Capell & Associates Inc.
A Long Island Insurance Agency
Homeowners Insurance for Long Island Property Owners
Protect Your Home, Property & Financial Security
Capell & Associates Inc. helps homeowners across Suffolk County and Nassau County, with options for New York City properties, secure homeowners' insurance policies that reflect how and where you live on Long Island.
Homeowners Insurance Built for Long Island Risks
What Does Homeowners Insurance Typically Cover?
A properly designed homeowners policy may include protection for:
Dwelling Coverage
Protection for the physical structure of your home, including attached structures, against covered losses such as fire, wind, and vandalism.
Personal Property
Coverage for personal belongings, including furniture, clothing, electronics, and household contents.
Personal Liability
Financial protection if you are held legally responsible for injury to others or damage to their property.
Additional Living Expenses
Coverage for temporary housing and related costs if your home becomes uninhabitable due to a covered loss.
Coverage for Primary Homes & Secondary Residences
We assist with homeowners' insurance for:
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Primary residences
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Seasonal or secondary homes
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Higher-value properties
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Homes with prior claims or unique construction features
Our goal is to balance adequate coverage with reasonable cost — without leaving gaps that could create financial hardship after a loss.