John Kristin Associates, Inc.
353 Hempstead Ave, STE 2, Malverne, NY 11565
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353 Hempstead Ave, STE 2, Malverne, NY 11565
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294 Hempstead Ave, Unit A, Malverne, NY 11565
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340 Trinity Pl., Suite 104, Malverne, NY 11565
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Learn about insurance coverage options specific to Malverne residents.
Malverne homeowners pay $2,882/year average. Learn about coastal storm coverage, flood insurance, and protecting older homes on Long Island.
Car InsuranceMalverne drivers need $50,000 PIP under NY's no-fault system. Learn requirements, costs averaging $2,160/year in Nassau County, and how to save.
Complete insurance guide for Malverne residents. Learn about NY's no-fault auto system, Long Island flood risks, and how to protect your Nassau County home.
Yes, you should seriously consider it. About 34% of Long Island properties face flood risk over the next 30 years, and flooding doesn't only happen at the shoreline—heavy rain, storm surge, and overwhelmed drainage systems can flood inland properties too. Your standard homeowners policy doesn't cover flood damage at all, so without a separate flood policy, you're paying out of pocket for any water damage from flooding. Flood insurance averages $700 per year and can save you tens of thousands in repairs.
Nassau County properties have mandatory hurricane or wind deductibles ranging from 3-5% of your dwelling coverage due to Long Island's coastal storm exposure. This means on a $750,000 home, you'll pay $22,500 to $37,500 out of pocket before insurance covers hurricane wind damage, compared to your standard $1,000-$2,500 deductible for other claims. These higher deductibles only apply when the National Weather Service officially categorizes a storm as a hurricane, and they're required by law in coastal areas.
Your dwelling coverage should reflect what it would cost to completely rebuild your home from the ground up, not your home's market value. With the median Malverne home valued at $769,790 and most housing stock built before World War II, you likely need $750,000-$800,000 or more in dwelling coverage. Older homes cost more to rebuild due to historical materials and craftsmanship, and you'll want guaranteed or extended replacement cost coverage that pays above your policy limit if construction costs spike after a major disaster.
Standard policies include only $10,000-$25,000 in ordinance or law coverage, which pays for code upgrades required during repairs. That's rarely enough—bringing electrical, plumbing, energy efficiency, and accessibility features up to current standards can cost $50,000 or more on a significant claim. You should add an ordinance or law coverage endorsement with higher limits, especially for pre-WWII homes that are far from meeting modern codes.
New York offers the Coastal Market Assistance Plan (C-MAP) for homeowners who have trouble finding coverage due to coastal location or other risk factors. C-MAP assists policyholders on Long Island's south shore within one mile of water, or the north shore within 2,500 feet of shore, in locating insurers willing to provide coverage. It's not insurance itself, but a referral service that connects you with participating carriers who cover higher-risk coastal properties.
Bundle your home and auto insurance with the same carrier for 15-25% savings, increase your standard deductible to $2,500-$5,000, and make home improvements like updating your roof, electrical system, or plumbing. Installing a monitored security system, smoke detectors, and storm shutters can also earn discounts. Shop around annually—rates vary significantly between insurers, and with premiums rising 8%+ per year on Long Island, switching carriers can save hundreds of dollars.
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