The top-rated landlord 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, Lynne Barnhardt - State Farm Insurance Agent, Philip Forte: Allstate Insurance. This directory lists 17 landlord 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 | Lynne Barnhardt - State Farm Insurance Agent | 58 N Country Rd | (631) 265-5030 |
| 4 | Philip Forte: Allstate Insurance | 310 Maple Ave | (631) 346-6400 |
| 5 | Platinum Insurance Group | 111 E Main St | (516) 621-2436 |
| 6 | Jeff Troiano: Allstate Insurance | 25 Manor Rd | (631) 724-2100 |
| 7 | Zachary Millian: Allstate Insurance | 360 E Jericho Tpke | (631) 656-7856 |
| 8 | Takach & Associates, Inc | 112 Terry Rd | (631) 366-2774 |
| 9 | Antos Agency Inc | 158 Terry Rd | (631) 360-3737 |
| 10 | Central Insurance Agency | 93 E Main St | (877) 242-9600 |
Jennifer O'Brien - State Farm Insurance Agent serves the Smithtown, New York area as a landlord insurance agent. The agency helps rental property owners secure coverage for their investment properties in the local market. Its services include policies that protect against property damage from common perils and liability claims from tenants or visitors. The firm also handles loss of rental income coverage to support landlords when a unit becomes uninhabitable.
Joe Aguirre - State Farm Insurance Agent in Smithtown, NY, provides tailored landlord insurance coverage options. The agency typically assists property owners in protecting their investments through comprehensive policy evaluations. Regular service consultations ensure coverage aligns with evolving property needs and local regulations. The agent serves a diverse range of real estate holdings, including single-family homes, apartments, and commercial spaces such as retail storefronts and restaurants.
Lynne Barnhardt - State Farm Insurance Agent in Smithtown, NY, serves homeowners, landlords, and property managers who need coverage for rental dwellings. The agency helps clients secure landlord insurance policies that protect against property damage and liability claims common in the local residential rental market. They assist with identifying appropriate deductibles and coverage limits for single-family homes and multi-unit properties. Their services extend to neighboring communities throughout Suffolk County, including Hauppauge and neighboring areas of Long Island.
Philip Forte: Allstate Insurance serves Smithtown, New York, and its surrounding communities, handling landlord insurance needs for residential rental properties. The agency assists property owners with coverage options that address liability protection and property damage from tenant incidents or natural events. It also manages single-family rentals and small multi-unit dwellings found throughout the local market. Each policy is reviewed to match a property’s specific use and risk profile, and claims are processed with direct attention from a local agent who coordinates the necessary steps.
As a landlord insurance agent in Smithtown, NY, Platinum Insurance Group addresses both one-time policy placements for single properties and recurring coverage options for landlords expanding their portfolios. Their services focus on protecting rental properties from common risks such as property damage or liability claims. Coverage is structured to meet the varying needs of local landlords, and service runs on either a one-time basis for initial policy setup or as-needed for policy renewals and modifications.
Jeff Troiano: Allstate Insurance in Smithtown, NY provides specialized landlord insurance services, including property and liability coverage for rental dwellings. Its team works with local property owners to assess risk for single-family rentals and multi-unit buildings. The agency develops policies that address common concerns for landlords in the Smithtown area. It helps clients navigate coverage needs ahead of each seasonal turnover period, such as preparing for winter weather damage or tenant move-in cycles.
As the busy rental season approaches in Smithtown, property owners look to securely cover their investments. Zachary Millian: Allstate Insurance offers landlord insurance policies that address risks such as property damage and liability for rental homes in the area. The agent explains coverage for fire, weather events, and loss of rental income to help local landlords protect their cash flow. An initial assessment of the property begins with a free consultation to review specific needs and property details.
Takach & Associates, Inc serves as a landlord insurance agent in Smithtown, NY, arranging policies that protect rental property owners from liabilities and property damage. Their specialty add-ons can include coverage for loss of rental income and protection against vandalism or tenant-caused damage. The agency works with clients who own residential apartments or commercial rental spaces. It can serve various commercial sectors, including offices, warehouses, and food service establishments.
Antos Agency Inc in Smithtown, NY provides residential landlord insurance services for single-family rental properties. The company also offers commercial landlord insurance coverage to protect larger multi-unit buildings and mixed-use properties throughout the Smithtown area. Helpful risk management advice is typically provided to property owners when policies are written. Follow-up service and coverage reviews are available between regular policy visits to address changing rental situations.
Central Insurance Agency, based in Smithtown, NY, is known for providing landlord insurance coverage tailored to property owners. The agency helps clients secure policies that protect rental dwellings, liability exposure, and potential loss of rental income. Local landlords rely on its guidance for navigating coverage requirements specific to multi-family homes and single-unit rentals in the area. These policies often include property damage protection and legal liability defense. The agency also offers an add-on service for ordinance or law coverage, addressing increased construction costs after a covered loss.
What Does a a Landlord Insurance Agent in Smithtown Cost?
Typical costs for landlord insurance in New York range from 15 to 30 percent more than standard homeowners insurance. For a Smithtown rental property, annual premiums often fall between 800 and 1,500 dollars depending on property value and location. Factors like the number of units and coverage limits also affect the price. This is general information, not insurance advice.
About landlord insurance agents in Smithtown
A landlord insurance agent in Smithtown, New York helps property owners protect their rental investments. New York law requires landlords to maintain certain insurance standards, and an agent can explain how local regulations affect your policy. Working with a Smithtown agent ensures you understand coverage for liability, property damage, and loss of rental income.
Frequently Asked Questions
What does a landlord insurance agent in Smithtown do?
A landlord insurance agent in Smithtown helps you find a policy that covers your rental property. They explain coverage options like liability protection and dwelling coverage. They also advise on New York specific requirements such as fire safety compliance.
Is landlord insurance required by law in New York?
New York law does not require landlord insurance by statute, but mortgage lenders often mandate it. A Smithtown agent can help you meet lender requirements and protect against common risks like tenant injury or property damage.
How does New York law affect landlord insurance in Smithtown?
New York has strict liability laws for property owners, including the requirement to maintain safe premises. A local agent can help you get coverage that addresses these legal duties. Smithtown agents also know local building codes and weather risks.
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