Home & Auto Insurance in Nassau & Suffolk County
Trusted, family-owned insurance agency in Garden City since 1968 — serving Nassau, Suffolk, NYC & all of New York State.
Serving Long Island, NYC & All of New York State
Service Areas: Garden City • Mineola • New Hyde Park • Westbury • Levittown • Hicksville • and more across Long Island & NYC
Why Long Island Families Choose Us
✓ Local, family-owned agency in Garden City since 1968
✓ We shop top-rated carriers to get you the lowest rate
✓ Home, Auto, Flood (FEMA & private), Landlord, Umbrella & Business
✓ Call (516) 294-1000 or start a quote online
✓ Billing & Claims — Pay a bill online, make a claim with your carrier, or call our office for personal assistance.
Explore More Insurance Options
Homeowner Insurance
Protect your Long Island home with insurance that covers the dwelling, belongings, and liability—plus options for valuables, water backup, and equipment breakdown. We compare top carriers in Nassau & Suffolk to balance price and protection. Bundle with auto for added savings and simplicity. Trust a family-owned agency serving New York families since 1968 for reliable coverage and personal service.
Auto Insurance
Drive with confidence knowing your car is covered. We shop multiple carriers to find the best combination of liability limits, deductibles, and discounts—multi-car, safe driver, or telematics. Add extras like roadside assistance and rental reimbursement for more protection. Whether you commute daily or stay local, The Town Agency helps New Yorkers find affordable, dependable auto insurance with local service you can trust.
Bundle & Save
Bundle your home and auto into one policy for simpler billing, one renewal, and multi-policy discounts that lower your premium. We compare leading carriers in Nassau & Suffolk to align limits, deductibles, and extras like roadside assistance, rental reimbursement, and water backup. Protect your home, car, and family with coordinated coverage. Rely on a trusted, family-owned agency serving New York since 1968.
Flood insurance
Standard home insurance doesn’t cover flood damage. We quote FEMA (NFIP) and private flood insurance to protect against storm surge, heavy rain, and rising water common on Long Island. Our team helps you compare rates, waiting periods, elevation requirements, and building vs. contents coverage. Serving Nassau, Suffolk, and NYC, we make sure your home has the right protection when the water rises.
Landlord Insurance
Protect your rental property with landlord insurance that covers the dwelling, liability, and optional loss of rental income after a covered claim. Policies are available for single-family homes, duplexes, and small multi-unit properties across Nassau, Suffolk, and NYC. Choose higher liability limits and consider umbrella coverage for added protection. We’ll compare carriers and guide you to the right coverage for your investment property.
Umbrella Insurance
Add an umbrella policy for $1–$5 million in liability coverage above your home, auto, and landlord policies. Umbrella insurance helps cover legal defense, large lawsuits, or costly claims when standard limits are exhausted. Affordable for families and property owners, it provides peace of mind across Nassau, Suffolk, and NYC. Let The Town Agency help you secure an extra layer of financial protection.
Every business has unique risks. We design commercial packages that can include general liability, property, business income, workers’ comp, commercial auto, and cyber coverage. Whether you run a storefront, office, or contracting business in Nassau, Suffolk, or NYC, we’ll compare top carriers to meet your budget and contract requirements. Get responsive local service and tailored business insurance from a family-owned agency trusted since 1968.
Save hundreds with top-rated carriers — we compare rates for you.
We compare quotes from top-rated carriers to save you money
We partner with leading companies like Travelers, Progressive, Andover and more to find you the right coverage at the right price.
National General Insurance Company
Mountain Valley Insurance Company
Adirondack Insurance Exchange
National General Insurance Company
Travelers Insurance Company
Progressive Insurance
Kemper Insurance Company
Travelers Insurance Company
Aon Edge Flood Insurance
Lloyd's of London Insurance
Assurant Insurance Company
Aon Edge Flood Insurance
Narragansett Bay Insurance Company
Lemonade Insurance
Merchants Mutual Insurance Company
Narragansett Bay Insurance Company
How Our Quote Process Works
1) Tell us about your home, car, or business
Start online in about a minute. No obligation and we’ll only ask what we need.
2) We compare rates from top-rated carriers
As an independent agency, we shop multiple insurers to find the coverage and price that fit.
3) Ongoing support when you need it
Our agents stay with you after purchase—helping with billing, claims, and renewals.
Client Reviews
See why families and small businesses across Long Island trust us for homeowners, auto, and business insurance. ⭐ Rated 4.9/5 on Google
⭐⭐⭐⭐⭐
Great experience with The Town Agency! They helped me with both my home and auto insurance and saved me a good amount. Everything was explained clearly, and the process was quick
Sarah M.
⭐⭐⭐⭐⭐
Highly recommend! I purchased new home and auto policies - they maintained the same coverages as my old policies but were substantially discounted. The customer service was excellent.
Michael B.
⭐⭐⭐⭐⭐
John, Liz, and the Town Agency team are the best insurance professionals I’ve worked with. From my first quote call, they made me feel welcome, answered every question, and worked hard to find the right policy at a fair price. I struggled to get affordable flood insurance; John hunted down the right carrier and delivered an unbelievable premium. I’m grateful and plan to stay with The Town Agency for years—already recommending them to friends and family.
Craig O.
⭐⭐⭐⭐⭐
Love these guys they saved me a ton of money on all my policies.
William F.
⭐⭐⭐⭐⭐
I have been with the Town Agency for almost 2 years and this is by far the best agency I have ever been with. Just recently, I had a very serious problem due to an error made by my previous agent where they have entered incorrect date of my cancellation and DMV suspended my ability to renew my registration and even my driving license. I was not able to get the previous agency to help me in a timely matter, in fact they just kept saying that it is out of their hands and they have a different department for that. Laura was able to help me speed up the process by talking to them and DMV, tremendous help in an extremely stressful time.
Iwona K.
The Town Agency: Your One-Stop Shop for Insurance
The Town Agency has been providing insurance to clients in NY State, Nassau County, Suffolk County of Long Island, the 5 Boroughs, CT, NJ, CT, and FL since 1968. We are a family-owned insurance agency located in Garden City, NY.
We offer a wide range of insurance products, including:
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Business insurance
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Life insurance
Contact us today to learn more about our insurance services and how we can help you protect your assets and peace of mind. We look forward to hearing from you!
Contact Information
1205 Franklin Ave #102
Garden City, NY 11530
ALTERNATIVELY YOU CAN FILL IN THE FOLLOWING CONTACT FORM:
At our agency, you will have your own personal customer service representative to speak with when you call or come to our office. You will be surprised at how much money we can save you!
Frequently Asked Questions
How fast can I get a quote?
Most quotes are same-day. Share a few details about your home, auto, or business and we’ll compare rates from multiple top-rated carriers.
Do you serve my area?
Yes. We serve Nassau & Suffolk County, NYC’s 5 boroughs, and clients across New York State. Call if you’re outside these areas—we may still help.
Can I bundle home & auto for a discount?
Usually, yes. Bundling can lower premiums and simplify billing. We’ll check carriers to match limits, deductibles, and available multi-policy discounts.
Do you offer FEMA and private flood insurance?
Yes. We quote both NFIP (FEMA) and private flood options and recommend the best fit based on your property, elevation, and lender requirements.
How do I pay a bill or file a claim?
Visit Billing & Claims for carrier links and phone numbers, or call (516) 294-1000 and we’ll guide you step-by-step.