Global Facilities Inc.insurance
146 Merrick Rd, Lynbrook, NY 11563
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146 Merrick Rd, Lynbrook, NY 11563
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112 Merrick Rd, Lynbrook, NY 11563
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288 Broadway, Lynbrook, NY 11563
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142 Lakeview Ave, Lynbrook, NY 11563
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Learn about insurance coverage options specific to Lynbrook residents.
Complete insurance guide for Lynbrook, NY covering auto requirements, home rates, flood zones, and local agents in Nassau County. Get quotes today.
Home InsuranceGet the right home insurance for your Lynbrook property. Understand South Shore risks, flood coverage needs, windstorm deductibles, and how to save money.
Car InsuranceLynbrook auto insurance explained: NY no-fault system, PIP requirements, Nassau County rates, LIRR commuter discounts, and how to save on coverage.
If you have a government-backed mortgage and live in a FEMA-designated high-risk flood zone, flood insurance is mandatory. Even if it's not required, consider it seriously—about 34% of Long Island properties face flooding risk over the next 30 years. Flood insurance costs around $1,280 annually in Nassau County, and residents in certain flood zones qualify for a 15% discount through the Community Rating System program.
New York requires minimum liability coverage of 25/50/10 ($25,000 per person for bodily injury, $50,000 per accident, and $10,000 for property damage), plus Personal Injury Protection (PIP) and uninsured/underinsured motorist coverage of 25/50. However, these minimums may not adequately cover serious accidents, so many residents opt for higher limits.
Nassau County homeowners pay an average of $2,882 per year for home insurance with $300,000 in dwelling coverage and a $1,000 deductible. Your actual premium will vary based on your home's age, condition, location, coverage limits, and whether you need additional flood insurance (which averages $1,280 annually).
Both have advantages. Independent agents can shop multiple carriers for you and often find better rates or coverage combinations. Direct carriers may offer slightly lower prices since there's no agent commission. Consider getting quotes from both—independent agencies like All NY Insurance in Lynbrook and direct carriers like State Farm or Geico—to compare your options.
Yes, most insurance companies offer multi-policy discounts of 15-25% when you bundle home and auto coverage. This is one of the easiest ways to reduce your insurance costs. Ask your agent about bundling options when you're shopping for quotes.
Actual cash value pays out based on your property's depreciated value, while replacement cost coverage pays to repair or replace your property at current prices without deducting for depreciation. Given Long Island's high construction costs, replacement cost coverage typically provides better protection and is worth the additional premium for most homeowners.
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