Homeowners Insurance for Nassau & Suffolk County, Long Island
Tailored Homeowners Insurance Coverage for Suffolk and Nassau County Homeowners
Owning a home on Long Island comes with unique risks — from coastal storms and wind exposure to fire, theft, water losses, and personal liability claims. In Nassau County, especially, higher property values, dense neighborhoods, and aging housing stock make proper homeowners' insurance critical.
We provide Homeowners Insurance tailored for Nassau County homeowners, while also serving residents throughout Suffolk County and Long Island. Our policies are structured around local construction costs, New York underwriting rules, and real Long Island risk exposure.
Select Your Personal Insurance Quote Option
We make it easy to get fast, personalized quotes for all your most important coverages. Choose the type of protection you need below to get started:
Flood Insurance
Homeowners Insurance
Landlord Insurance
Life Insurance
Homeowners Insurance in Nassau & Suffolk County, NY
LIrisk provides homeowners insurance for primary residences, condominiums, and coastal
properties throughout Nassau County and Suffolk County. Our policies are designed to
protect Long Island homes from fire, storm damage, liability claims, theft, and loss of use.
Coverage Designed for Long Island & Coastal New York Homes
Homes across Long Island face unique risks including coastal storms, high wind exposure,
heavy rainfall, and rising property values. We help homeowners secure coverage that reflects
local construction costs, replacement values, and New York insurance requirements.
Coverage Designed for Long Island & Coastal New York Homes
This coverage is designed for:
• Primary homeowners
• Condominium and co-op owners
• Landlords and rental property owners
• Seasonal and secondary residences
• Coastal and high-risk flood zone properties
What Does Homeowners Insurance Cover?
A properly structured homeowners policy protects both your property and your personal liability. Coverage may include:
Dwelling Coverage
Pays to repair or rebuild your home after covered losses such as fire, windstorm, vandalism, or theft.
Other Structures
Covers detached structures like garages, sheds, fences, or pool houses.
Personal Property
Protects furniture, clothing, electronics, and household belongings against covered losses.
Personal Liability
Protects you if someone is injured on your property or if you’re held legally responsible for bodily injury or property damage.
Medical Payments to Others
Provides limited medical coverage for guest injuries, regardless of fault.
Loss of Use
Covers additional living expenses if your home becomes uninhabitable due to a covered claim.