Giacalone Insurance | Insurance Agency Riverhead
59 E Main St, Riverhead, NY 11901
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Riverhead households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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59 E Main St, Riverhead, NY 11901
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189 Main Rd, Suite D, Riverhead, NY 11901
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225 Howell Ave, Riverhead, NY 11901
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860 E Main St, Ste A, Riverhead, NY 11901
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Learn about insurance coverage options specific to Riverhead residents.
Complete 2026 guide to Riverhead insurance costs: auto averages $4,031, home $2,882. NY requirements, flood zones, and local agents in Suffolk County.
Home InsuranceRiverhead home insurance averages $2,840/year. Learn about flood risks, hurricane deductibles, and coastal coverage options for Long Island homeowners.
Car InsuranceComplete guide to Riverhead auto insurance covering NY's no-fault PIP requirements, average costs, and savings tips for Suffolk County drivers.
Auto insurance in Riverhead averages $1,729 annually for minimum coverage and around $4,031 for full coverage, based on Suffolk County rates. Your actual cost depends on your driving record, age, vehicle type, and coverage selections. New York's no-fault system and required $50,000 PIP coverage contribute to higher premiums compared to national averages.
Most Riverhead properties sit in FEMA Flood Zone X, where flood insurance isn't mandatory. However, if you live near the Peconic River or coastal areas, flood coverage is highly recommended. Standard homeowners insurance doesn't cover flood damage, and Hurricane Sandy demonstrated Long Island's real flood risk. Policies typically range from a few hundred to several thousand dollars annually depending on your specific location and risk level.
New York requires $25,000 bodily injury liability per person, $50,000 per accident, $10,000 property damage liability, $50,000 Personal Injury Protection (PIP), and $25,000/$50,000 uninsured/underinsured motorist coverage. Since August 2023, policies must also include supplemental spousal liability coverage unless you opt out in writing. These requirements remain unchanged for 2026.
Several factors drive high insurance costs in Suffolk County: New York's no-fault system requires expensive PIP coverage, population density increases accident risk, coastal location raises homeowners premiums, and rates run about 50% higher than national averages. Property values in Suffolk County also mean you need higher dwelling coverage limits, and the area's exposure to hurricanes and nor'easters affects both auto and home insurance pricing.
Bundling auto and home insurance with one carrier typically saves 15-25% on combined premiums and simplifies claims management. However, always compare bundled rates against separate policies from different insurers. Sometimes you'll get better overall pricing by splitting coverage between two companies, especially if one specializes in auto and another excels at coastal property coverage.
Take a defensive driving course for a 10% auto insurance discount for three years, bundle policies with one insurer, raise deductibles if you can afford higher out-of-pocket costs, install home security systems and smart water leak detectors, maintain good credit, and compare quotes from multiple carriers annually. Local agents can also identify carrier-specific discounts you might qualify for based on your occupation, affiliations, or home features.
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