Coverage for every part of your life

From your home to your business, your boat to your future James Tomeo Insurance builds personalized plans with the care of someone who treats every client like a friend.

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home insurance

Protect your property whether you own it, rent it, or lease it to others. We cover the full spectrum of residential property needs with plans tailored to your living situation.

Homeowners

Primary residence

Secondary / vacation homes

Dwelling & personal property

Landlord & dwelling

Rental property coverage

Loss of rental income

Landlord liability

Condo, co-op & renters

Condo unit owner coverage

Co-op apartment coverage

Renters personal property

Best for: Homeowners, condo & co-op owners, and landlords across New York.

Vehicle/Auto insurance

Coverage for every kind of driver and every kind of vehicle. Whether you drive a daily commuter, a classic collector car, or something in between we have a policy built for you.

Standard auto

Liability, collision & comprehensive

Uninsured motorist coverage

Multi-car discounts

Classic & collector auto

Agreed value coverage

Restoration coverage

Low-mileage rates

Non-standard auto

High-risk driver coverage

SR-22 filings

Lapsed coverage solutions

Best for: Everyday drivers, high-risk drivers seeking a fresh start, and collectors who want their prized vehicles properly valued.

Life insurance

Ensure your loved ones are taken care of no matter what life brings. From short-term coverage to long-term wealth building and retirement planning — we help you find the right fit for where you are in life.

Term life

Short-term coverage options

Income replacement

Affordable premiums

Permanent life

Whole & universal life

Cash value accumulation

Long-term wealth building

Retirement planning

Annuities & retirement income

Tax-advantaged strategies

Investments

Investment-linked policies

Portfolio protection

Best for: Parents, spouses, business owners, and anyone building long-term financial security for the people they love.

Boat Insurance

Protection against the unexpected so you can enjoy every trip on the water with confidence. Whether you're fishing, cruising, or spending time with family and friends, we help safeguard your boat and your adventures.

Boat Coverage Options

Recreational boat coverage

Fishing boat protection

Personal watercraft coverage (Jet Skis)

Liability protection

Physical damage coverage

Theft & vandalism protection

Best for: Boat owners, fishing enthusiasts, recreational boaters, and families who enjoy time on the water.

Business insurance

Protect your business from everyday risks with customized coverage designed to keep your operations running smoothly and your assets protected.

General Business Protection

General liability insurance

Business property coverage

Business interruption protection

Equipment & inventory coverage

Employee & Workplace Coverage

Workers' compensation

Employer liability protection

Workplace injury coverage

Employee-related risk protection

Commercial Auto & Specialized Coverage

Commercial vehicle coverage

Fleet protection

Professional liability options

Industry-specific insurance solutions

Best for: Small businesses, contractors, professional services, retail stores, restaurants, and growing companies.

Renters Insurance

Affordable protection for the belongings you value most, along with liability coverage to help protect you from unexpected events while renting your home.