Personal

Auto

With the help of your insurance professionals at Marian Farese Insurance Agency, you can get New York auto insurance that will fit your life and your budget! We pride ourselves in serving our customers, and will search high and low to get you the best New York car insurance at a competitive price.

Our typical auto insurance package will protect you and your vehicle in case of a collision. It will pay bodily injury and property damage, and will often cover rental reimbursement and roadside assistance. Some plans also include a provision in the policy protecting against uninsured and underinsured motorists.

You should also know that when it comes to New York car insurance, there are many possible discounts for which you could qualify! Speak to a Marian Farese Insurance agent if any of the following apply to you:

  • You own multiple cars
  • You own a home
  • You have a record of safe driving
  • You or a family member is in the military
Any and all of these characteristics could save you money on a New York car insurance policy! We encourage you to call one of our agents today to find out exactly how much you could save versus your current New York auto insurance plan.

We are always happy to give you or a loved one a free car insurance quote, or answer any and all insurance questions you may have!


Home

With a little help from our agents, home insurance in New York is easily designed. With just a call, we will start the process of comparing homeowners insurance policies, and building one to fit your specific needs.

Homeowners insurance in NY offers the following coverages:

  • Protection for your home’s structure
  • Replacement costs if your home is damaged
  • Coverage for personal possessions, up to a limit set in the policy
  • Living expenses if you are involved in a disaster
  • Liability coverage
  • And more!
Here at Marian Farese Insurance, we recognize that every home and every homeowner are different, and we believe that every policy for home insurance should reflect that. If you want a policy tailored for your specific lifestyle, speak to one of our experienced agents today. We’ll answer any questions you have about home insurance in New York.


Flood

Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through Marian Farese Insurance can protect you.

Although it may not seem as necessary as homeowners insurance, you want to have additional coverage to keep your home safe and your possessions secure with flood insurance. NY homeowners can count on flood insurance to provide protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of policies are available based on your property’s location and flood history:

Standard Flood Insurance Policies
If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard policy for flood insurance. NY, homes are at risk for flooding, you have to be prepared if you reside in one of these states. Marian Farese Insurance can help you determine if you should be protected with flood insurance.

Preferred Risk Flood Insurance Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don’t wait until it’s too late. Contacting Marian Farese Insurance today will get you on the path to an affordable policy for flood insurance in NY.