The top-rated condo insurance agent in Port Washington, New York is Michael Duval - State Farm Insurance Agent, rated 4.9 stars across 64 reviews. Other highly rated options include James Carew: Allstate Insurance, Elias Psarros: Allstate Insurance, Nelson Rivera Jr.: Allstate Insurance. This directory lists 10 condo insurance agents serving Port Washington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michael Duval - State Farm Insurance Agent | 133 Main St | (516) 944-9266 |
| 2 | James Carew: Allstate Insurance | 290 Main St | (516) 900-3090 |
| 3 | Elias Psarros: Allstate Insurance | 14 Vanderventer Ave Ste 125 | (516) 247-4175 |
| 4 | Nelson Rivera Jr.: Allstate Insurance | 65 Manorhaven Blvd | (516) 674-0600 |
| 5 | Phillips General Insurance Agency | 180 Main St | (516) 489-9800 |
| 6 | Total Dollar Insurance | 1 Pleasant Ave | (516) 833-1555 |
| 7 | Acrisure Port Washington, NY (Folan Agency Ltd.) | 378 Port Washington Blvd | (516) 267-6104 |
| 8 | Professional Insurance Consultants Inc. | 334 Main St | (516) 767-7200 |
| 9 | Rivera Agency | 65 Manorhaven Blvd | (516) 883-6100 |
| 10 | Globe Realty & Insurance | 158 Main St | (516) 944-7520 |
Michael Duval - State Farm Insurance Agent serves Port Washington, New York, and the surrounding Nassau County area, providing condo insurance solutions tailored to individual unit owners. Policies from this agency help cover interior walls, personal property, and liability against incidents occurring within a condominium. The agent works with clients to understand master policy obligations and fill coverage gaps for improvements or loss assessments. Michael Duval - State Farm Insurance Agent specifically handles loss assessment coverage and personal liability protection for local condo owners.
James Carew: Allstate Insurance provides a range of services for condo insurance in Port Washington, New York, including coverage for personal property, liability protection, and loss assessment. Its service plans focus on helping policyholders review their building’s master policy to avoid coverage gaps and select appropriate endorsements for interior improvements. The agency assists with claims reporting and policy adjustments as needed. It services single-family homes, apartments, retail spaces, and restaurants.
Elias Psarros: Allstate Insurance serves condo owners and property managers in the Port Washington area, offering policies that cover individual unit interiors, liability protection, and loss assessment for shared building elements. The agency helps clients navigate coverage options that complement master building policies, addressing risks like water damage and personal property loss. It provides guidance on policy customization and scheduled endorsements for valuables. The agency also serves homeowners and renters in nearby Great Neck and surrounding communities within Nassau County.
Serving Port Washington and the surrounding North Shore communities, Nelson Rivera Jr.: Allstate Insurance provides condo insurance policies for local owners and boards. It handles coverage for individual units, common areas, and liability risks specific to condominium living. To manage a typical policy, the agent first assesses the client’s master association requirements and personal property needs. It then presents a tailored plan that balances adequate protection with the local market’s typical policy limits and deductible options.
Phillips General Insurance Agency provides condo insurance in Port Washington, NY, distinguishing between one-time policies for individual unit purchases and recurring annual coverage that adapts to evolving condo association requirements. Coverage typically protects interior structures, personal belongings, and liability against common-area incidents. Service operates on a one-time foundation for initial policy setup, then follows a scheduled renewal cycle each year or as needed when residents upgrade their unit or change occupancy terms.
Total Dollar Insurance specializes in condo insurance policies that protect individual unit owners in Port Washington, NY. The agency helps clients assess their personal liability needs and coverage for interior fixtures and improvements. It works with local carriers to tailor policies that complement the master building insurance. In winter, it assists condo owners with ensuring their coverage adequately addresses ice dam damage and frozen pipe repairs that may affect interior walls and flooring.
With the arrival of winter or spring storms, coastal condos in Port Washington often need fresh insurance reviews. Acrisure Port Washington, NY (Folan Agency Ltd.) specializes in evaluating such property risks and ensuring unit owners meet their building’s master policy requirements. The process is straightforward: clients provide their current declaration page and condo association bylaws, then an agent reviews common wall and liability coverage gaps. The first step is scheduling a brief property inspection to note safety features like smoke detectors and secure entrances.
Professional Insurance Consultants Inc. works with individuals and property associations in Port Washington, New York, to secure appropriate residential coverage for their specific needs. The agency specializes in policies tailored for condominium owners, addressing the unique requirements that arise from shared building ownership and common area responsibilities. Its advisors focus on helping clients understand the gap between a master policy and personal unit protection. The firm serves local professionals operating out of nearby commercial spaces, including offices, warehouses, and food service establishments.
Rivera Agency provides residential condo insurance services to clients in Port Washington, New York, and also offers commercial coverage for local businesses in the surrounding area. This agency works with property owners to help them understand the specific requirements of condominium policies. They focus on evaluating individual unit needs and common area protections for each client’s unique situation. After completing an initial policy setup, they can reach out for follow-up service between regular visits to ensure any changes in coverage are addressed promptly.
Globe Realty & Insurance, based in Port Washington, NY, is known for providing condo insurance coverage tailored to the unique needs of local unit owners. Its services include protecting personal property against theft and damage while addressing the shared risks tied to common building areas and association bylaws. The agency assists clients in navigating policy gaps between master and individual plans. As a specialty, it can secure additional coverage for expensive upgrades or improvements made inside a unit.
What Does a a Condo Insurance Agent in Port Washington Cost?
Condo insurance agents in Port Washington typically help you find policies costing between 200 and 600 dollars per year for standard HO-6 coverage. Costs depend on your unit value, location near the water, deductible choice, and coverage limits. New York coastal areas may have higher windstorm premiums. This is general information and not insurance advice.
About condo insurance agents in Port Washington
Condo insurance agents in Port Washington, New York help owners understand the gap between the condo association master policy and personal coverage needs. New York law requires condo owners to carry their own HO-6 policy to cover interior fixtures, personal property, and liability. A local agent can explain how the New York Real Property Law affects your unit coverage and loss assessment responsibilities.
Frequently Asked Questions
What does condo insurance cover in Port Washington New York?
A standard HO-6 policy covers personal property, interior walls and fixtures, personal liability, and loss of use. It also provides loss assessment coverage for charges from the condo association, which is important under New York law.
Do I need condo insurance if the master policy covers the building?
Yes. The master policy typically covers the building structure and common areas, but not your personal belongings, interior upgrades, or liability. New York law does not require condo owners to have insurance, but most lenders will require it for a mortgage.
How does New York law affect my condo insurance deductible?
New York Insurance Law Section 3411 requires that condo master policies have a minimum deductible of 1 percent of the insured value for windstorm and hail claims. Your personal HO-6 policy should cover this deductible if the association charges you for it.
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