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Welcome to Homeowners Insurance Solutions

Long Island & New York Home Insurance

We specialize in homeowners and flood insurance on Long Island and in New York State. We provide catered coverages, competitive pricing, and A+ AM Best rated carriers for Nassau and Suffolk county homeowners. Coastal issues, prior claims, cancellations, and non-renewals are not a problem. We have the admitted companies that want the business of north and south shore homeowners. Whether you own a high value waterfront home, a coastal secondary home, or typical family home we have customized programs to suit any of your needs.

As a family owned independent insurance agency on Long Island since 2001 we have secured the insurance marketplace for our clients. Extensive knowledge of the unique needs of our high net worth clientele renders us a leader in high value homeowners insurance in the Hamptons and on the east end of long island. With our enhanced homeowners and automobile packages we can provide you coverages that will broaden your protection and deliver optimal savings at the same time. Whether we match you with multiple insurance coverages or package your coverage with one company, you can be assured we are working hard to provide you the best overall insurance program with optimal savings.

All of our Insurance agents are licensed and continually update their industry knowledge via continuing education classes and insurance seminars. They are knowledgeable in all areas of insurance and financial products such as homeowners insurance and flood insurance throughout Nassau and Suffolk counties in Long Island NY.

Our agency has more than 150 years combined insurance experience. We represent most of the major homeowners insurance carriers writing homeowners insurance in New York. If you would like a quote or just have a question call (631)782-3175

High Value Homeowners Insurance Carriers: Pure Insurance - AIG – The Cincinnati Insurance Companies

Bundle Your Policies to Maximize Savings!

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Providing Homeowners Insurance to NY and Long Island Since 2001

Helpful Homeowners Insurance Articles

Is Your Home Insurance Too High?

You’re not the first person to look at their insurance policy and realize that your property’s insured value is too high. In fact, two out of three homes in the US are underinsured, yet there are still plenty of people who believe they’ve over insured their home. We’re not saying this may not be the case, but the only real way of finding that out is by reviewing the value listed on your policy (usually called Dwelling limit or Coverage A) on a yearly basis. This way, you’ll be able to know whether your home is properly insured.

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11 Methods To Effectively Lower Your Homeowners Insurance Costs

Based on the insurance company you’re going to purchase your policy from, the price you pay for your homeowners insurance policy can range quite a bit. Therefore, if you plan on getting one soon, but you don’t want to pay top dollar for it, here are some of the best ways you can get great coverage without breaking the bank.

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7 Important Steps to Filing a Successful Homeowners Insurance Claim

Any peril which is covered under an insurance policy that occurs in your home, has to be paid out by your insurer; but the first step is the claim filing process. The first step to take is to notify your agent in writing, at the first possible moment. A policy is a contract which is binding between you and your insurer; this means there are rules in place you have to follow, but also rules they have to follow if an accident does take place. It is also important to read and fully understand the policy, to ensure you know what is and isn’t covered.

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How To Choose a Deductible for Your Homeowners Insurance

One crucial factor that directly influences whether people can make the most of their NY home insurance policy or not is the type of deductible they choose. Since each homeowners policy comes with a deductible, consumers should have the knowledge necessary to make an informed insurance purchase. To help make the best decision we’ve come up with the following guide.

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Your Home Insurance Premiums Could Be Increasing: Here’s Why

You know those “fun” things in your home, they are also the nuisances an insurance company considers extremely risky, equating to a costly risk. A dog, believe it or not, is one of the costliest nuisances. A swimming pool is another well known reason your rates jump on a policy premium. Not only are they dangerous for the kids, but also visitors who use your pool (with or without permission).

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Coastal Insurance Welcomes Cincinnati Insurance to NY’s High Value Homeowners Insurance Marketplace

Coastal Insurance Solutions is pleased to announce it’s agency partnership with Cincinnati Insurance Company, one of the top 25 property & casualty insurers in the U.S. Cincinnati recently joined the high-end, high value homeowners insurance marketplace on Long Island in New York, an area that Coastal Insurance has been a leader in for more than a decade.

