Trusted Home Insurance in Long Island, NY
Owning a home on Long Island is not merely an investment; it is the planting of fundamental roots within a community like no other. From quaint Capes in Suffolk to grand colonials in Nassau, your home is one of your biggest assets, and it deserves protective assurance you can count on. XL Brokerage Inc. by your side.

For over thirty years, we have assisted Long Island homeowners in navigating the insurance maze with honest advice offered, flexible and dependable policy solutions, and a true understanding of our local needs. If you're buying your first home or reviewing your current policy, we will help you make the best, easiest decisions concerning your coverage-with no insurance jargon or pressure.
What We Offer: Home Insurance Services on Long Island
No two homes—or homeowners—are alike. That's why we approach every policy with the idea of personalization, ensuring that your coverage matches your home's value, your lifestyle, and your budget.
This is a snapshot of the
home insurance services we provide across Long Island:
Standard Homeowners Insurance (HO-3)
The most extensively used kind of coverage protects the home structure and personal effects against fire, theft, and other forms of water damage. Also covers injury liability to a person who may get injured within your property.
Dwelling and Structure Coverage
The policy applies to the structure of the home itself. Walls, roof, built-in appliances, plumbing, etc. This type of coverage is the bedrock of any good policy.
Personal Property Coverage
Your stuff counts. Your furniture, electronics, clothing, and other important belongings are covered, even if stolen or damaged while outside your home.
Liability Protection
If a person slips on your icy driveway, or if your dog gets just a little bit too happy welcoming an unexpected visitor, liability coverage would protect you in terms of medical expenses or legal bills.
Coverage for Additional Living Expenses (ALE)
In the event that your home becomes temporarily uninhabitable due to a covered event, ALE helps cover the cost of hotel accommodations, meals, and other living expenses while repairs are made.
Add-On Coverage Options
From flood insurance and earthquake coverage to protection for high-value items like jewelry or antiques, we help close the gaps with smart, optional coverage add-ons.
Why Choose XL Brokerage for Home Insurance in Long Island?
With so many insurance companies out there, what makes XL Brokerage Inc.
Long Island's trusted choice for home insurance, especially among neighbors in Nassau and Suffolk counties?
Local Knowledge, Real Insight
We are not a faceless corporation located across the country. We live and work here on Long Island, and we really understand the specific types of risk, such as coastal storms, winter freeze damage, and neighborhood burglary trends, that matter the most.
Over 30 Years of Experience
For more than 30 years, since 1987, our team has been assisting local families with the ins and outs of insurance. We have seen it all. That is why the experience allows us to identify gaps, ask the right questions, and design policies that actually fit your needs.
Friendly, No-Pressure Service
We treat every client as we would treat a neighbor because you might actually be one. Our approach is casual, honest, and always geared toward providing you with what you need and not trying to sell you something you don't want.
Independent Brokerage Advantage
As an independent brokerage, we deal with multiple carriers to find you the best rates and best coverage for home insurance. No one-size-fits-all package from a single provider.
6 Smart Ways to Save on Home Insurance in Long Island
Homeowners insurance shouldn't be something you feel you have to empty your bank for. Here are some clever and practical ways to keep your premiums as low as possible while still protecting what matters the most.
Bundle Auto and Home
A multi-policy discount applies to home and auto policies purchased and maintained with the same provider. It is one of the easiest ways to make savings.
Install Safety and Security Devices
Deadbolts, smoke detectors, burglar alarms, and even smart home systems can give you discounts. Insurers love prevention, as do we.
Strategically Raise Your Deductible
Having a higher deductible may mean lower monthly premiums. We will weigh the advantages and disadvantages with you so that a loss doesn’t catch you by surprise when it comes time.
Maintain Your Credit Score
Yes, your credit matters. A high credit score will assist you in obtaining better rates. Need tips? We will be glad to walk you through what helps.
Inquire About Loyalty Discounts
If you've been with your insurer for a while, you might qualify for some loyalty benefits or renewal discounts. We will ensure that nothing goes unclaimed.
Review Your Policy Annually
Your life changes—so should your policy. A quick annual check-in can help you spot opportunities to reduce costs or eliminate unnecessary coverage.
Get a Quote and Connect with Us Today!
It's just that simple. Whether you intend on buying a new home, refinancing, or are simply hunting for some excellent home insurance quotes within your budget, XL Brokerage Inc. has got you covered.
No endless form-filling. No annoying telemarketers trying to reach you. We engage in a friendly dialogue to safeguard the most significant aspects of your life.
Call us at 631-736-6100
Visit us at 658 Middle Country Road, Selden, NY 11784
Ready to Protect Your Home the Smart Way?
From first-time buyers to long-time homeowners, XL Brokerage Inc. is there to help you get the home insurance coverage that truly fits your needs—no guesswork.
Whether you're looking for inexpensive home insurance that would provide you with solid protection or just objective advice rather than sales material, our staff have many years of experience and hold genuine concern within our community.
So let us talk.
So let us simplify insurance.
Let's protect your home—the right way.
Contact Us
Simply get in touch with XL Brokerage, and we'll show you how to get a quote. Our agents are well-versed in all aspects and can offer help and answers to any inquiries, guaranteeing a seamless experience.
Searching for "Home Insurance Near Me"? We’ve Got You Covered.
Long Island is our home, and we’re proud to serve homeowners across both Nassau and Suffolk counties. If you are looking for:
Home insurance in Selden
Homeowner's insurance in Patchogue
Home insurance near Riverhead, NY
Affordable home insurance in Long Island
Trusted home insurance companies on Long Island
Then you are at the right place. We will work with you to determine the proper ratio of cost, coverage, and peace of mind since your home is unlike any other cookie-cutter policy.
FAQs
What does standard homeowners insurance typically cover?
Most standard policies protect your homes, such as the structure of your home, your belongings, liability, etc., plus extra living expenses while you are temporarily displaced due to a covered event.
Is flood insurance included in my homeowners policy?
Flood insurance is not included; it stands alone and is especially vital for homeowners living near Long Island's coastlines. Together, we will determine if flood coverage is advisable for your area.
How much home insurance coverage do I need?
It depends on the values of your home, its location, risk factors, and contents inside. We go through your home with you and find the replacement cost, so you can secure it fully rather than just market value.
If I work from home or rent a room, can I get coverage for that?
Yes, but that additional case may require different coverage. Home business and renting will sharpen your liability and personal property needs, which we will explain.
What factors affect my home insurance premium in Long Island?
There are several elements that ultimately determine your premium, including your homes age, the property location, its proximity to water, construction materials, credit score, claims history, and construction type of your roof.
We will help you understand how each element affects you.
