A & C Management Group Ltd
40 Cuttermill Rd, Ste 205, Great Neck, NY 11021
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40 Cuttermill Rd, Ste 205, Great Neck, NY 11021
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505 Northern Blvd, Suite 212, Great Neck, NY 11021
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73 Cuttermill Road, Great Neck, NY 11021
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891 Northern Blvd, Great Neck, NY 11021
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60 Cutter Mill Road, Suite 414, Great Neck, NY 11021
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60 Cuttermill Road, Suite 414, Great Neck, NY 11021
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55 Northern Blvd, Ste 308, Great Neck, NY 11021
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5 Bond St, #203, Great Neck, NY 11021
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60 Cutter Mill Road, Suite 508, Great Neck, NY 11021
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Learn about insurance coverage options specific to Great Neck residents.
Great Neck homeowners pay $601-826/year for insurance. Learn about flood risk, hurricane deductibles, waterfront coverage, and how to protect North Shore properties.
Car InsuranceGreat Neck auto insurance guide: NY no-fault requirements, PIP coverage, serious injury threshold, LIRR commuter tips, and how to save $830 annually.
General Insurance EducationComplete insurance guide for Great Neck residents covering NY no-fault auto requirements, North Shore home insurance costs, and flood coverage options.
Car InsuranceGreat Neck drivers pay $2,160-$3,800/year for full coverage. Learn how NY's no-fault system, luxury vehicles, and location affect your rates.
Great Neck homeowners typically pay between $601 and $826 per year for home insurance, which works out to about $50-$68 per month. This is significantly lower than New York's state average of $1,309 annually. However, waterfront properties and high-value homes may pay considerably more, especially if hurricane deductibles and additional coverage are required.
Most of Great Neck is in FEMA Zone X, where flood insurance isn't mandatory for mortgage holders. However, 178 properties in Great Neck face greater than a 26% chance of severe flooding over the next 30 years. Standard homeowners policies don't cover flood damage at all, so even if you're not required to have it, flood insurance is worth considering given the coastal location. It typically costs around $700-$725 per year in New York.
A hurricane deductible is a separate, higher deductible that applies when a named storm causes damage to your home. In Nassau County, insurers commonly require hurricane deductibles of 1-5% of your dwelling coverage. So if your home is insured for $800,000 with a 2% hurricane deductible, you'd pay the first $16,000 of storm damage. Check your policy declarations page—if you have one, it will be listed separately from your standard deductible.
It depends on the type of damage. Wind damage from a nor'easter is typically covered under your standard homeowners policy, though your hurricane deductible may apply if it's a named storm. However, flood damage from storm surge or heavy rain is not covered by homeowners insurance—you need a separate flood policy for that. Water damage from wind-driven rain entering through storm-damaged roof or windows is usually covered.
New York homeowners saw an average 10.4% rate increase in 2024, with some coastal areas seeing increases of 20-30%. This is driven by several factors: the Northeast has experienced a 55% increase in severe weather events over the past 20 years, reinsurance costs have risen significantly, and construction and repair costs have jumped 30-40% since 2020. Insurers are adjusting rates to match the current risk and cost environment.
Your dwelling coverage should equal the full replacement cost of rebuilding your home at today's prices, not the market value or purchase price. For Great Neck's high-value properties with custom features and quality construction, this is often higher than homeowners expect. Construction costs have increased 30-40% since 2020, so if you haven't reviewed your coverage recently, you may be underinsured. Ask your insurer for a replacement cost estimate or get an independent appraisal.
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