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5 Insurance Types That May Offer Veterans Discounts and Benefits

For those who are on active duty or have served in the military there are certain insurance policies which will afford you a discount for your service. These are five common policies which veterans receive a discount for in terms of coverage and protection.

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How To Choose a Deductible for Your Homeowners Insurance

One crucial factor that directly influences whether people can make the most of their NY home insurance policy or not is the type of deductible they choose. Since each homeowners policy comes with a deductible, consumers should have the knowledge necessary to make an informed insurance purchase. To help make the best decision we’ve come up with the following guide. First of all, it’s imperative to define what a deductible is. A deductible is a specific amount of money that someone who has purchased a homeowner insurance policy is required to pay from personal funds towards a loss or damages before his insurance company is going to pay for a claim.

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7 Factors that Affect Your NY Home Insurance Premium

If your house is older and has not undergone renovations in the recent past, then it will be more costly to insure than a newer home whose HVAC, plumbing and electrical systems have been updated most recently. In addition, building materials may also have an impact on your final cost of insurance premium due to the fact that certain options, for instance wood, are more vulnerable to fire than brick or concrete.

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Top 5 Insurance Tips For The First Time Home Buyer

Buying your first home is undoubtedly a very exciting time for a lot of people and it’s understandable that you may feel overwhelmed during the entire process. In all this excitement, what are you going to do first: chase the right mortgage or look for the best property? On top of that, where would a real estate agent fit into the picture? Because there are so many things to keep in mind, a large percentage of first time property buyers don’t even take finding the right NY Homeowners Insurance into account when buying their first home, because they have no idea how important it is to closing on their property.

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ACE Insurance Group acquires Chubb & Fireman’s Fund High Net Worth insurance portfolio, what does this mean to your policies?

The Fireman’s Fund Insurance Co. has sold its high net worth personal lines insurance portfolio to ACE Ltd. for $365 million. This figure includes not only the reinsurance of existing liabilities but also renewal policy rights.  More importantly, it marks the end of the century-old brand name that was The Fireman’s Fund Insurance Company…

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What New York Homeowners Need to Know about Home Insurance

When buying a home in New York, there’s a lot to learn and deal with. This is equally true when it comes to learning about homeowners insurance. It’s 2015, and there’s no time to be dealing with purchasing a sub-par policy, or getting a an online home insurance quote that isn’t what you’re looking for. There are many local and national home insurance companies that are…

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How to Find the Best Homeowners Insurance in New York

Finding the best homeowners insurance in New York (NY) can be a daunting task. What really is the “best”? Is it the lowest price? Is it the highest rated company by AM Best? Let’s clarify “the best” …..What you really want is the “best” deal or the lowest premium for the highest value product. There’s good news, New York has one of the most competitive insurance markets…

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Home Insurance Claims: When to Make Them

The company you’ve paid to protect you can become your adversary. While it’s the insurer’s job to restore you financially, it’s your job to prove your losses. And your perspective on what’s fair compensation won’t always jibe with your insurer’s. The more information you can provide on your claim, the more likely you’ll get your due. If you’ve taken the steps outlined in this lesson, you shouldn’t need outside help in filing your claim…

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5 Ways to Find the Most Affordable Homeowners Insurance

Many of my clients look at their homeowners insurance renewals each year and don’t stop to shop the market, often losing out on significant savings. Use these tips to keep your homeowners insurance premiums low and affordable…

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Manhattan Home Insurance Policies

In New York City and Manhattan , most people live in cooperatives (co-ops), condominiums (condos), or rent a unit in an apartment building. Whether you own a Condo, a Co-op, a house, or rent in NYC you will still need a form of homeowners insurance. Let’s take a look at the different types of homeowner’s policies available in New York City and see which is one is designed best for your situation…

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