The top-rated landlord insurance agent in Melville, New York is First Heritage Insurance Agency, rated 4.9 stars across 1,453 reviews. Other highly rated options include PRK Insurance Agency Inc, Brian M. Gill - State Farm Insurance Agent, Clarity Insurance Agency. This directory lists 21 landlord insurance agents serving Melville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Heritage Insurance Agency | 324 S Service Rd | (631) 659-0189 |
| 2 | PRK Insurance Agency Inc | 425 Broadhollow Rd Suite 415 | (516) 799-9001 |
| 3 | Brian M. Gill - State Farm Insurance Agent | 713 Walt Whitman Rd | (631) 549-9444 |
| 4 | Clarity Insurance Agency | 35 Melville Park Rd #400 | (516) 862-4422 |
| 5 | YZ Insurance Group | 555 Broadhollow Rd # 303 | (516) 464-2100 |
| 6 | Coverland Brokerage Inc | 555 Broadhollow Rd #117 | (516) 696-3590 |
| 7 | The Ferrante Agency: Allstate Insurance | 534 Broadhollow Rd Ste 250 | (516) 378-1500 |
| 8 | La Grange Inc. | 734 Walt Whitman Rd #208 | (631) 629-4360 |
| 9 | Phoenix Agency, Inc. | 135 Pinelawn Rd Suite 202N | (516) 753-9500 |
| 10 | Sharifi Risk Management | 25 Melville Park Rd Suite 80 | (516) 336-7806 |
First Heritage Insurance Agency serves property owners throughout Melville and greater Nassau County as a local landlord insurance agent. The company provides tailored coverage for residential and commercial rental properties, addressing the specific risks faced by landlords in this region. Their policies help protect buildings from fire, weather damage, and liability claims arising from tenant injuries. First Heritage also handles loss of rental income coverage and umbrella policies for landlords with multiple units.
PRK Insurance Agency Inc in Melville, NY provides a comprehensive range of landlord insurance services, including coverage for property damage, liability protection, and loss of rental income. The agency offers ongoing policy maintenance and periodic coverage reviews to align with evolving landlord needs. It services diverse property types across the region, from single-family homes and apartment buildings to retail spaces and restaurants.
Serving homeowners, property managers, and small business owners in the Melville area, Brian M. Gill - State Farm Insurance Agent provides landlord insurance policies to protect rental properties. These policies typically cover dwelling damage, liability for tenant injuries, and loss of rental income during repairs. With experience navigating local regulations, the agent helps clients select appropriate coverage limits and deductibles for their investment properties. The company also extends its services to neighboring communities in Nassau County, such as Plainview.
Clarity Insurance Agency provides landlord insurance services to Melville, New York, and the surrounding Long Island communities. The company handles coverage for residential rental properties, including liability protection and building structure policies. To serve property owners, it focuses on assessing individual risk factors and matching policies to specific property types and landlord requirements. For a typical job, Clarity Insurance Agency evaluates the property's condition, occupancy terms, and local market exposures to recommend appropriate coverage limits and endorsements.
Offering both one-time landlord insurance quotes and recurring coverage management, YZ Insurance Group serves property owners in Melville, New York. Their policies typically address liability protection, property damage, and loss of rental income from tenant turnover or unit vacancies. Clients may need to discuss specific lease types or structure ages to tailor exclusions. Coverage service runs on an as-needed basis, with no mandatory ongoing contracts required for standard property assessments.
Coverland Brokerage Inc specializes in landlord-specific insurance policies in Melville, NY, including coverage for rental property damages and liability protection. The agency also assists with general property insurance needs for local residential and commercial landlords. During the winter months, it helps address claims related to frozen pipes and ice damage that often affect unoccupied units. This focus ensures landlords maintain adequate protection against seasonal weather risks that frequently arise in the Melville area.
As autumn winds stir the fallen leaves across Melville properties, landlords face the recurring need to secure their investments against weather-related claims. The Ferrante Agency: Allstate Insurance provides tailored coverage solutions to protect rental structures and liability exposures. Local property owners rely on their knowledgeable team to navigate the complexities of landlord-specific policies, ensuring both dwellings and income streams remain protected. After an initial phone consultation to discuss property details and coverage needs, an agent will schedule an on-site inspection of the rental unit.
La Grange Inc. assists property owners in the Melville area with securing specialized coverage for their rental properties. The agency focuses on landlord insurance policies, including options for liability protection and property damage coverage tailored to individual portfolios. Policyholders receive guidance on managing risks specific to residential and commercial rentals in the local market. The company serves various commercial sectors, including offices, warehouses, and food service establishments.
Phoenix Agency, Inc. provides residential landlord insurance for property owners in the Melville, NY area, covering risks such as fire and liability for rental dwellings. The agency also arranges commercial coverage for larger apartment buildings and multifamily units throughout the region. Policies are tailored to protect both single-family rentals and mixed-use properties. Clients typically return for policy reviews after each lease renewal or property acquisition, ensuring continuous protection between regular service visits.
What Does a a Landlord Insurance Agent in Melville Cost?
The cost of landlord insurance in Melville, New York typically ranges from $800 to $2,500 per year for a standard single-family rental. Factors include property value, location, coverage limits, and deductible amounts. New York-specific risks like freezing pipes and liability claims can increase premiums. This is general information, not insurance advice.
About landlord insurance agents in Melville
Landlord insurance agents in Melville, New York help property owners protect their rental investments with tailored policies. New York law requires landlords to maintain certain coverages, such as liability insurance, and agents can guide you on meeting these requirements while addressing local risks like winter weather damage. Working with a local agent ensures you understand specific Melville zoning rules and Suffolk County regulations.
Frequently Asked Questions
What does landlord insurance cover in Melville New York?
Landlord insurance typically covers property damage, liability for injuries on the premises, and loss of rental income. In New York, policies often include protection against tenant lawsuits and natural disasters like nor'easters. An agent can help you add endorsements for flood or sewer backup coverage common in Melville.
Do I need landlord insurance for a single-family rental in Melville?
Yes, landlord insurance is strongly recommended for any rental property in Melville. New York law does not mandate it, but mortgage lenders usually require it. It covers risks not included in standard homeowners insurance, such as tenant damage and liability.
How do I choose a landlord insurance agent in Melville?
Look for an agent licensed in New York with experience in rental property insurance. Ask about their knowledge of Suffolk County building codes and local claim trends. Compare quotes from multiple agents to find a policy that fits your property type and budget.
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