Cibgny
150 Dartmouth Drive, Hicksville, NY 11801
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Hicksville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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150 Dartmouth Drive, Hicksville, NY 11801
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217 Bethpage Rd, Suite 17, Hicksville, NY 11801
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40 Commerce Place, Ste 204, Hicksville, NY 11801
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Learn about insurance coverage options specific to Hicksville residents.
Complete guide to insurance in Hicksville, NY. Learn about auto, home, and flood coverage requirements in Nassau County. Local agents and money-saving tips.
Home InsuranceGet affordable home insurance in Hicksville, NY. Learn about flood risks, coverage needs for Nassau County homes, and how to save on premiums in 2026.
Car InsuranceUnderstand Hicksville's no-fault auto insurance, PIP requirements, and Nassau County rates. Learn how LIRR commuting can lower your premiums.
If your home is in a Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is mandatory. However, even if you're not required to carry it, Nassau County's history with coastal storms—including Superstorm Sandy—makes flood insurance worth considering. Properties in flood zones A, AE, and VE qualify for a 15% discount through the Community Rating System.
Long Island has seen significant rate increases in 2025, with some homeowners seeing premiums jump 50% or more. The increases stem from rising climate-related claims, higher construction and repair costs, and a tightening reinsurance market. Nassau County's coastal location makes it particularly vulnerable to weather-related losses, which carriers are pricing into their premiums.
No. The state minimums of 25/50/10 for liability coverage are dangerously low given healthcare and repair costs in Nassau County. A serious accident can easily result in damages exceeding these limits, leaving you personally liable for the difference. Most financial advisors recommend at least 100/300/100 coverage, plus an umbrella policy if you have significant assets.
Local agents understand Nassau County's specific risks, know which carriers handle Long Island claims efficiently, and can shop multiple companies on your behalf. They're also familiar with local factors like LIRR commuter needs, coastal weather patterns, and property values that affect your coverage needs. Plus, you have someone local to call when you need to file a claim.
Bundling typically saves 15-25% on your combined premiums and simplifies your insurance management. However, always compare the bundled rate against separate policies from different carriers—sometimes you'll save more by splitting your coverage between two companies that each offer the best rates for auto and home respectively.
PIP is New York's no-fault coverage that pays for your medical expenses, lost wages, and other accident-related costs regardless of who caused the crash. The required $50,000 minimum covers you, your passengers, and pedestrians you might injure. This coverage kicks in before your health insurance and covers expenses that health insurance might not, like lost wages or hiring help during recovery.
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