Queens County has 2,323,052 residents in 841,003 households. We list 5 insurance agencies in Long Island City. Here is what the local numbers say about the cover people here need.

Long Island City at a glance

5insurance agencies listed
55.1%of households rentRenters insurance
$723,800median home valueHome insurance
1953median year homes were builtRebuild cost calculator
37.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Queens County (the Census does not publish Long Island City as a separate place). Agency count: our listings.

Natural hazard risk in Queens County

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

Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in New York
Winter weatherVery High
Inland floodingVery 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
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
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance

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.

What Long Island City agencies can write

Share of the 5 agencies listed in Long Island City that are appointed with at least one insurance company writing each type, or that name it on their own website.

Life20%
Home20%
Condo20%
Landlord20%
Auto20%
Renters20%
Boat20%
Umbrella20%

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Long Island City agencies are

Long Island City agencies we list sit in 2 ZIP codes, mostly in Queens County.

111014 agencies
111091 agency

Questions

Insurance agencies in Long Island City

How do I find an insurance agency in Long Island City?

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.

Do I need flood insurance in Long Island City?

FEMA's National Risk Index rates inland flooding risk in Queens 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.

Do I need renters insurance in Long Island City?

55.1% of households in Queens County rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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