Big Apple Insurance Brokerage Inc.
143-15 Hillside Avenue, Jamaica, NY 11435
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Jamaica households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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143-15 Hillside Avenue, Jamaica, NY 11435
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87-52 168th St 2nd, floor, Jamaica, NY 11432
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8752 168th St, Jamaica, NY 11432
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139-50 Hillside Ave, Jamaica, NY 11435
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168-25 Hillside Ave 2nd Fl, Jamaica, NY 11432
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137-34 Jamaica Avenue, Jamaica, NY 11435
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170-16 Hillside Ave, Jamaica, NY 11432
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16825A Hillside Ave 2nd Fl, Jamaica, NY 11432
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205-17 Jamaica Ave, Jamaica, NY 11423
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129-02 Liberty Ave, Suite 4, Jamaica, NY 11419
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Learn about insurance coverage options specific to Jamaica residents.
Jamaica homeowners pay ~$1,188/year for home insurance. Learn about flood risks, urban coverage needs, and how to protect your Queens property effectively.
General Insurance EducationComplete insurance guide for Jamaica, NY covering auto, home, flood zones, transit hub considerations, and no-fault requirements. Get rates and coverage tips.
Car InsuranceJamaica, Queens auto insurance guide covering New York's no-fault PIP requirements, serious injury threshold, and why rates average $217/month near JFK.
Car InsuranceJamaica, Queens drivers pay $217+/month for full coverage. Learn about NY's no-fault system, why Queens rates are high, and how to save on car insurance.
If you have a federally-backed mortgage and live in a FEMA-designated floodplain, you're required to carry flood insurance. However, even if you're not required to buy it, you should strongly consider it. More than half of buildings that flooded during Hurricane Sandy weren't in official flood zones, and Queens is 38% water. Standard homeowners insurance does not cover flood damage, so you'll need a separate policy through NFIP or a private insurer, typically costing around $700 annually.
Jamaica homeowners typically pay around $99 per month or about $1,188 annually for home insurance, which is below New York State's average of $1,554 per year. However, your actual premium depends on factors like your home's age, condition, value, coverage amount, and your claims history. Homes built before 1960 or those requiring higher coverage limits will cost more to insure.
No, a standard homeowners policy will not adequately cover a rental unit or tenant-related risks. If you own a two-family home and rent out one unit, you need landlord insurance or a dwelling fire policy to cover the rental unit, lost rental income, and liability related to your tenants. Your standard HO-3 policy is designed for owner-occupied single-family homes and won't respond to claims involving rental activities.
Jamaica's urban location creates unique exposures including higher vehicle-related property damage risks from major corridors like Queens Boulevard and the Grand Central Parkway, elevated theft risks in areas with high foot traffic near transit hubs, and density-related concerns if you own attached housing or multi-family properties. Make sure you have adequate liability coverage—$500,000 or more—and verify your personal property coverage reflects replacement costs, not original purchase prices.
While proximity to JFK Airport doesn't directly trigger higher premiums in most cases, your location along major transportation corridors and in a densely populated urban area can influence rates. Insurance companies assess risk based on crime statistics, traffic patterns, and claims history in your ZIP code. The key is to shop multiple carriers and document any home improvements or security features that might qualify you for discounts to offset urban location factors.
Yes, you can reduce your premium through several strategies: bundle your home and auto insurance with the same carrier for 10-20% savings, increase your deductible if you have adequate emergency savings, install monitored security systems and fire safety equipment, and document any home updates like new roofing or electrical systems. Also, get quotes from multiple insurers like American Family, State Farm, and NYCM Insurance, which offer competitive New York rates.
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