Mon-Fri 9am-5pm

631-561-0023

[email protected]

Premier Homeowners Insurance in Selden & Long Island

Your home is likely your biggest investment. It deserves more than a "standard" policy.

At the Sean Worth Allstate Agency, we understand that a home on Long Island is different. 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 protection plans. We understand the specific challenges of New York homeowners, from North Shore windstorm deductibles to the replacement costs of high-end finishes.

Get an Insurance Quote

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.

Customized Coverage for Every Stage of Life

No two homes are alike. We move beyond "cookie-cutter" quotes to ensure your Dwelling, Personal Property, and Liability limits actually match your lifestyle.

Standard 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 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.

The "Concierge" Difference: Why Choose Sean Worth?

Most people don't realize they are underinsured until they file a claim.

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.

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.

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.