Frequently Asked Questions

If I haven't had insurance in a while, can I still get a policy?

Yes! Some plans do require you to have some history; however, we do have multiple options to help better protect you, whether it's your first car or you've been insured for decades.

What can be done to help lower my rate?

There are a number of different discounts that can help bring down your overall price, and our licensed agents can review your situation to make sure you are receiving the most out of your discounts. In New York State, defensive driving is a super easy way to qualify for a 10% discount for 3 years! Also, total mileage and driver usage can adjust the rate.

Does my car insurance cover a rental car?

Rental car reimbursement/transportation coverage is an optional coverage and is not included on every car insurance plan. Additionally, rental car coverage provides funds for a car to drive while yours is being repaired due to a covered loss. One of the biggest misconceptions with this coverage is whether it can apply while a vehicle is in the shop for scheduled maintenance.

Can I insure my home if it's in a trust?

Depending on the type of trust and the ownership of the property, we can help direct you on how to properly insure the home so that there are no gaps in coverage.

Do you sell insurance for pets?

Yes! We offer pet health insurance plans for cats and dogs. There are a variety of different plans available. Book a call to chat with one of our agents, and we can help get coverage in place for your pets today!

I was thinking about setting up a college fund for my kids/grandkids. Do you have someone that can help with a plan?

Of course! We have financial plans for every stage of life. Book a call for a free financial review/consultation today, and one of our licensed agents can sit with you to help determine the best plan to reach your goals.

How can I insure my engagement ring?

Most homeowners insurance policies limit the amount of coverage for high-value jewelry items. We have a few options that can help insure your jewelry, whether it is a collection of a bunch of items or if you are looking to insure one item.

How do I know the amount of insurance I have is the 'right' amount?

Everyone's situation is different, and insurance needs vary over time. It is important to review your coverage frequently to make sure that you have the proper protection for your current needs. Whether you've purchased a new home, started a business, welcomed a new family member, or experienced another major life change, our licensed agents can help review your coverage and identify any potential gaps to ensure you're properly protected.

Your Agent, Your Advocate

Since beginning his journey in the insurance industry in 1992, James Tomeo has been dedicated to helping families protect their future and gain peace of mind. He takes the time to listen, explain your options, and find the right coverage for your needs. Throughout every step of the process, he strives to be more than just your insurance agent, but also a trusted friend.

Proudly serving our community with honesty, integrity, and personalized service.

Loyal NY Jets and NY Mets fan, win or lose.