We recognize that personal belongings and unforeseen circumstances can significantly impact your life. That’s why we are committed to offering personalized insurance solutions designed to meet your specific requirements. Check out our selection of personal insurance products below, and allow us to assist you in safeguarding your peace of mind.
Every home is different—and so are your coverage needs. Whether you own a house, rent an apartment, or manage a property, finding the right insurance plan should feel simple and reassuring. Our experienced agents are here to guide you through your options and match you with a plan that fits your lifestyle, space, and budget.
Request A QuoteJewelry, collectibles, family heirlooms, photographs
Cameras, instruments, firearms, even business-use computers
Appliances, furniture (indoor and outdoor), lawn decorations, clothing
Lightning, windstorms, hail, snow or ice damage, frozen pipes
Fire, theft, vandalism, riots, explosions, vehicle or aircraft damage
Water leaks, HVAC malfunctions, power surges
Covers your belongings in a rental property
Protection for property owners who rent to others
Tailored to the needs of condominium owners
Specialized plans for non-traditional homes
Your home is your most personal space. Let’s help you protect it—get a personalized quote today.
Navigating your boat or personal watercraft (PWC) across lakes, rivers, or ocean waters can be thrilling, but it’s essential to protect your vessel and everyone on board. Boat insurance provides peace of mind by safeguarding your boat, motor, trailer, and even protecting you against liability lawsuits and medical costs.
Request a quoteWithout a dedicated boat insurance policy, you may be underinsured. Homeowners policies typically have restrictions, including:
Whether you’re navigating calm waters or adventurous seas, boat insurance ensures you’re covered for both the expected and unexpected.
Every boat has unique needs. Customize your boat insurance to fit your vessel and your situation. Key coverage options include:
Protection for your boat's hull, sails, machinery, and more.
Coverage for replacing your boat with a new one in case of a total loss.
Coverage in the event of a fuel spill, including the cleanup and damage caused.
Whether you’re seeking comprehensive, liability, or collision coverage, we offer affordable boat insurance options that keep your boat—and your passengers—protected.
Auto insurance isn’t just about protecting your vehicle—it’s about protecting your financial future and meeting state requirements. Every state mandates a certain level of auto insurance to help ensure you and other drivers are covered in the event of an accident. Whether you’re a first-time car owner or looking to switch providers, understanding your coverage options is key to driving with confidence.
Request A QuoteAuto insurance is a contract between you and the insurance provider that protects you from financial loss due to accidents, theft, or other unforeseen events. In return for your premium payments, the insurer agrees to pay for damages as outlined in your policy.
Helps pay for damage to or theft of your vehicle
Covers your legal responsibility for bodily injury or property damage caused to others
Helps cover medical costs, lost wages, rehab, or even funeral expenses resulting from an accident
Looking for broader protection? Consider these additional coverage types:
Helps pay for damage to your car resulting from a collision with another vehicle or object, like a tree or a guardrail—even if you’re at fault.
Covers non-collision-related incidents like theft, vandalism, fire, flooding, hail, and even falling objects.
Protects against windshield damage and may extend to side windows, rear windows, and sunroofs. Some policies offer this without a deductible.
Want to make sure you’ve got the right coverage in place? Let’s get started with a personalized quote.
Motorcycle insurance works much like auto insurance—it protects you from financial responsibility in case of an accident and helps cover the cost of damage to your bike. Whether you’re riding across town or heading off on a weekend adventure, having the right coverage means more freedom and less worry.
Request A QuoteMost states require you to carry a minimum level of liability coverage—but beyond the legal minimum, there are many coverage options designed to protect your motorcycle, your finances, and your peace of mind.
Covers bodily injury and property damage you cause to others. Some policies also include Guest Passenger Liability for injuries sustained by a passenger.
Pays for damage to your motorcycle after a crash, regardless of who’s at fault.
Covers non-collision events like fire, theft, vandalism, and natural disasters.
Helps pay for medical bills or bike repairs if you're hit by someone with insufficient or no insurance.
If your ride includes chrome upgrades, custom paint, trailers, or sidecars, standard policies may not fully cover those parts. Make sure to talk to an agent about extended coverage options for customized components.
Choosing motorcycle insurance should feel just as smooth as your next ride. Let’s help you get there—start with a quick quote.
Whether you’re planning a dream vacation or heading overseas for work, travel insurance helps protect you from the unexpected. From canceled flights to medical emergencies abroad, we’re here to help you travel smarter—with less stress and more support.
Request A QuoteEven a perfectly planned trip can face unexpected hurdles. Travel insurance helps minimize the impact of travel disruptions by covering:
Get reimbursed for non-refundable expenses if your trip is cut short or canceled due to covered reasons.
Receive reimbursement for essentials if your bags are lost or delayed in transit.
Coverage for unexpected medical treatment while traveling internationally, including hospitalization.
Replace stolen cash, travel documents, or a passport.
Protection in case your airline, cruise line, or tour operator goes out of business.
For travelers who want extra protection, we offer optional add-ons like:
Many policies come in tiered bundles, offering increasing levels of coverage based on your needs.
Let one of our agents walk you through the options and build a plan that works for your itinerary—and your budget.
Small business insurance, also known as commercial insurance, helps safeguard your business from unexpected financial losses due to property damage, liability claims, or interruptions to your operations. Whether you run a small retail shop or a growing professional service, the right coverage can make all the difference in your long-term success.
Request A QuoteIt’s a collection of policies designed to protect different aspects of your business—from your physical space and equipment to your liability in case of accidents or lawsuits. These policies are often bundled into a Business Owners Policy (BOP) for convenience and cost-efficiency.
Each coverage comes with limits (the maximum amount your insurer will pay) and may include deductibles (your out-of-pocket costs). That’s why working with an agent to customize your policy is key.
Helps repair or replace your building (if you own it) and business property like furniture, computers, or machinery after events like fires or theft. Just make sure your coverage limits align with the actual replacement value of your property to avoid penalties.
Protects you if someone gets injured on your property or if you accidentally damage someone else’s property. This coverage can help pay medical bills, legal fees, and settlements up to your policy’s limit.
If a covered disaster forces you to close temporarily, this helps cover lost income, payroll, or even rent at a temporary location—so you can keep things running while you recover.
Depending on your business type, you may want to add extra protection such as:
Every business is unique—and your insurance should reflect that.
Talk to us today to get a tailored business insurance quote and expert help from a local agent who understands your industry.
We are dedicated to providing our customers with the best coverage at competitive rates. Just make one call to our agency, and we can shop your coverage through many top rated companies. With our professional staff, we can be your liaison with the insurance carrier in the event of a claim. We work for you, not the insurance company.
American Agency Inc. 140 S. Ocean Ave., Freeport, NY 11520
Phone: (516) 379-3600
Fax: (516) 379-6398
Jed Raynor:
jed@americanagency.com
Home insurance
Boat insurance
Auto Insurance
Bike insurance
Travel insurance
Business insurance
