Affiliated Agency Inc Trade Ins Brokerage Inc
255 Executive Dr, Ste 308, Plainview, NY 11803
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Plainview households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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255 Executive Dr, Ste 308, Plainview, NY 11803
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255 Executive Dr, Ste 308, Plainview, NY 11803
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10 Washington Avenue, Plainview, NY 11803
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One Dupont St, Suite 209, Plainview, NY 11803
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255 Executive Dr, Ste 401, Plainview, NY 11803
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Learn about insurance coverage options specific to Plainview residents.
Complete insurance guide for Plainview, New York. Learn about NY's no-fault auto requirements, Long Island home insurance costs, and local agencies in Nassau County.
Home InsurancePlainview home insurance costs $2,500-3,000/year on average. Learn about rising Nassau County rates, flood coverage, and how to save on your policy.
Car InsurancePlainview drivers need $50K PIP plus 25/50/10 liability. Learn about New York's no-fault system, Nassau County rates, and how to save on coverage.
New York's no-fault insurance system requires drivers to carry personal injury protection in addition to standard liability coverage, which increases premiums. The state also has high medical costs, expensive vehicle repairs, dense population leading to more claims, and significant uninsured motorist rates. The average New York driver pays around $3,303 annually for full coverage, well above the national average of $2,388.
It depends on your property's location and elevation. While Plainview isn't directly on the coast, it's in Nassau County on Long Island where coastal storms pose risks. Standard homeowners insurance excludes flood damage, so if you're in or near a designated flood zone, you should seriously consider flood insurance. Even if it's not required by your mortgage lender, flood insurance provides crucial protection that could save you tens of thousands of dollars in damage.
New York requires three types of coverage: liability insurance ($25,000 per person/$50,000 per accident for bodily injury and $10,000 for property damage), personal injury protection with a $50,000 minimum, and uninsured motorist coverage ($25,000 per person/$50,000 per accident). However, these minimums may not provide adequate protection after a serious accident, and many experts recommend higher limits.
Both have advantages, but local agents in Plainview offer personalized service and expertise with Nassau County's specific insurance challenges. Independent agents can quote you with multiple insurers at once, help you understand New York's complex requirements, and provide ongoing support when you need to file a claim or adjust your coverage. If you prefer hands-on guidance and local expertise, a Plainview agent is worth the investment.
Several strategies can reduce your premium: increase your deductible from $1,000 to $2,500 or higher, bundle your home and auto policies with the same insurer, install security systems or smart home devices, maintain a claim-free history, and shop around every few years to ensure you're getting competitive rates. Also ask your agent about loyalty discounts and whether updating your roof or electrical system could lower your premium.
Umbrella insurance provides additional liability coverage beyond your auto and home policy limits—typically $1 million or more. It kicks in when a lawsuit or claim exceeds your standard liability limits. You should consider umbrella insurance if you have significant assets to protect, own rental property, have teenage drivers, or engage in activities that increase liability risk. It's relatively inexpensive at $200-400 annually for $1 million in coverage.
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