Insurance Broker on Long Island, NY
Long Island drivers and homeowners pay some of the highest insurance rates in the state — but you don’t have to accept the first quote you get. K&N Insurance Brokerage is an independent broker in Huntington that compares rates across multiple carriers for Nassau and Suffolk County residents. 895+ Google reviews. Free quotes. Five languages spoken.
Learn more: Insurance Broker in New York — Independent, Local, Trusted
Why Long Island Needs an Independent Insurance Broker
Long Island’s insurance landscape is unique in New York. Suffolk County rates are 20-30% lower than Queens for auto insurance, but homeowners insurance can be significantly higher — especially for coastal properties near the Sound or the South Shore. According to the Insurance Information Institute, Long Island generates some of the highest property insurance claims in the state due to nor’easters, flooding, and wind damage.
An independent broker navigates this complexity for you. We know which carriers are most competitive in Commack versus Cold Spring Harbor, which ones handle coastal homeowners claims well, and which ones offer the best bundling discounts for Long Island families with multiple vehicles and a home.
As Nour Fahmy, founder of K&N Insurance Brokerage, notes: “Long Island families typically need auto, home, and sometimes umbrella and boat coverage. When we bundle everything through the most competitive carriers, the savings compound. We’ve seen families save $1,500-$2,500 per year by switching from a captive agent to our brokerage — and they get better coverage in the process.”
Insurance Products for Long Island Residents
| Product | Long Island Context |
|---|---|
| Car Insurance | LIE, Northern State, Southern State commuters. Deer strikes in Suffolk. 20-30% less than NYC. |
| Home Insurance | Coastal exposure, nor’easters, flooding. Separate flood policy often needed. |
| Boat Insurance | Huntington Harbor, Northport, Great South Bay. Essential for LI boaters. |
| Commercial Auto | Landscapers, contractors, delivery — Long Island’s service economy needs fleet coverage. |
| Umbrella Insurance | Asset protection for LI homeowners with significant property values. |
| Renters Insurance | Growing LI rental market. Bundle with auto for 10-25% savings on both. |
Long Island Communities We Serve
Suffolk County
- Huntington
- Huntington Station
- Cold Spring Harbor
- Commack
- Northport
- Dix Hills
- Melville
- Smithtown
- Babylon
- Lindenhurst
- Bay Shore
- Islip
Nassau County
- Elmont
- Floral Park
- Garden City
- Mineola
- Hempstead
- Levittown
- Hicksville
- Syosset
- Massapequa
- Valley Stream
- Freeport
- Oceanside
Frequently Asked Questions
Is car insurance cheaper on Long Island than in NYC?
Yes — Suffolk County rates are typically 20-30% less than Queens or Brooklyn for the same coverage. Nassau County is 10-20% less. The exact difference depends on your ZIP code, driving record, and vehicle.
Do I need flood insurance on Long Island?
Standard homeowners insurance does NOT cover flooding. According to FEMA, 25% of flood claims come from properties outside designated flood zones. If you’re within a few miles of the coast or in a low-lying area, flood coverage is strongly recommended. We can quote flood policies alongside your homeowners coverage.
How is K&N different from other Long Island insurance agencies?
We’re independent — we compare rates across multiple carriers instead of selling one company’s products. We have 895+ Google reviews, speak 5 languages, and we re-shop your rate at every renewal instead of just sending you a bill.
Where is your Long Island office?
1730 E Jericho Tpke, Huntington, NY 11743. Free parking. Mon-Fri 9-5, Sat 10-5. Or call (631) 646-9090.
Do you insure boats on Long Island?
Yes — Huntington Harbor, Northport, Cold Spring Harbor, Great South Bay, and beyond. Learn about boat insurance.
Can you help with commercial insurance for my Long Island business?
Yes — commercial auto, BOP, general liability, workers’ comp, and landlord insurance for Long Island businesses.
Your Long Island insurance broker — right on Jericho Turnpike.
Free quote, 5 minutes, no obligation. We speak English, Spanish, Arabic, French, and Russian.
K&N Insurance Brokerage is licensed by the NY Department of Financial Services. Insurance products and pricing vary by carrier.