Freeport Homeowners Insurance

Why you need a trusted adviser

Freeport New York homeowners insurance

Known for its Nautical Mile, Freeport, NY is a tourist destination. Made popular by annual festivals and local seafood, Freeport is a lively place to live. 

When this town of 43,508 residents is your home, you'll want proper insurance protection. An independent insurance agent can help find the coverage you need for a competitive price. Connect with a local expert today.

What's the Crime Rate in Freeport, NY?

Crime plays a big part in your insurance premiums. Where you live can have an impact, positively or negatively. Theft can be a concern no matter where you're home is located. Let's look at the burglaries per 100,000 households:

  • National average: 376.00
  • New York average: 159.30
  • Freeport average: 52.80

The rate in Freeport is quite a bit lower than the state and national averages. This can bode well for your home insurance costs. Connect with a Freeport independent agent to discuss how the local crime will affect your pricing.

Homeowners Insurance Costs for Your Freeport, NY Home

Several factors determine your home insurance costs. The carriers will use your personal data and home specifications to rate your policies. Take a look at the numbers:

  • National annual average premium: $1,211 
  • New York annual average premium: $1,309 

Since every policy is customized, your insurance premiums will be, too. When you are consulting with your independent agent, ask them about bundling. If you put your home and auto insurance with the same carrier, you can qualify for a considerable discount. This can cut costs and save you money in other areas. Connect with your Freeport independent agent about rating.


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Your Freeport, NY Homeowner Risk Exposures

Catastrophes are not usually something that's planned. When you are the victim of a natural disaster, your homeowners insurance policy should have coverage. In the event it doesn't, your financial responsibility could significantly increase. 

The Most Common Natural Disasters in Freeport, NY:

  1. Hurricanes
  2. Storms
  3. Floods
  4. Blizzards
  5. Snowstorms

Flood Insurance Explained:

Contrary to popular belief, your home insurance policy does not cover flood damage. Since this coverage is excluded, you'll want to have separate flood insurance in place.

Your independent agent can look up your flood zone and run quotes with FEMA-approved carriers. Discuss flood insurance options with your agent to get coverage.

Homeowners Liability Insurance in Freeport, NY

Personal liability insurance is your home policy's primary coverage. A local agent can go over the various limits to determine which amount is right for you. Your home's liability insurance will protect against a lawsuit filed against a household member. Check out these common home liability claims where protection could apply:

  • A dog bite causes injury to another person.
  • A member of the household is sued for slander.
  • A slip and fall on your property causes harm to another party.
  • A tree falls and damages your neighbor's property.

Umbrella insurance is another option when it comes to liability coverage. An umbrella policy will provide additional limits of liability above your underlying home policy. In the event of a more substantial claim, umbrella insurance will apply when your primary coverage has been exhausted. Consult with your Freeport independent insurance agent to get the best liability coverage for your assets.

Match with a Local Independent Insurance Agent in Freeport, NY

When you work with a Freeport, NY independent insurance agent, you get the best of both worlds. They are able to offer better coverage for an affordable price.

Every independent agent has access to multiple carriers, saving you time and premium dollars. To get connected with a local expert, go to and get match with an agent in seconds.

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