Integrated Coverage Group Inc.
20 Hempstead Tpke, Unit B, Farmingdale, NY 11735
View this agency's profile to learn more about their services.
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Farmingdale households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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20 Hempstead Tpke, Unit B, Farmingdale, NY 11735
View this agency's profile to learn more about their services.
20 Hempstead Turnpike, Farmingdale, NY 11735
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Farmingdale residents.
Farmingdale home insurance costs $1,200-$1,600/year. Learn about coastal storm coverage, flood insurance needs, and savings for Nassau County homeowners.
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General Insurance EducationComplete insurance guide for Farmingdale, NY residents. Learn about auto, home, renters coverage near Republic Airport & SUNY Farmingdale. Expert tips inside.
Nassau County homeowners typically pay between $1,200 and $1,600 annually for home insurance, though rates vary based on your home's value, age, location, and claims history. Long Island properties generally cost more to insure than the New York state average due to coastal storm exposure and higher property values. Homes closer to the south shore or with prior storm damage claims may face even higher premiums.
If your home is in a FEMA Special Flood Hazard Area (zones A, AE, AH, AO, V, or VE) and you have a federally-backed mortgage, flood insurance is mandatory. Even if not required, it's worth considering since about 34% of Long Island properties face flood risk over the next 30 years. Flood coverage averages around $700 per year in Nassau County and isn't included in standard homeowners policies.
Your premium depends on several factors: your home's age and construction type, proximity to fire stations, claims history (especially storm-related claims), coverage limits you select, and your deductible amount. Farmingdale's median home value of nearly $700,000 means you'll need higher dwelling coverage, which increases premiums. Properties with updated roofs, electrical systems, or storm protection features may qualify for discounts.
Standard homeowners insurance covers wind damage from hurricanes but not flooding. If hurricane winds tear off your roof or break windows, that's covered. However, if storm surge or heavy rain causes flooding, you need separate flood insurance. Some policies have percentage-based wind deductibles (often 2% of your home's insured value) rather than flat dollar amounts for named storm damage.
The most effective strategy is bundling home and auto insurance with the same company for 15-25% discounts. Installing storm shutters, updating your roof, modernizing electrical or plumbing systems, and adding security systems can all reduce premiums. Increasing your deductible and maintaining a claims-free history also help. Since at least 30 insurers operate in Nassau County, comparing quotes ensures competitive pricing.
Market value is what your home would sell for, including land value and market conditions. Dwelling coverage (replacement cost) reflects what it would actually cost to rebuild your home using current construction prices and meeting local building codes—this is typically what you need to insure. With Farmingdale's competitive real estate market, your dwelling coverage amount should be based on rebuilding costs, which may differ significantly from your purchase price.
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