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1030 Jericho Tpke. Smithtown, NY 11787

Homeowner's Insurance

Cafarelli Insurance Agency Ltd. is an independent insurance agency that will shop multiple carriers to provide to you the very best home insurance policy available, including, Coastal Properties.   We understand the value of your home or condominium and want to make certain that not only do you have the right home insurance coverage in force to protect your asset, but that you are also maximizing the cost of your investment with your home insurance policy.

It is very important to understand Homeowner’s insurance coverage.  A basic New York homeowner’s insurance policy will cover the following:

·    The structure of your home
·    Replacement costs
·    Personal possessions (up to a set limit)
·    Living expenses in case of a disaster
·    Liability

You have the option of adding supplemental policies such as:

·    Valuable Articles/Floater policies (i.e. Jewelry Insurance)
·    Flood Insurance policies
·    Earthquake policies
·    Umbrella Insurance policies (additional liability)
·    Animal Liability (liability issues due to household pets)

Every homeowner's needs are different and your home insurance policy should reflect this fact.  If you are not a current homeowner and instead are renting, we also provide renters insurance for tenants. The agents at Cafarelli Agency, Ltd. will create a customized homeowner's insurance policy that will be best suited to you and your family.

Cafarelli Agency’s priority is working for you, our client,  by securing home insurance quotes for you with top rated insurance companies at no additional cost.  Our ultimate goal is to provide you with the lowest cost possible for homeowners insurance. 

Whether you are searching for homeowner's insurance for your first home, or need a reevaluation due to fluctuation of property value of your current homeowners coverage limits, looking to shop home insurance companies for a lower price, or if you were dropped from your home insurance company, Cafarelli will assist you.