Alpha Risk Management Inc
1400 Old Country Road, Suite 404N, Westbury, NY 11590
View this agency's profile to learn more about their services.
Loading...
City directory
Westbury households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1400 Old Country Road, Suite 404N, Westbury, NY 11590
View this agency's profile to learn more about their services.
400 Post Ave, Suite 201, Westbury, NY 11590
View this agency's profile to learn more about their services.
1600 Stewart Ave, Ste 701, Westbury, NY 11590
View this agency's profile to learn more about their services.
82 Sunnyside Lane, Westbury, NY 11590
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Westbury residents.
Westbury home insurance costs $555-$753+ due to high property values and coastal storm risk. Learn about hurricane deductibles, flood coverage, and ways to save.
Car InsuranceWestbury drivers need 25/50/10 liability + $50k PIP no-fault coverage. Learn why rates are higher near Northern State Parkway & how to save on premiums.
General Insurance EducationComplete insurance guide for Westbury, NY residents. Compare auto, home, and renters rates. Learn about Nassau County requirements and save money in 2026.
Westbury homeowners typically pay between $555 and $753 annually for basic coverage, though comprehensive policies on higher-value homes often cost $1,200 to $1,600 or more. Your specific premium depends on your home's value, age, condition, coverage limits, and deductible choices. Getting quotes from multiple insurers can save you up to $262 per year.
Standard homeowners policies don't cover flood damage, and about 34% of Long Island properties face flood risk over the next 30 years. Even if you're not in a FEMA high-risk flood zone, flooding can happen from heavy rain, storm surge, or drainage issues. If your mortgage is paid off, flood insurance is optional but recommended given the potential for five- or six-figure damage from even minor flooding.
Nassau County homeowners face a mandatory 2% hurricane deductible when a Category 2 or stronger hurricane makes landfall anywhere in New York State. On a $500,000 home, that's a $10,000 out-of-pocket expense before coverage begins. This deductible applies during a 24-hour window around the hurricane's landfall and is significantly higher than your regular deductible.
Yes, standard homeowners policies cover wind damage from hurricanes and severe storms, including roof damage, broken windows, and structural issues. However, flooding caused by storm surge or heavy rainfall is excluded and requires separate flood insurance. The wind coverage is subject to your hurricane deductible if a major hurricane hits New York State.
The most effective strategies are comparing quotes from at least three insurers (saving up to $262 annually), bundling home and auto policies for 15-25% discounts, raising your deductible to $2,500 or higher, and installing risk-reducing improvements like a new roof, hurricane shutters, or security system. Each protective upgrade can trim 5-20% off your premium.
Always insure for replacement cost, not market value. In Westbury's hot real estate market, land value inflates your home's sale price, but insurers only need to rebuild the structure. Insuring for inflated market value means overpaying for coverage you don't need, while underinsuring triggers coinsurance penalties that reduce claim payments.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network