Homeowners Insurance
Protection for Homes, Condos, Co-ops & Renters
Your property is one of your most important investments. We help homeowners, condo owners, co-op owners, and renters explore coverage options designed to protect their homes, belongings, and financial future.
Coverage options may include:
- Dwelling protection
- Personal property coverage
- Liability protection
- Additional living expenses
- Valuable items coverage
Additional Protection Options
Whether you're purchasing a new home or reviewing your current policy, our team can help you evaluate your coverage needs with confidence.
Auto Insurance
Coverage for Every Driver & Every Vehicle
Whether it’s your golden oldie, family SUV, daily commuter, or new sports car, Clancy & Clancy has competitively priced auto insurance solutions designed around your needs.
Coverage options may include:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured motorist protection
- Roadside assistance
Our team can help you review available discounts, bundling opportunities, and coverage options tailored to your driving lifestyle.
Personal Umbrella Insurance
Additional Liability Protection for Your Assets
Life is unpredictable, and sometimes accidents can result in liability claims that exceed the limits of your homeowners, auto, or other personal insurance policies.
A personal umbrella insurance policy serves as an additional layer of liability protection, helping safeguard your savings, investments, future earnings, and other assets from potentially significant claims or lawsuits.
Often referred to as an asset protection policy, umbrella insurance can provide added peace of mind for individuals and families seeking broader financial protection.
Personal umbrella insurance may help provide additional coverage for:
- Personal liability claims
- Serious auto accidents
- Bodily injury claims
- Property damage claims
- Certain legal defense costs
If you own a home, have significant assets, host guests regularly, own recreational vehicles, or simply want an added layer of protection, a personal umbrella policy may be worth considering.
Pet Insurance
Help Protect Your Four-Legged Family Members
Pets are an important part of the family, and unexpected illnesses or accidents can lead to costly veterinary bills. Pet insurance can help cover medical expenses, allowing you to focus on your pet's health rather than unexpected costs.
Whether you have a playful puppy, an adventurous cat, or a senior companion, Clancy & Clancy can help you explore pet insurance options designed to fit your budget and your pet's needs.
Coverage options may include:
- Accidents and injuries
- Illnesses
- Diagnostic testing
- Surgeries
- Hospitalization
- Prescription medications
- Optional wellness and preventive care (depending on the policy)
Our team can help you understand the available coverage options and find a plan that protects both your pet and your finances.
Boat & Watercraft Insurance
Coverage for Your Time on the Water
Owning a boat or personal watercraft comes with unique risks and responsibilities. Boat insurance can help protect your investment and provide liability coverage while enjoying time on the water.
Coverage options may include:
- Physical damage coverage
- Liability protection
- Theft protection
- Equipment coverage
- Uninsured boater coverage
- Emergency assistance
We can help insure various types of watercraft, including:
- Boats
- Jet skis
- Personal watercraft
- Sailboats
- Fishing boats
Our team can help you review available coverage options based on your vessel, usage, and storage needs.
Flood Insurance Protection
Is Your Home Protected Against Flood Damage?
Many homeowners are surprised to learn that standard homeowners' insurance policies typically do not cover flood damage.
Flooding can happen almost anywhere—even outside designated high-risk flood zones. In fact, many homes throughout Garden City are located in B, C, and X Flood Zones, which are considered lower-risk areas but can still experience flooding from heavy rainfall, stormwater runoff, and severe weather events.
Flood insurance may help protect:
- Your home's structure
- Electrical and plumbing systems
- HVAC equipment
- Flooring and built-in features
- Personal belongings (subject to policy limits)
For homeowners requiring additional protection, excess flood insurance options may also be available.
Our team can help review your property's flood exposure and determine whether flood coverage may be a valuable addition to your overall protection plan.
Specialty Insurance
Coverage for Life's Unique Moments & Valuable Experiences
Some situations require additional protection beyond standard insurance policies. We help clients explore specialty coverage options designed for important events, travel plans, and recreational assets.
Wedding Insurance
Wedding insurance can help protect against unexpected issues such as cancellations, vendor issues, weather disruptions, and liability concerns surrounding your special day.
Travel Insurance
Travel insurance can help protect against trip interruptions, medical emergencies, travel delays, and lost baggage while traveling domestically or internationally.
Frequently Asked Questions
We offer a range of personal insurance solutions, including homeowners, auto, flood, jewelry, wedding, travel, and boat insurance coverage.
In many cases, bundling policies may help simplify coverage management and provide opportunities for savings.
Standard homeowners' policies may provide limited coverage for jewelry and high-value belongings. Additional coverage may help provide broader protection.
Most homeowners' insurance policies do not include flood coverage. Separate flood insurance may be needed depending on your property and risk exposure.
Coverage varies by policy. While many pet insurance plans focus on accidents and illnesses, some carriers also offer optional wellness plans that may help cover routine exams, vaccinations, and preventive care.
Yes. Our team can review your current policies and help identify potential gaps, limitations, or opportunities for improved protection.
Let’s Help Protect What Matters Most
Whether you’re protecting your home, vehicle, valuables, travel plans, or special events, Clancy & Clancy is here to help you explore personalized insurance solutions with confidence.