Personal Insurance
PROTECT YOUR HOME, VEHICLES, AND BELONGINGS WITH COVERAGE YOU CAN TRUST
Life happens, and when it does, you deserve to feel confident that everything you’ve worked for is protected. At The DeVito Agency, we help individuals and families secure the right personal insurance coverage with clear explanations, competitive rates, and guidance you can rely on.
Whether you’re a homeowner, a renter, or simply looking to strengthen your protection, we’re here to make choosing insurance simple.
Affordable Protection for Flood-Prone Areas
Flood coverage is not included in standard homeowners policies, and many areas across NY & FL benefit from having it.
We’ll help you:
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Understand flood zones
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Review your risk level
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Choose affordable policies
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Navigate the typical 30-day waiting period
Don’t wait until a storm is coming; we can help you get protected now.
*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.
Contact Our Offices
NEW YORK OFFICE
271-2 Route 25A
Mt. Sinai, NY 11766
Phone: (631) 509.6388
Fax: (631) 509.0099
FLORIDA WEST COAST OFFICE
15275 Collier Blvd.
Suite 201
Naples, FL 34119
Phone: (239) 776.8032
FLORIDA EAST COAST OFFICE
759 SW Federal Hwy.
Stuart, FL 34994
Phone: (772) 677.5333
Coverage Designed to Protect Where You Live
Your home is one of your biggest investments — and the right policy protects not just the structure, but the life you’ve built inside it.
We help you secure comprehensive protection for:
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Your home or condo structure
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Detached structures (garages, sheds, etc.)
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Personal belongings (furniture, clothing, electronics, etc.)
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Additional living expenses if you're displaced after a covered loss
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Personal liability coverage
We’ll also review important add-ons to ensure nothing is overlooked, including:
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Replacement cost coverage
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Valuable articles / jewelry & fine arts
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Off-premises theft
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Water backup coverage
Coverage That Protects You on the Road
From liability requirements to collision and comprehensive options, we make sure you’re protected when accidents happen.
We help you understand:
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Liability limits
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No-fault requirements (NY-specific)
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Collision & comprehensive coverage
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Uninsured/underinsured motorist coverage
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Coverage recommendations based on your vehicle and driving needs
We’ll review your current policy and make sure you’re getting strong protection at a competitive price.
Extra Protection for Life’s Unexpected Moments
Umbrella insurance adds an extra layer of liability protection above your homeowners and auto policies. It’s cost-effective and provides peace of mind.
Most clients choose:
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$1,000,000+ additional liability protection
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Coverage for major incidents beyond standard policy limits
We’ll walk you through your options to determine the right limit for your lifestyle.
Coverage for the Personal Items That Matter Most
We also offer protection for:
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Boats & yachts
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Motorcycles
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Classic / antique cars
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Jet skis
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Snowmobiles
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Rental properties
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Personal articles (jewelry, collectibles, fine arts)
If it matters to you, we can help you insure it properly.
Protection You Can Feel Confident About
From reviewing your current policies to finding better options, we provide honest advice, competitive pricing, and local support to help you protect what matters most.