Enterprise Insurance
761 Coates Avenue, Suite 41, Holbrook, NY 11741
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Holbrook households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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761 Coates Avenue, Suite 41, Holbrook, NY 11741
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101-7 Colin Drive, Holbrook, NY 11741
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4250 Veterans Memorial Hwy, Holbrook, NY 11741
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4250 Veterans Memorial Highway, Suite 303E, Holbrook, NY 11741
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761 Coates Ave, Ste 80, Holbrook, NY 11741
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Learn about insurance coverage options specific to Holbrook residents.
Get the best auto and home insurance rates in Holbrook, New York. Compare local agents, understand Route 112's impact on costs, and save up to 20%.
Car InsuranceHolbrook, NY auto insurance guide: understand New York's no-fault system, 25/50/10 minimums, PIP requirements, local rates, and how Route 112 affects costs.
Holbrook's auto insurance rates run about 18% higher than neighboring Patchogue mainly due to Route 112's heavy traffic and accident hotspots during rush hour. The area also experiences higher vehicle theft rates compared to other Suffolk County communities. These risk factors combine with New York's no-fault insurance laws to push premiums up, though Holbrook rates are still about 12% lower than New York City.
Homeowners insurance in Holbrook and Suffolk County averages around $2,882 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Your actual cost will depend on your home's value (which averages $504,000 to $685,000 in the area), age, condition, and proximity to fire protection. Homes near fire hydrants and the Holbrook Fire Department typically qualify for lower rates.
Holbrook residents can access several money-saving discounts including up to 20% off for green home improvements like solar panels, bundle discounts of 15-25% when combining auto and home policies, and defensive driving course discounts for auto insurance. If your home is close to a fire hydrant or fire station, you'll likely qualify for additional homeowners insurance savings due to faster emergency response times.
Indirectly, yes. The Sachem School District is the second-largest on Long Island and has a strong reputation, which helps maintain property values in Holbrook (averaging $685,000 near Sachem High School North). Higher property values mean higher dwelling coverage requirements for your homeowners insurance, which increases your premiums. However, stable property values in good school districts also indicate lower risk neighborhoods, which insurers view favorably.
A local Holbrook agent offers distinct advantages—they understand specific local factors like Route 112's accident patterns, theft rates in different neighborhoods, and which carriers offer the best rates for Suffolk County. Independent agents can shop multiple companies at once and provide personalized advice. However, if you're comfortable with standard coverage and want to compare prices yourself, online shopping can work well for straightforward situations.
New York's no-fault insurance means your own auto insurance pays for your medical expenses after an accident, regardless of who caused it. This system speeds up claims and reduces lawsuits, but it also drives up premiums for everyone. You're required to carry Personal Injury Protection (PIP) coverage, which is why New York's auto insurance rates are about 50% higher than the national average.
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