Long Island Insurance Agency Serving Nassau & Suffolk County Since 1992

We are a local, independent insurance agency based in Centereach, Suffolk County — not an 800 number, not a national call center — and we have been covering Long Island homes, businesses, and contractors for 34 years.

Long Island Has Its Own Risk Profile — Your Coverage Should Reflect That

Living and working on Long Island means facing a set of insurance exposures that most mainland policies are not built to address. Coastal geography puts Nassau and Suffolk County properties in the path of hurricanes, nor'easters, and named storms that trigger separate deductibles most homeowners don't fully understand until they file a claim. FEMA flood zone designations cover a significant portion of both counties, and standard homeowners policies do not cover flood damage — that requires a separate policy entirely. New York's no-fault auto insurance rules add another layer of complexity that affects every driver on the island. And if you're in construction, New York's Scaffold Law creates liability exposure that requires a carrier and policy structure built specifically for it. We review your full coverage picture with all of these regional factors in mind.

Coverage for Every Part of Life on Long Island

Home, auto, flood, umbrella, life, boat — we place personal lines coverage for Long Island families across both Nassau and Suffolk County. For homeowners, that means reviewing named-storm deductibles, flood zone status, and coastal wind exposure alongside your standard dwelling and liability coverage. For drivers, it means navigating NY's no-fault requirements and finding the right carrier from our market access rather than defaulting to one option. We cover the full picture of personal insurance on Long Island, not just the easy parts.

Most insurance buyers on Long Island are dealing with either a direct writer (one company, one set of rates) or a large national agency where their account is a number. As an independent broker, we are not captive to any single carrier. When your renewal comes up, we can shop your coverage across our full carrier panel to find the combination of price and protection that fits your situation. When a claim happens, we advocate for you — not for the carrier. When your risk changes (a renovation, a new vehicle, a new job site), we adjust your coverage rather than waiting for you to figure out what needs to change. That is what local, independent representation looks like after 34 years on Long Island.

34 Years. Both Counties. One Local Agency.

E. A. Funk & Associates has been placing insurance for Long Island clients since 1992. Our office is in Centereach, in the heart of Suffolk County, and we serve clients across Nassau County as well. We are not a new agency that recently expanded to Long Island — this is where we have always been, and the clients and coverage needs here are what we know best. Our 179 Google reviews reflect a consistent pattern: people reach us when they call, we respond when something happens, and we handle the details so our clients do not have to.