A&A Agency Inc.
1225 Franklin Ave, Ste 325, Garden City, NY 11530
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1225 Franklin Ave, Ste 325, Garden City, NY 11530
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900 Stewart Avenue, Suite 120, Garden City, NY 11530
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1225 Franklin Avenue, Suite 325, Garden City, NY 11530
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1325 Franklin Ave, Suite 255, Garden City, NY 11530
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377 Oak St, Suite 404, Garden City, NY 11530
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825 E Gate Blvd, Ste 305, Garden City, NY 11530
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900 Stewart Ave, Ste 230, Garden City, NY 11530
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1205 Franklin Ave, Ste 102, Garden City, NY 11530
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377 Oak Street, Suite 301, Garden City, NY 11530
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111 Seventh St., Ste. 310, Garden City, NY 11530
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Learn about insurance coverage options specific to Garden City residents.
Garden City homeowners pay $1,400-$2,200/year for insurance. Learn about nor'easter protection, historic home coverage, and flood insurance for Long Island.
Car InsuranceGarden City drivers pay $189-$408/month for car insurance. Learn why Long Island rates are high and how bundling, multi-car discounts save you money.
General Insurance EducationComplete insurance guide for Garden City, NY residents. Learn about auto minimums, homeowners coverage for $1M+ homes, flood insurance, and umbrella policies.
Car InsuranceGarden City auto insurance costs $1,800-$2,400/year. Learn about NY no-fault requirements, LIRR commuter discounts, and how to save on coverage.
Garden City homeowners typically pay $1,400 to $2,200 annually for home insurance, significantly higher than New York's state average of $1,229. The elevated cost reflects Garden City's high property values (median home prices exceed $1.5 million), coastal location with nor'easter exposure, and the specialized coverage needed for historic homes. Your actual rate depends on your home's age, value, construction type, and the coverage limits you choose.
Yes, standard homeowners insurance covers wind damage from nor'easters, but you'll likely have a separate wind deductible of 1-5% of your home's insured value. For a $1 million home, that's $10,000 to $50,000 out of pocket before coverage kicks in. Wind-driven rain is covered only if wind creates an opening in your home first. Flood damage from storm surge is not covered—you need a separate NFIP flood policy for that protection.
Most Garden City homeowners should strongly consider flood insurance, especially if you're near the coast. Standard homeowners policies exclude all flood damage, including storm surge from nor'easters. Flood insurance is available through the National Flood Insurance Program (NFIP) and has a 30-day waiting period, so you can't buy it when a storm is approaching. Even if you're not in a high-risk flood zone, recent weather patterns show flooding can occur in unexpected areas.
Guaranteed replacement cost coverage rebuilds your home to its original specifications regardless of cost, with no percentage cap on your policy limit. This is critical for Garden City's historic homes where matching original materials, custom millwork, and architectural details can dramatically exceed standard construction costs. Without it, you might face extended replacement cost that caps at 125-150% of your dwelling limit, which may not be enough if restoration requires specialized craftspeople or hard-to-source materials.
Yes, New York law requires insurers to offer discounts for protective measures. Installing hurricane shutters, impact-resistant windows, reinforced garage doors, or upgrading to a wind-resistant roof can all reduce your premiums. You'll also get discounts for modern alarm systems (typically 5-15% off) and bundling your home and auto insurance (usually 15-25% savings). These upgrades not only lower your insurance costs but also protect your investment during severe weather.
For homes valued over $1 million, carry at least $500,000 in liability coverage through your homeowners policy, and seriously consider a $1-2 million umbrella policy on top of that. High property values make you a target for larger lawsuits, and the standard $300,000 liability limit won't provide adequate protection. Umbrella policies are relatively inexpensive—typically $200-400 annually for $1 million in additional coverage—and protect all your assets in case of a serious liability claim.
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