Driving in New York presents unique challenges. Heavy traffic, weather hazards, and high repair costs mean that having the right auto
insurance is about more than just staying legal—it’s about financial survival.
At Sean Worth Allstate, we don't just quote you the state minimums and send you on your way. We help you build a policy that
protects your vehicle, your passengers, and your assets. With 70+ years of combined team experience, we know how to maximize
your protection while hunting down every available discount.
Standard Homeowners (HO-3): Comprehensive protection for single-family homes against fire, theft, and vandalism.
High-Value & Luxury Homes: Specialized packages for homes exceeding standard rebuild limits, including coverage for custom craftsmanship and architectural details.
Coastal Property Solutions: Expert navigation of hurricane deductibles and flood insurance requirements for homes in Port Jefferson, Setauket, and Nissequogue.
Secondary & Vacation Homes: protecting your getaway property on the East End or upstate.








New York State requires all drivers to carry No-Fault coverage (Personal Injury Protection) to pay for medical expenses regardless of who caused the accident, as well as Liability coverage for Bodily Injury and Property Damage. However, state minimums are often insufficient for homeowners or high-net-worth individuals. We recommend reviewing your liability limits to ensure your personal assets are protected.
In many cases, your comprehensive and collision coverage may extend to a rental car within the US, but it depends on your specific policy limits. Before you rent a car for a vacation or business trip, give our office a quick call to verify your coverage so you can decline the rental counter insurance with confidence.
High traffic density, higher costs of medical care, and expensive vehicle repair rates in the NY metro area contribute to higher premiums. The best way to combat this is by bundling policies, maintaining a clean driving record, and reviewing your policy annually with a local agent like Sean Worth to find new discounts.
Selden & Centereach
Stony Brook & Setauket
Port Jefferson
Mount Sinai & Miller Place
Holtsville & Farmingville


248- 260 Middle Country Rd #18
Selden, NY 11784
Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 6pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 12pm
Closed Sunday
Manhattan, Bronx, Brooklyn, Staten Island and Queens
Suffolk and Nassau, Long Island and all of NY
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