Carbon Emery Insurance
105 N Main St, Huntington, UT 84528
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Huntington households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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105 N Main St, Huntington, UT 84528
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Huntington residents.
Huntington homeowners pay $2,840+ annually for insurance. Learn about flood zones, coastal coverage, and rising rates on Long Island's North Shore.
Long Island's higher population density, increased traffic congestion, and higher vehicle values drive up insurance costs. Insurers also consider that Long Island drivers face longer commutes, higher auto theft rates in urban areas, and more frequent accidents due to crowded roads. Huntington drivers commuting to Manhattan or navigating busy parkways face higher risk profiles than someone driving rural roads upstate, which directly impacts premiums.
It depends on your specific location and flood zone designation. Even homes several blocks from the water can be in high-risk flood zones due to elevation, drainage patterns, and proximity to creeks or wetlands. Check your property's FEMA flood zone at www.floodsmart.gov. If you have a federally-backed mortgage and you're in an A or V zone, flood insurance is mandatory. Even if it's not required, it's worth considering—about 25% of flood insurance claims come from moderate-to-low-risk zones.
No-fault means your own auto insurance pays for your medical bills and lost wages after an accident, regardless of who caused it. That's why New York requires $50,000 in Personal Injury Protection (PIP) per person. The benefit is faster payment without proving fault. The downside is you generally can't sue the other driver unless you meet certain thresholds for serious injury. This system is designed to reduce litigation and get injured people paid quickly.
Your dwelling coverage should equal the cost to completely rebuild your home at today's construction prices, not your home's market value or what you paid for it. With construction costs on Long Island running higher than most of the country, many Huntington homes need $400,000 to $600,000 or more in dwelling coverage. Your insurance agent can help you calculate the right amount based on your home's square footage, construction quality, and special features. Review this number annually, as construction costs have been rising 5-8% per year.
Yes, and you should definitely explore this option. Most insurers offer multi-policy discounts of 15-25% when you bundle auto and home insurance with the same company. For a Huntington household paying $2,200 for auto and $3,000 for home insurance, a 20% discount saves $1,040 annually. Just make sure the bundled price is actually cheaper than buying separate policies from different insurers—sometimes individual policies from specialized companies still beat bundled rates.
Actual cash value (ACV) pays to replace your damaged property minus depreciation—so if your 10-year-old roof is damaged, you get the depreciated value of a 10-year-old roof. Replacement cost coverage pays to replace it with a brand new roof of similar quality. Replacement cost costs more in premiums but pays significantly more in claims. For a $300,000 home in Huntington, the difference might be $200-400 annually in premiums, but could mean tens of thousands of dollars in additional claim payments after a major loss.
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