The top-rated renters 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 15 renters 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 | AllSafe Insurance Agency | 1175 Sunrise Hwy | (631) 517-1173 |
Sound Harbor Insurance serves Bay Shore and all of Suffolk County as a provider of renters insurance. It helps tenants protect their personal belongings against theft, fire, and water damage from faulty plumbing. Policies may include liability coverage if someone is injured inside a rental unit. Renters often seek this company for affordable plans that safeguard electronics, furniture, and clothing from unexpected loss. The agent also assists clients with filing claims for stolen items or repairing property damaged in a kitchen fire.
Anthony Machiano: Allstate Insurance provides renters insurance coverage in the Bay Shore, NY area, offering policies that protect personal belongings and provide liability protection for tenants. The agency assists clients in selecting appropriate coverage limits and deductibles. Maintenance plans are not standard for rental policies, but the agency helps customers review their coverage annually. It services single-family homes, apartments, retail spaces, and restaurants.
Michael S. Stagnitta - State Farm Insurance Agent in Bay Shore, NY, serves homeowners, renters, and property managers seeking renters insurance. The agency helps customers protect personal belongings and provides liability coverage for apartments, houses, and condos. It also offers guidance on policy limits and deductibles to meet individual needs. This office additionally works with clients in neighboring communities throughout Suffolk County on Long Island.
Bill Dunn - State Farm Insurance Agent serves Bay Shore, New York, and the surrounding communities, handling renters insurance policies for local residents. The agency helps tenants protect their personal belongings and provides liability coverage against common household accidents. Renters insurance typically covers losses from events like fire, theft, or vandalism, and the agent works to tailor policies to individual living situations. Each job receives a straightforward, personalized consultation to assess coverage needs and explain policy options clearly.
Douglas Cortez - State Farm Insurance Agent offers renters insurance in Bay Shore, NY, with services structured around either a one-time policy purchase or a recurring monthly premium billing cycle. Coverage typically protects personal belongings against theft, fire, and certain weather-related damage, often including liability protection for incidents occurring inside the rental unit. Additional living expenses may be covered if the property becomes uninhabitable. For clients requiring flexible protection, this agent provides renters insurance on an as-needed basis, allowing policy adjustments or cancellations as living situations change.
As a renters insurance agent in Bay Shore, NY, ACME Insurance Brokerage of Bay Shore INC. specializes in crafting personal property coverage plans that protect belongings from theft, fire, and water damage. It also provides liability protection for accidents occurring inside a rented home or apartment. Agents here help tenants evaluate their specific inventory and policy limits. During the start of the summer rental season, the agency commonly assists clients with updating coverage to reflect new purchases or seasonal relocations.
As coastal storms become more frequent on Long Island, renters in Bay Shore increasingly seek coverage that protects personal belongings from water and wind damage. Oxford Millin Insurance Agency Ltd meets this need by working with multiple carriers to secure policies tailored for apartment and condo dwellers. Their agents help clients understand liability limits and replacement cost options. New policy discussions typically begin with a brief conversation about a renter’s inventory and budget, followed by a recommendation of suitable coverage levels and a walkthrough of any required property inspection.
C Walsh Agency helps individuals and families in Bay Shore, New York, secure renters insurance to protect personal belongings against theft, fire, and water damage. The company specializes in offering add-ons such as liability coverage for accidents occurring inside a rented home. It also assists with additional protections for high-value jewelry, electronics, and temporary living expenses if a unit becomes uninhabitable. The agency serves a range of commercial sectors, including local offices, warehouses, and food service establishments.
Jay Tee Insurance in Bay Shore, NY assists residents in protecting personal belongings and liability through renters insurance policies. The agency also helps local business owners with commercial coverage options. Services extend throughout Bay Shore and surrounding Suffolk County communities. Clients typically receive guidance tailored to individual rental situations and coverage needs. The agent can review policies with policyholders before renewal, offering follow-up support between regular service visits to address any questions or changes in circumstances.
AllSafe Insurance Agency in Bay Shore, NY is known for helping local renters secure coverage that protects their personal belongings and provides liability protection. Serving tenants throughout the area, the agency works to match each client with a policy that fits their living situation and budget. Renters insurance from AllSafe typically covers losses from theft, fire, and certain water damage, as well as temporary living expenses if a unit becomes uninhabitable. A specialty service it can add on is scheduled personal property coverage for high-value items like jewelry or electronics.
What Does a a Renters Insurance Agent in Bay Shore Cost?
The average cost of renters insurance in New York is around 15 to 30 dollars per month, or 180 to 360 dollars per year. In Bay Shore, rates may vary based on the value of your belongings, your deductible choice, and the crime rate in your neighborhood. Policies with higher liability limits or additional riders for expensive items like jewelry will cost more. This is general information and not insurance advice.
About renters insurance agents in Bay Shore
Renters insurance agents in Bay Shore, New York help tenants protect their personal property and liability. New York law does not require renters insurance, but many landlords in Suffolk County now ask for proof of coverage in lease agreements. An agent can explain how policies cover theft, fire damage, and temporary living expenses if your rental becomes uninhabitable.
Frequently Asked Questions
What does a renters insurance agent in Bay Shore do?
A renters insurance agent helps you find a policy that fits your needs and budget. They explain coverage options like personal property protection and liability insurance. Agents also help you file claims and adjust coverage as your situation changes.
Is renters insurance required by law in New York?
New York state law does not mandate renters insurance for tenants. However, many landlords in Bay Shore and across Long Island now require it in lease agreements. Check your lease to see if you need to show proof of coverage.
How much personal property coverage should I get in Bay Shore?
Most experts recommend enough coverage to replace all your belongings. A typical Bay Shore renter may need 20,000 to 50,000 dollars in personal property coverage. An agent can help you estimate the value of your items based on a home inventory.
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