The top-rated home 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 19 home 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 | Coverland Brokerage Inc | 555 Broadhollow Rd #117 | (516) 696-3590 |
| 6 | Plan Medicare - Long Island Medicare Agent | 48 S Service Rd Suite 400 | (516) 900-7877 |
| 7 | YZ Insurance Group | 555 Broadhollow Rd # 303 | (516) 464-2100 |
| 8 | The Modern Medicare Agency | 445 Broadhollow Rd #25 | (631) 387-4403 |
| 9 | ASAP Insurance Brokerage | 200 Broadhollow Rd Suite 207 | (888) 205-6660 |
| 10 | MICHAEL M INSURANCE SERVICES | 445 Broadhollow Rd #25 | (631) 774-3786 |
First Heritage Insurance Agency serves the Melville, New York area as a home insurance agent. The company helps local homeowners find appropriate coverage for their properties with standard policies. It works with clients to understand different policy types that protect against common regional risks. The agency guides customers through the process of selecting a plan that fits their needs. In this area, common specific services include assisting with wind and hail coverage endorsements for Long Island homes.
PRK Insurance Agency Inc provides a full range of home insurance options for homeowners in Melville, NY. Its services include helping clients select appropriate coverage for property damage, liability, and personal belongings. The agency assists policyholders in understanding and maintaining their plans over time, ensuring coverage remains suitable for changing needs. It services a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, renters, and condo owners in Melville, New York seek tailored coverage from Brian M. Gill - State Farm Insurance Agent for their home and personal property protection. The agency helps clients understand the scope of their homeowners insurance, including coverage for dwelling, liability, and additional structures on the property. They assist with policy reviews to ensure adequate limits and deductibles match individual needs. Their services also extend to neighboring communities throughout central Long Island, such as Huntington Station and Dix Hills.
Clarity Insurance Agency serves homeowners throughout Melville, New York, and the surrounding Long Island communities. It handles essential home insurance policies, including coverage for dwellings, personal property, and liability protection. The agency works to explain policy options clearly to each customer. For a typical job, it begins by assessing a client’s property and individual needs, then compares coverage solutions from its network of carriers to recommend a suitable policy.
Coverland Brokerage Inc in Melville, NY specializes in coverage for homeowners, renters, and landlords, tailoring policies to individual property needs. It also provides general risk consultations to help clients assess and adjust their liability and dwelling protection. Beyond standard residential services, the agent assists with local concerns such as storm damage from nor’easters or snowmelt flooding, guiding homeowners through claims and policy adjustments for seasonal weather exposure common to Long Island.
As winter storms and seasonal weather affect homes on Long Island, residents in Melville look for coverage that protects their property against common regional risks. Plan Medicare - Long Island Medicare Agent assists homeowners by reviewing existing policies and explaining available options for dwelling, personal property, and liability protection. This home insurance agent serves clients who want guidance on deductibles and coverage limits suited to local conditions. An initial consultation typically begins with a personal assessment of the home and the homeowner’s specific insurance needs.
YZ Insurance Group of Melville, NY helps homeowners distinguish between a one-time policy review and ongoing, recurring coverage management for ongoing protection. The agency assists clients in tailoring home insurance packages to cover dwelling, personal property, and liability. Service runs on an as-needed basis for policy modifications or claims, with scheduled annual reviews also available to ensure coverage keeps pace with property value changes.
The Modern Medicare Agency assists clients in Melville with securing home insurance policies that protect residential property and personal belongings. It specializes in offering optional coverage endorsements for high-value items such as jewelry or electronics. Policies typically include liability protection and reimbursement for additional living expenses after a covered loss. The agency also serves local commercial sectors, providing tailored insurance solutions for offices, warehouses, and food service operations.
ASAP Insurance Brokerage provides residential home insurance services to property owners in Melville, New York. This agency also offers commercial coverage for small businesses and local landlords throughout the broader Long Island region. The team assists clients with policy reviews and customized coverage options to protect assets against common regional hazards. Follow-up consultations are available for updates to existing policies, and repeat service arrangements can be made between regular annual reviews to adjust for renovations or new property acquisitions.
What Does a a Home Insurance Agent in Melville Cost?
Typical home insurance costs in New York range from 800 to 2,500 dollars per year for standard coverage. Rates in Melville may be higher due to local weather risks and property values. Your actual cost depends on your homes specific features and coverage limits. This is general information, not insurance advice.
About home insurance agents in Melville
Home insurance agents in Melville, New York help residents find coverage for their homes and personal property. New York law requires insurers to offer replacement cost coverage for dwelling policies. An agent can explain policy options and help you meet local requirements.
Frequently Asked Questions
What does a home insurance agent in Melville do?
A home insurance agent helps you compare policies from different companies to find coverage that fits your needs. They explain terms like dwelling coverage, personal property limits, and liability protection. They also assist with claims and policy changes.
Is home insurance required in New York?
New York state does not legally require home insurance for homeowners. However, mortgage lenders almost always require it as a condition of the loan. Flood insurance may be required in certain flood zones.
What factors affect home insurance cost in Melville?
Costs depend on your homes age, construction type, location, and proximity to fire stations. Your credit score and claims history also matter. New York law allows insurers to use credit-based insurance scores.
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