The top-rated home insurance agent in Smithtown, New York is Jennifer O'Brien - State Farm Insurance Agent, rated 4.9 stars across 780 reviews. Other highly rated options include Joe Aguirre - State Farm Insurance Agent, AAA Smithtown, Lynne Barnhardt - State Farm Insurance Agent. This directory lists 16 home insurance agents serving Smithtown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jennifer O'Brien - State Farm Insurance Agent | 550 Smithtown Bypass 2nd Fl Suite 114 | (631) 724-0002 |
| 2 | Joe Aguirre - State Farm Insurance Agent | 61 W Main St | (631) 265-3880 |
| 3 | AAA Smithtown | 729 Smithtown Bypass | (631) 393-7613 |
| 4 | Lynne Barnhardt - State Farm Insurance Agent | 58 N Country Rd | (631) 265-5030 |
| 5 | Philip Forte: Allstate Insurance | 310 Maple Ave | (631) 346-6400 |
| 6 | Platinum Insurance Group | 111 E Main St | (516) 621-2436 |
| 7 | Jeff Troiano: Allstate Insurance | 25 Manor Rd | (631) 724-2100 |
| 8 | Zachary Millian: Allstate Insurance | 360 E Jericho Tpke | (631) 656-7856 |
| 9 | Takach & Associates, Inc | 112 Terry Rd | (631) 366-2774 |
| 10 | Antos Agency Inc | 158 Terry Rd | (631) 360-3737 |
Jennifer O'Brien - State Farm Insurance Agent serves the Smithtown, New York area, offering home insurance policies that protect residential property and personal belongings. The agency works with clients to assess coverage needs, including protection against common local risks like storms and water damage. Tailored policies aim to provide financial security for homeowners in the community. Additionally, the office handles umbrella insurance and renters insurance to complement standard homeowners coverage.
Serving homeowners, renters, and landlords throughout Smithtown, Joe Aguirre - State Farm Insurance Agent provides home insurance policies designed to protect local properties and personal assets. The agency helps clients assess their coverage needs, from dwelling protection to liability and personal property options. They guide policyholders through claims and offer bundled discounts for auto and life coverage. This office also serves residents and property owners in nearby Commack and the greater Hauppauge area.
AAA Smithtown in Smithtown, NY, provides a full range of home insurance agency services, including policy selection, risk assessment, and claims assistance. Its service plans focus on helping local homeowners review coverage options annually and adjust limits for changing needs. Maintenance plans are not offered, as home insurance protects against unexpected damage rather than routine upkeep. The agency serves various properties such as single-family homes, apartments, retail spaces, and restaurants in the Smithtown area.
Lynne Barnhardt - State Farm Insurance Agent serves Smithtown, NY and the surrounding communities, handling home insurance policies tailored to protect local residential properties. The agency addresses common coverage needs such as dwelling protection, personal liability, and protection for personal belongings like furniture and electronics. It also works with clients to select deductibles and coverage limits that fit individual circumstances. For a typical job, it reviews a home’s specific risks and local weather patterns to recommend a suitable policy.
Philip Forte: Allstate Insurance provides the option of a one-time policy for seasonal or secondary residences or a recurring standard homeowners plan for year-round protection. Coverage typically addresses dwelling, personal property, and liability, with additional endorsements available for high-value items or natural disasters. Services are offered on an as-needed basis, whether for obtaining an initial quote, adjusting existing coverage after a renovation, or filing a claim after unexpected damage.
Platinum Insurance Group of Smithtown, NY, specializes in tailoring coverage for homeowners, from standard policies to protection for high-value properties and secondary residences. The agency conducts thorough reviews of each client’s individual needs, helping to match them with suitable insurance carriers for their specific risks. As severe storms and winter freeze events are common on Long Island, this agent frequently assists local families in securing adequate coverage for storm damage and burst pipes.
After a heavy storm or seasonal freeze, Smithtown homeowners often face unexpected roof leaks or siding damage. Jeff Troiano Allstate Insurance provides home insurance agency services to help local residents protect their properties against such weather-related risks. The company works with clients to assess coverage needs based on their home’s age, location, and typical regional hazards. To begin the process of securing or updating a policy, the agent schedules a walk through of the home exterior to inspect vulnerable points.
Zachary Millian: Allstate Insurance works with homeowners in Smithtown, NY, helping them protect their properties against common regional risks. This office can tailor policies to include add-ons such as coverage for valuable personal items, additional living expenses during repairs, and liability protection. It serves a variety of commercial sectors, including home-based offices, small warehouses, and food service establishments that require property and general liability insurance.
Takach & Associates, Inc provides home insurance for residences in Smithtown, NY. The agency also assists with commercial coverage for local businesses in the surrounding area. Clients often receive explanations of standard policy options and local risk factors during consultations. New homeowners and those updating existing policies frequently contact the agency for plan reviews. After policy setup, the firm typically follows up to ensure ongoing satisfaction and shares reminders for annual policy checkups between regular visits.
Antos Agency Inc is known in Smithtown, NY, for providing standard homeowners insurance policies that protect against common property risks. Its service range includes liability coverage and dwelling protection designed for local residential needs. The agency works with clients to evaluate home values and asset exposures before recommending appropriate policy limits. Yearly policy reviews are offered to adjust for renovations or market changes. As a specialty add-on, Antos Agency Inc can secure extended replacement cost coverage for historic or custom-built homes in the Smithtown area.
What Does a a Home Insurance Agent in Smithtown Cost?
In New York, the average annual home insurance premium is around 1,300 dollars for a standard policy, but costs in Smithtown can range from 900 to 2,500 dollars depending on your homes age, location, and coverage limits. Factors like proximity to the coast and the homes replacement cost also affect the price. This is general information, not insurance advice.
About home insurance agents in Smithtown
A home insurance agent in Smithtown, New York can help you find a policy that meets your needs. New York state law requires insurers to offer coverage for fire and theft, but agents can also add protection for flooding or wind damage common on Long Island. Working with a local agent ensures you understand your policy limits and deductibles.
Frequently Asked Questions
What does a home insurance agent in Smithtown do?
A home insurance agent helps you compare policies from different carriers to find the right coverage for your home. They explain policy terms, deductibles, and exclusions. Agents also assist with filing claims and updating your coverage as needed.
Is flood insurance required in Smithtown New York?
Flood insurance is not required by New York state law, but mortgage lenders may require it if your home is in a flood zone. Many Smithtown homes near the Nissequogue River or Long Island Sound are in high-risk areas. An agent can help you purchase a separate flood policy through the National Flood Insurance Program.
How do I choose a home insurance agent in Smithtown?
Look for an agent licensed in New York with experience handling claims on Long Island. Check their reviews and ask about the insurance companies they represent. A good agent will explain New York specific rules, such as the 30 day grace period for premium payments.
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