Valley Stream has 40,315 residents in 12,340 households. We list 3 agencies for inland marine insurance in Valley Stream. Here is what the local numbers say about the cover people here need.

Valley Stream at a glance

3inland marine insurance agencies listed
21.3%of households rentRenters insurance
$616,100median home valueHome insurance
1951median year homes were builtRebuild cost calculator
5.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Nassau County

FEMA rates the overall natural hazard risk in Nassau County, where most Valley Stream agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
Ice stormVery High
Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in New York
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Valley Stream
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in New York

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in New York

New York requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($50,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident). New York is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in New York How much liability cover do you need?

Source: dfs.ny.gov. Checked 2026-10-24.

Where Valley Stream agencies are

Valley Stream agencies we list sit in 2 ZIP codes, mostly in Nassau County.

115802 agencies
115811 agency

Questions

Inland Marine insurance in Valley Stream

All insurance agencies in Valley Stream · Inland Marine insurance across New York

Where can I find inland marine insurance in Valley Stream?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does inland marine insurance cover?

Covers goods, tools and equipment while in transit or away from your premises.

Do I need flood insurance in Valley Stream?

FEMA's National Risk Index rates coastal flooding risk in Nassau County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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Inland Marine insurance near Valley Stream

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