Compare Insurance Quotes with XL Brokerage Inc

Welcome to XL Brokerage an independent brokerage family owned and operated for over 25 yrs. Proudly serving the diverse coverage needs of individuals, families and businessowners in the state of New York from our two convenient locations in Selden and Mastic.

• Auto Insurance
• Commercial Insurance
• Home Insurance
• Other Insurance

XL is a well-respected Independent Agency with low rates and superior customer service. Being an independent agent we represent a multitude of insurance companies allowing us to compare rates and coverages which results in our clients receiving the lowest rates for thier insurance coverage needs.

Residents of Rocky Point, Patchogue, Mastic, and Selden, New York, should compare auto and home insurance quotes online to save time and money when searching for desired coverage and budget-friendly costs. Minimum liability limits for New York are 25/50/10, where the first two numbers display the maximum an injured person could receive if injured in an auto accident ($25,000) and the total dollars available per accident ($50,000). The third number addresses the maximum coverage for property damage ($10,000) per accident.

In most cases, this is insufficient for most area residents, as they could still be sued if injuries or property damage exceeds the maximum coverage amounts. By comparing quotes online, you can save all of the phone calls or personal visits to licensed agents needed to compare costs. Using the power of the Internet, you can even get multiple quotes to compare from a single independent agent, saving you vast amounts of time, confusion and money.

Auto and Home Insurance Costs Can Vary Widely

Prepare a checklist of the coverage you want for your car and house. Getting online premium estimates requires that you compare "apples to apples." Asking for cost estimates for identical coverage allows you to get a true picture of your protection options, eliminating unwelcome surprises when you select the apparent best choice for you.

Pay close attention to policy exclusions. For example, if your home is located in Rocky Point, Patchogue, Mastic, or Selden, you should specify protection against natural hazards (commonly called "acts of God"). Some homeowner's policies do not cover lightning, wind or water damage, which your climate suggests may occur.

Deductible limits are another way to save money. Getting quotes online allows you to see the cost savings you would enjoy by increasing your deductible for your auto or home coverage. Bundling your coverage (auto and home together) can also save you 10 to 20 percent of the cost for both insurance policies.