Epic Consulting Agency Inc. Insurance
246 Scherer Blvd, Franklin Square, NY 11010
View this agency's profile to learn more about their services.
Loading...
City directory
Franklin Square households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
246 Scherer Blvd, Franklin Square, NY 11010
View this agency's profile to learn more about their services.
120 Franklin Ave, Franklin Square, NY 11010
View this agency's profile to learn more about their services.
695 Hempstead Tpke, Franklin Square, NY 11010
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Franklin Square residents.
Franklin Square homeowners face coastal storm risks and higher premiums. Learn coverage essentials, flood insurance needs, and ways to save on Long Island.
Car InsuranceGet the complete guide to auto insurance in Franklin Square, NY. Learn about no-fault coverage, 25/50/10 minimums, Nassau County rates, and how to save.
Yes, it's strongly recommended. While Franklin Square isn't directly coastal, heavy rainfall and storm surge during hurricanes and nor'easters can cause flooding even in areas outside FEMA-designated zones. More than 25% of flood claims come from moderate-to-low risk areas. A standalone flood policy for homes outside high-risk zones typically costs $400-$900 annually and covers damage your homeowner's policy excludes entirely.
Franklin Square's location on Long Island means higher exposure to coastal storms, hurricanes, and wind damage, which increases insurance risk. Additionally, many homes date from the 1950s-1960s with aging systems that are more prone to claims. Nassau County's high property values also mean higher replacement costs. These factors combine to push premiums above the state average.
Absolutely. Replacing outdated systems like knob-and-tube wiring or Federal Pacific panels can reduce your premium by 10-25% and make your home eligible for better insurance carriers. Many insurers won't quote homes with these systems at all due to fire risk. Beyond savings, these updates protect your family and make your home more valuable.
Standard deductibles are typically flat amounts ($500-$2,500) that apply to most claims. Wind and hail deductibles are often separate and calculated as a percentage of your dwelling coverage (1-5%), meaning if you have $400,000 in dwelling coverage and a 2% wind deductible, you'd pay $8,000 out of pocket for storm damage before coverage kicks in. This is critical to understand before a hurricane hits.
Don't settle for the minimum $100,000. Nassau County's high income levels and expensive medical care mean greater liability exposure if someone is injured on your property. Most insurance experts recommend at least $300,000-$500,000 in liability coverage, which costs relatively little to add. For comprehensive protection, consider a $1-2 million umbrella policy, which provides additional liability coverage above your home and auto policies.
Generally, avoid filing claims for damage below $2,500-$5,000 if you can afford to pay out of pocket. Multiple claims, even small ones, can lead to non-renewal or significant premium increases. Your insurance should protect you from catastrophic losses, not routine maintenance issues. Staying claims-free for three or more years typically qualifies you for claims-free discounts that offset the cost of handling minor repairs yourself.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network