Mon-Fri 9am-5pm

631-561-0023

[email protected]

Premier Full-Service Insurance

in Selden & Long Island

Your financial security deserves more than a "standard" policy. At the Sean Worth Allstate Agency, we understand that life on Long Island presents unique risks. Whether you own a starter home in Selden, a coastal estate in Old Field, or a historic property in Stony Brook, generic coverage often leaves critical gaps. With over 70 years of combined team experience, we don’t just sell policies—we craft comprehensive protection plans. From the LIE to the back roads of the North Shore, we provide the local expertise you need to protect your vehicle, your family, and your legacy.

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Customized Coverage for Every Stage of Life

We specialize in:

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.

Comprehensive Protection for Every Aspect of Your Life

We offer a full suite of insurance solutions designed to safeguard your assets and your future.

Our team moves beyond "cookie-cutter" quotes to ensure your limits actually match your lifestyle.

Homeowners

Comprehensive protection for single-family homes against fire, theft, and vandalism.

High-Value & Luxury Homes

Specialized packages for homes exceeding standard rebuild limits, including custom craftsmanship.

Condo & Co-op

Tailored "walls-in" coverage designed to protect your interior structure and meet board requirements.

Renters Insurance

Essential protection for your personal belongings and liability while renting.

Auto & Leisure Insurance

Auto Insurance: Reliable protection for your daily commute with access to New Car Replacement and teen driver discounts.
Boat & Marine: Specialized coverage for Long Island boaters, from center consoles to yachts in Port Jefferson Harbor.
Motorcycle Insurance: Protection for the open road, including custom parts coverage and seasonal "winter lay-up" pricing.

Life & Asset Protection

Life Insurance: Guarantee your family’s standard of living with Term, Whole Life, or Universal Life solutions.
Umbrella Insurance: An extra safety net that sits on top of your existing policies to protect your savings and future wages from lawsuits.

Serving Communities Across New York

While our office is based in Selden (11784), we proudly serve homeowners across the NYC metropolitan area, with a specific focus on Suffolk County:

North Shore: Stony Brook, Old Field, Setauket, Port Jefferson, Mount Sinai, Miller Place.
Central Suffolk: Centereach, Farmingville, Coram, Smithtown.
NYC & Five Boroughs: Specialized coverage for Queens, Brooklyn, and Manhattan properties.

Common Questions About Long Island Home Insurance

Does Allstate cover wind and hurricane damage on Long Island?

Yes. However, deductibles for wind and named storms can vary depending on your proximity to the shore (e.g., North Shore communities like Head of the Harbor or Miller Place). Sean Worth’s team will review your policy to ensure you understand your specific windstorm deductibles and coverage triggers.

How much home insurance coverage do I need in Suffolk County?

You should carry enough coverage to rebuild your home entirely (Dwelling Coverage) and replace all your belongings (Personal Property). Given the high cost of construction in New York, we recommend a "Replacement Cost" estimator review, which we provide free of charge to all new clients.

Can I bundle Home and Auto insurance in NY?

Absolutely. Bundling your Home and Auto insurance is the most effective way to lower your premiums. Allstate offers significant multi-policy discounts that can make premium coverage surprisingly affordable.

The "Concierge" Difference: Why Choose Sean Worth?

Most people don’t realize they are underinsured until they file a claim. We focus on the details that matter:

Market Value vs. Replacement Cost: We ensure your policy covers the cost to rebuild your home at today's labor and material prices, not just what it's worth on the real estate market.
Asset Protection: If you have a swimming pool, trampoline, or entertain guests frequently, your liability risk increases. We help you layer Umbrella Insurance over your home policy to protect your future assets from lawsuits.
Local Claims Advocacy: When a storm hits Suffolk County, you aren't just calling a 1-800 number. You have a local advocate right here on Middle Country Road.