Homeowners Insurance Companies Still Writing Policies on Long Island

Despite coastal risk, many major insurers continue to offer home policies on Long Island (Nassau & Suffolk counties). Fifteen active carriers as of 2024:

1. Allstate
2. Farmers
3. State Farm
4. Travelers
5. Chubb (high-value homes)
6. Liberty Mutual
7. Nationwide
8. USAA (military/veterans only)
9. AIG (high-value)
10. The Hartford
11. Progressive
12. Amica Mutual
13. AAA
14. Erie Insurance
15. Hanover Insurance

What to Know

• Wind/hail deductibles are often separate (1–5% of dwelling limit).
• Flood is excluded—buy NFIP or private flood policy separately.
• Coastal zones (Fire Island, Hamptons, North Fork) may require surplus-lines carriers (e.g., Lloyd's syndicates) if standard markets decline.
• Shop annually: Premiums vary widely; independent agents can compare multiple carriers.

New York's Department of Financial Services publishes complaint ratios and financial strength ratings—use them when choosing.