The Modern Medicare Agency
445 Broadhollow Rd, Suite 25, Melville, NY 11747
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Melville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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445 Broadhollow Rd, Suite 25, Melville, NY 11747
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68 S Service Rd, Ste 100, Melville, NY 11747
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555 Broadhollow Rd, Suite 303, Melville, NY 11747
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Learn about insurance coverage options specific to Melville residents.
Melville homeowners face nor'easters, coastal storms, and high property values. Learn what coverage you need and how to save on home insurance.
Car InsuranceMelville drivers pay $1,200+ for minimum coverage due to NY's no-fault system and Long Island rates. Learn what affects your premium and how to save.
General Insurance EducationComplete insurance guide for Melville residents covering NY no-fault auto requirements, high-value home protection, bundling discounts, and Long Island rates.
Car InsuranceMelville auto insurance averages $200/mo. Learn NY's no-fault system, serious injury threshold, and how to save $1,300+ annually on coverage.
Yes, flood insurance is worth serious consideration even if you're not in a designated flood zone. Melville experiences heavy rainstorms, and nor'easters can bring unexpected flooding from overwhelmed drainage systems and storm surge effects. Standard homeowners policies exclude all flood damage, so without separate flood coverage, you'd pay out of pocket for water damage from flooding—potentially tens of thousands of dollars.
For a home valued around $750,000 in Melville, expect annual premiums between $2,500 and $4,500, though your specific rate depends on factors like your home's age, condition, claims history, and chosen coverage limits. Long Island homeowners generally pay 30-50% more than the New York state average due to higher property values and coastal storm exposure.
Market value is what your home would sell for, while replacement cost is what it would cost to completely rebuild your home from the ground up. Replacement cost includes demolition, debris removal, current construction labor, and materials—often 20-30% higher than market value. You need coverage based on replacement cost to avoid being underinsured if your home is destroyed.
Yes, a new roof—especially one with impact-resistant or Class 4 shingles—can reduce your premium by 15-30%. Insurers favor newer roofs because they're less likely to leak or sustain damage during storms. If your roof is over 15-20 years old, replacement might both protect your home and save you money on insurance over time.
Absolutely—bundling typically saves 15-25% on both your home and auto premiums. For a Melville homeowner paying $3,500 annually for home insurance and $2,000 for auto, that's potential savings of $800-$1,100 per year. Always get bundled quotes when shopping for insurance to see if it makes financial sense.
Standard policies typically cover wind damage, hail damage, ice dam damage, and resulting water intrusion from these events. However, they exclude flood damage (rising water from outside), which requires separate flood insurance. Review your policy carefully to understand your wind and water coverage limits, especially given Melville's nor'easter exposure.
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