Abrams Insurance
74 N Plank Rd, Newburgh, NY 12550
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Newburgh households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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74 N Plank Rd, Newburgh, NY 12550
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578 Grand Avenue, Newburgh, NY 12550
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295 North Plank Road, Newburgh, NY 12550
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5020 Rte 9W Rm 17, Newburgh, NY 12550
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380 Broadway, Newburgh, NY 12550
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Learn about insurance coverage options specific to Newburgh residents.
Newburgh insurance guide covering auto requirements, homeowners rates, flood risk, and local agents in Orange County. Get the coverage you need in 2025.
Home InsuranceNewburgh home insurance guide: Victorian homes, Hudson River flood risks, HO-8 policies for historic properties, and tips to lower your rates in 2025.
Car InsuranceNewburgh drivers need 25/50/10 liability, $50K PIP, and uninsured coverage. Learn NY no-fault rules, I-84/I-87 risks, and how to choose the right policy.
New York requires $25,000/$50,000 bodily injury liability, $10,000 property damage liability, $50,000 Personal Injury Protection (PIP) per person, and $25,000/$50,000 uninsured motorist coverage. You cannot register a vehicle in New York without maintaining these minimum coverages at all times.
Homeowners insurance in New York averages around $1,554 annually, though your actual rate depends on your home's value, age, location, and claims history. Homes near the Hudson River or in flood zones may face higher premiums due to weather risks common to the Hudson Valley.
Standard homeowners policies don't cover flood damage. If you live near the Hudson River or in a FEMA-designated flood zone, your mortgage lender will likely require separate flood insurance through the National Flood Insurance Program. Even if not required, consider it given Newburgh's proximity to water.
Local agents in Newburgh understand Orange County's specific risks like nor'easters and flooding, and can quote multiple carriers to find your best rates. They provide personalized service, help with claims, and can adjust your coverage as your needs change without you having to shop around again.
New York insurers raised rates by approximately 8% or more in 2025 due to rising reinsurance costs, inflation in construction and repair costs, and increased claims from extreme weather. A state legislative investigation is currently examining these rate increases to identify underlying causes and potential solutions.
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