Medford's Premier Home Insurance Provider
Your home isn’t just a place—it’s your foundation. XL Brokerage Inc. helps Medford, NY homeowners preserve what matters to them most through practical, affordable, and easily understood home insurance policies. Our team is here for you, whether you are a first-time buyer or have been living in the area for years, to help you determine what fits your needs and gives you confidence in your coverage.
We operate from a location in Selden and cover the Medford and surrounding Suffolk County communities. With over 30 years of experience with us, you will be well-equipped to make smart, informed decisions about your property and future.
Our Home Insurance Services in Medford
Home coverage isn't a universal policy. Here is how we help you develop a plan that works for your life:
Standard Homeowners Policies
We offer reliable insurance for homeowners residing in Medford, including coverage for dwelling, personal belongings, and liability, suitable for the majority of single-family homes.
Personal Property Protection
Furniture, electronics, and jewelry—ports one on itself, not just the building itself.
That's how we work with you to select coverage based on the value of your inside space.
Liability Protection
Accidents happen: if something befalls someone on your premises, let it be nice and ensure that your policy includes liability protection to buffer your finances.
Insurance for First-Time Buyers
Are you buying your first house in Medford? We simplify the process for you, explain the fine print, and tailor your coverage to fit into what is affordable for your mortgage needs.
Affordable Options for Home Insurance.
From bundled to adjusted deductibles, we help you navigate each policy to give up cost-saving without dropping essential protection.
Optional Add-On Coverage
Need flood protection? Want extra coverage for your high-value items? We will help create a personalized policy to include the extras you need—without paying for what you don’t.
Specialized Coverage for Unique Homes
That's why we provide special coverage for these outside-the-ordinary homes that include historic properties and other income-generating residences.
Reasons Why XL Brokerage Inc. Should Be Chosen for Home Insurance in Medford, NY?
Choosing the
right insurance company for your home is difficult; XL Brokerage Inc. has tried to make it easier. Here are all the reasons why Medford, NY, homeowners trust us:
Decades of Local Experience
Since 1987, we have been helping families in Long Island protect their homes. We know about the specific risks and regulations for Medford—coastal considerations to building code changes.
We Speak Human, Not Jargon
Insurance terms can be so overwhelming. We explain everything in simple, candid language—no pressure, no worrying upsells.
Truly Personalized Service
Classic ranch, starter condo, or newer construction, we listen to you first—then customize your policy around your life.
Fast, Friendly Claims Support
We're local and responsive, so when something goes wrong, you don't dial a stranger in a different time zone; instead, you reach out to Joseph Giordano and his team, right here on Middle Country Road.
Hand-Holding Service for Policy Reviews
We will schedule periodic reviews of your plan with you to make sure it is still meeting your needs. Life changes, and so should your policy.
Smart Money-Saving Ways to Get an Affordable Home Insurance
Are you after cheap home insurance that doesn't require slashing benefits? Here are six intelligent avenues to save on premiums for Medford homeowners:
1. Package Home/Auto
Saving the big bucks does not begin to do justice to the savings accrued by combining home and car insurance benefits. We will do the math and show how much you could save in the pocket.
2. Raise Deductible (Within Limits)
Even raising your deductible slightly could help, thus reducing your premium. We will then be able to determine what works best for you so that your plan remains affordable but is still practical at the time of a claim.
3. Enhance Your Home Security
Discounts might be given for up-to-date security systems or even for simply upgrading your locks to deadbolt locks. If you are doing an update, let us know, and we will help ensure your policy reflects those changes.
4. Work on Growing Your Credit Score
Credit score may have an impact on your premium. For those working on a high credit score, we could review your policy and seek a better opportunity when you are all set.
5. Ask About Loyalty Discounts
Do you have a long-standing association with your insurance carrier? Some companies grant a way of discounting your premiums on loyalty. We are your brokerage that will track this for you and ensure you reap from it.
6. Reassess Every Year
Building value into your home, along with contents and risks, changes. A yearly check ensures your coverage is on target and a fair price is established.
7. Take Care of Your Home
Trying to stay on top of roofing, plumbing, and electrical maintenance prevents future headaches, but if your insurer sees you as a low-risk, it may lower your premium.
Get An Home Insurance Quote Today!
Insurance can feel complicated but shouldn't have to. At XL Brokerage, we make it easy to compare home insurance quotes and get the protection you need without wasting your time or money.
Come visit us at 658 Middle Country Road, Selden, NY 11784
Call 631-736-6100
Email joeg@xlbrokerageinc.com
Let's discuss which plan suits you best, and then we will get you confidently covered.
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 in Medford?
Searching for home insurance near Medford, NY?
XL Brokerage Inc. proudly serves homeowners all throughout Suffolk County, including:
Medford
Selden
Farmingville
Coram
Holtsville
Patchogue
Middle Island
Whether you are insuring a historic home near Granny Road or new construction off Horseblock Road, we have plans for your zip code and for your life.
Do you need a custom plan in a neighboring area? We're always happy to help.
FAQs
How much home insurance should I have?
The amount of coverage depends on the monetary valuation of the dwelling, the location and the risk factors involved. Our team will help you access your needs and find the ideal home insurance for you.
What does home insurance cover?
Most home insurance policies cover property damage, liability, personal property, and additional living costs from a covered loss.
Can I save on the costs of home insurance?
Yes! You can bundle policies, increase the deductible, and/or install security features to save money on home insurance.
Does home insurance cover floods?
Standard home insurance does not cover flood damage, so flood insurance may be required if you should live in an area prone to flooding.
How do I get a homeowners insurance quote?
Get a free homeowners insurance quote by calling us at 631-736-6100 or emailing joeg@xlbrokerageinc.com today.
