NY Coastal Home Insurance was established in 2005 and writes all forms of insurance and financial products. NY Coastal Home Insurance started with 2 partners and now has 8 employees and has tripled in size over the past 5 years. They attribute their growth to the great relationships we have with our clients who have in turn referred us business.
The destruction that occurred on the east coast in the wake of Superstorm Sandy made many New York residents sit up and take notice about the need for thorough flood insurance coverage for their homes. Even in the best of times, New York coastal area residents are subjects to flood damage because of the low lying nature of the land. It seems like it’s getting worse each year with every storm.
NY Coastal Home Insurance provides first-rate, affordable flood insurance for homeowners in Nassau County, Long Island, Oceanside and Long Beach, NY, as well as in neighboring coastal communities including Breezy Point and Rockaway Beach.
NY Coastal Home Insurance can help homeowners secure their properties in the wake of high tides, murky waters and extreme weather patterns and recommend coverage that best suits their needs.
Federal law mandates flood insurance for buildings that are located within high-risk flood areas. Although flood insurance is not required for individuals do not have a mortgage or those who live in a low-to moderate-risk flood area in New York, this coverage is highly recommended.
Just as with the other types of insurance that NY Coastal Home Insurance offers, it's important to know what is and isn't covered. For example, coverage in basement or areas that are below grade is limited no matter if the building is located in a flood zone or when it was constructed.
Items coverage in flood damage policies include the building structure and personal property contents. Major building systems that are covered are:
- The structure itself and its foundation
- HVAC systems and water heaters
- Electrical and plumbing systems
- Major appliances such as stoves, refrigerators and dishwashers
- Permanent carpeting
- Permanent paneling
Covered personal property includes:
- Clothing, furniture and electronic equipment
- Portable air conditioners
- Draperies
- Large portable appliances
- Carpeting not covered in the building portion of the policy
- Washers and dryers
- Valuable items such as furs and artwork
NY Coastal Home Insurance agents can carefully walk customers through what is not covered by Flood Insurance Long Island and tell them about their options.
For more information on flood insurance or any other kind of insurance give Larry Levinn a call at 516-889-3636 or stop by: NYCoastalHomeInsurance.com
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