Sound Harbor Insurance, rated 5.0 stars across 343 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 13 landlord 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 landlords and property owners throughout Suffolk County from its Bay Shore, New York location. The agency focuses on landlord insurance policies, helping property holders secure coverage for rental homes and multi-unit buildings in the local market. Standard offerings include protection for rental income loss and property damage from common perils. The company specifically handles liability coverage for tenant injuries and policies covering building structures on leased land.
Anthony Machiano: Allstate Insurance provides landlord insurance policies tailored for property owners in Bay Shore, NY, covering essential risks such as property damage, liability protection, and rental income loss. It offers straightforward service guidance to help clients understand their coverage options and maintain appropriate policies over time. Service plans may include periodic policy reviews to adjust for changes in property value or tenancy. The agency typically services single-family homes, apartment buildings, retail spaces, and restaurants.
Michael S. Stagnitta - State Farm Insurance Agent in Bay Shore, NY, serves homeowners, businesses, and property managers by providing landlord insurance policies. These policies help protect rental properties against common risks like property damage and liability claims. The agency works with clients to find appropriate coverage options tailored to individual rental situations. It also serves neighboring communities throughout the Suffolk County metro area on Long Island.
Bill Dunn - State Farm Insurance Agent serves Bay Shore and the surrounding communities across Long Island. It handles a broad range of landlord insurance policies designed specifically for residential property owners. Clients receive guidance on basic coverages, including protection for structures, liability, and loss of rental income. The agency typically approaches each job by first assessing the landlord specific risks of a property and then recommending a policy that aligns with those precise coverage needs.
Douglas Cortez - State Farm Insurance Agent in Bay Shore, NY, distinguishes between one-time policies for short-term rental properties and recurring plans for long-term landlord coverage. Their landlord insurance safeguards buildings against fire, weather damage, and liability claims while protecting rental income loss. Service runs on either a one-time or scheduled basis depending on the client’s portfolio needs, with as-needed consultations also available for policy adjustments.
ACME Insurance Brokerage of Bay Shore INC. specializes in liability protection and property coverage for rental properties in Bay Shore, NY. The agency works with residential and commercial landlords to secure policies tailored to each investment. It assists clients in navigating common lease-related risks, including tenant property damage and unforeseen vacancy periods. During the harsh winter months, the company helps property owners address ice dam claims and frozen pipe liability issues before they escalate into major losses.
As the summer storm season nears, landlords along the South Shore of Long Island often seek capable liability coverage for their rental properties. Oxford Millin Insurance Agency Ltd in Bay Shore, NY, specializes in connecting property owners with landlord insurance policies tailored to local coastal exposures. Their work routinely involves reviewing a property’s roof age, electrical systems, and plumbing before binding a policy. The initial step includes a walk-through inspection of the insured dwelling to document its current condition and identify any immediate maintenance issues.
C Walsh Agency serves as a landlord insurance agent in Bay Shore, NY, helping property owners secure essential coverage for rental dwellings. The company can add specialized protections such as liability coverage for tenant injuries and policies covering loss of rental income due to damage. It also offers options for building materials and vandalism endorsements tailored to local weather risks. Commercial sectors the agency can serve include offices, warehouses, and food service establishments.
For residential landlords in Bay Shore, NY, Jay Tee Insurance offers tailored coverage to protect rental properties from common liability and property damage risks. The agency also provides commercial policies for larger multifamily or mixed-use buildings in the area. Serving landlords throughout Suffolk County, they assist clients in reviewing policy details and adjusting limits to match evolving rental portfolios. After helping secure initial coverage, the agent routinely schedules follow-up consultations to review any changes between regular property visits.
Universal Insurance Co in Bay Shore, NY, is known for helping residential property owners find appropriate coverage for rental units. The firm assists landlords in the region with essential policy types, including dwelling protection, liability coverage, and loss-of-rent insurance. Its agents evaluate specific property risks in the local market, offering guidance on required coverage amounts. For added security, the company can also arrange separate flood insurance policies for clients whose buildings lie in coastal flood zones.
What Does a a Landlord Insurance Agent in Bay Shore Cost?
Typical landlord insurance costs in New York range from 15 to 30 percent more than standard homeowners insurance. For a single-family rental in Bay Shore, annual premiums often fall between 1,200 and 2,500 dollars. Costs vary based on property value, location, coverage limits, and claims history. This is general information and does not constitute insurance advice.
About landlord insurance agents in Bay Shore
A landlord insurance agent in Bay Shore, New York helps property owners protect their rental investments. New York law requires landlords to maintain liability coverage for buildings with three or more units. Local agents understand the specific risks of Long Island weather and tenant laws in Suffolk County.
Frequently Asked Questions
What does landlord insurance cover in Bay Shore New York?
Landlord insurance typically covers property damage, liability protection, and loss of rental income. In New York, policies often include coverage for fire, wind, and water damage common to coastal areas like Bay Shore.
Is landlord insurance required by law in New York?
New York state law does not mandate landlord insurance for single-family rentals. However, buildings with three or more units must carry liability insurance under New York General Business Law. Most mortgage lenders also require a policy.
How do I choose a landlord insurance agent in Bay Shore?
Look for an agent licensed in New York who has experience with rental properties in Suffolk County. Ask about coverage for flood zones and older buildings common in Bay Shore. Compare quotes from multiple agents to find suitable terms.
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