Personal Insurance

One of the biggest investments you will ever make is the purchase of a home. In the event of a loss you want to make sure you have the absolute best coverage available to you. Our Agency works with you in helping provide you with the best coverage with the most reasonable premiums.

Your Homeowners Policy will include:

• Dwelling coverage for your home
• Coverage for additional structure(s) on your property such as a detached garage or shed
• Personal belongings coverage for your appliances, furniture, clothing,
• Additional living expenses should you not be able to stay in your home due to a loss
• Legal liability for your property

The reason it is important for us to work with you is aside from the coverage’s listed above we need to make sure your policy has the additional coverage’s you require, such as:

• Replacement Cost on your Dwelling
• Replacement cost on you personal belongings
• Off Premises Theft
• Valuable Articles / Floater Coverage (Jewelry/Fine Arts Collections/ Sports Memorabilia)
• Water Back-Up

Aside from Homeowners policies, we can also help provide coverage for your condominium with almost all the same coverages, as well as Apartment policies protecting your personal belongings.

Personal Automobile
Operating an automobile in New York State requires you to carry liability insurance. In the event of an accident, it is imperative to have adequate liability limits and no-fault benefits. Depending on the year of your vehicle you may wish to have Comprehensive and Collision coverage as well.

The professionals at DeVito Agency will review your current coverage with you, making sure you have the best coverage in the event of a loss and make any recommendations to broaden your coverage to better protect you.

Umbrella Coverage
An umbrella policy will provide additional liability limits above the limits included on your homeowners and automobile policy. Adding a minimum of $1,000,000 of additional liability coverage can be inexpensive and the staff will review these options with you.

Flood Insurance
Certain areas throughout Nassau and Suffolk Counties, as well as within the Boroughs, require additional coverage to protect their property in the event of a flood. Homeowners polices exclude flood coverage and a flood policy, usually inexpensive, will cover that gap.

Unless you are purchasing a home, there is typically a 30 day wait period to obtain a flood insurance policy. Don't wait until you hear about a storm coming and are concerned about a flood occurring within your home to obtain this coverage. We can help you today!

Other Insurance
Other areas we can assist you with your personal insurance include:

• RENTAL PROPERTIES
• CLASSIC/ANTIQUE CARS
• MOTORCYCLE
• PERSONAL ARTICLES
• BOAT/YACHT
• JETSKI
• SNOW MOBILE

The Nicholas DeVito Agency works with multiple insurance companies, enabling our clients to get the most affordable rates available, including those homes located on or close to the water.