PERSONAL INSURANCE

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car- related financial losses during the term of the policy. We can help you determine the best coverage for your needs

How much auto insurance is right for you?
Our staff understands the New York State car insurance needs of our customers and will
help determine the right amount for you.

Classic & Antique Car Insurance

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years. Not all classic or antique cars are used the same, so Shelter Isalnd Insurance will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.


Here are some features you should look for when shopping for classic car insurance:
  • Agreed Value -
  • Low Rates -
  • Coverage Options -
  • Generous Mileage - You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.
  • Roadside Assistance - Whether you're down the street or on a classic rally , you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.
Do you need insurance for your prize Ferrari,Porcshe,Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Call us to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs.

Condo Insurance

Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.

If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.
Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. We can help you determine your coverage needs to make sure you’re properly covered.

Homeowners Insurance

Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Whether you’re a home or condo owner, a renter, we will work with you to find a New York home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price. Your home insurance policy is most often made up of the specific options you choose. How much you'll pay for your policy depends on:
  • Options you select
  • How much you want to cover
  • Where you set your limits
Worried you aren’t completely covered? Consider an umbrella policy that extends your coverage.

Life Insurance

Shelter Island Insurance can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include...

  • Term Life Insurance
    Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20- year (level term) period.

    Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
  • Whole Life Insurance
    Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.
  • Universal Life Insurance
    Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
Advantages of Life Insurance
Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

Motorcycle Insurance

Your motorcycle insurance policy can include any or all of the options below. call us today to discuss what coverage is best for you.
  • Roadside Assistance
  • Liability Coverage
  • Medical Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Custom Parts and Equipment

Boat and Watercraft Insurance

We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your

Do you know what to look for in an watercraft insurance policy?

  • Navigational Area
  • Agreed Value Coverage
  • Liability
  • Medical Payments
  • Physical Damage Coverage
  • Uninsured/Underinsured Watercraft Bodily Injury
  • Emergency Assistance
  • Fuel Spill Liability and Wreckage Removal

Health Insurance

Medical treatments aren’t inexpensive. Without health insurance coverage you could end up paying off medical bills for a long time. Shelter Island Insurance can help you find an affordable healthcare plan that’s right for you.

Types of Health Insurance

There are primarily three major types of health insurance policies to choose from: consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.
  • Consumer-directed
    A consumer-directed health plan is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.
  • Fee for Service
    A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.
  • Managed Care
    Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations

    (PPO), and point-of service (POS) plans.
  • Coinsurance - The percentage of medical bills you pay after meeting the deductible.
To learn more about our health insurance providers give us a call.

Flood Insurance

Standard home insurance doesn't cover flooding, therefore it is important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that could impact your property.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

Flood Insurance Coverage

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.

Building coverage includes

  • The insured building and its foundation
  • The electrical and plumbing system
  • Central air conditioning equipment, furnaces, and water heaters
  • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
  • Permanently installed carpeting over unfinished flooring
Contents coverage includes

  • Clothing, furniture, and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwaves and dishwashers
  • Carpeting that is not already included in property coverage
  • Clothing washers and dryers
The two most common reimbursement methods for flood claims are: Replacement Cost Value (RCV) and Actual Cash Value (ACV). RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the buildings replacement cost.
All other buildings and personal property (i.e. contents) are valued at ACV, which is the RCV at the time of loss, minus physical depreciation. Personal property is always valued using ACV.

Umbrella Policy

An umbrella policy provides additional liability protection. If the liability limits on your home, auto, or other underlying insurance policy are not sufficient, your umbrella insurance policy takes over and provides you with additional protection.
The cost is minimal.