CD Commercial Agency Inc.
300 Wheeler Rd, #108, Hauppauge, NY 11788
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300 Wheeler Rd, #108, Hauppauge, NY 11788
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200 Motor Pkwy, Ste B10, Hauppauge, NY 11788
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1600 Express Dr S, Ste 110, Hauppauge, NY 11788
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490 Wheeler Rd, Suite 185, Hauppauge, NY 11725
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Learn about insurance coverage options specific to Hauppauge residents.
Compare auto, home, and flood insurance in Hauppauge, NY. Learn Suffolk County rates, coverage requirements, and money-saving tips from local experts.
Home InsuranceHauppauge home insurance costs, nor'easter risks, and coverage options. Learn about windstorm deductibles, flood insurance needs, and saving strategies.
Car InsuranceHauppauge auto insurance costs $1,729-$4,031 yearly. Learn NY's no-fault PIP requirements, coverage minimums, and how to save up to 10% with discounts.
New York requires 25/50/10 liability coverage, which means $25,000 for bodily injury per person, $50,000 total per accident, and $10,000 for property damage. You also need $50,000 in Personal Injury Protection (PIP) and mandatory uninsured motorist coverage of 25/50. New York is a no-fault state, so your own insurance covers your medical bills regardless of who caused the accident.
The average cost of homeowners insurance on Long Island, including Hauppauge, is about $2,882 per year for $300,000 in dwelling coverage with a $1,000 deductible. Coastal properties often pay more—around $3,260 annually. Rates have been rising roughly 8% or more in 2025 due to increased storm risks and insurance company losses.
If your property is in a high-risk flood zone (FEMA zones starting with A or V) and you have a federally backed mortgage, flood insurance is legally required. Even if you're not in a high-risk zone, consider it—about 34% of Long Island properties face flood risk over 30 years, and more than 20% of flood claims come from outside high-risk areas. The average annual premium is around $700.
Bundle your auto and home insurance policies with the same carrier to save 15-25%. Increase your deductible if you can afford a higher out-of-pocket expense, improve your home's safety features like adding a security system or storm shutters, maintain a good credit score, and shop around by getting quotes from at least three insurers including both local Hauppauge agencies and national carriers.
No, standard homeowners insurance policies do not cover flood damage. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. Flood policies cover up to $250,000 for your home structure and $100,000 for personal belongings, and they typically have a 30-day waiting period before coverage takes effect.
Most businesses need general liability insurance for third-party injury or property damage claims, commercial property insurance to protect physical assets, and workers' compensation if you have employees (legally required in New York). Depending on your industry, you may also need professional liability, cyber liability, or commercial auto coverage. Local Hauppauge agents understand the industrial park's unique business landscape and can customize policies for your needs.
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