Home Insurance in Larchmont, NY

If you call the suburb of Larchmont home, our experienced team can help show you your options for comprehensive homeowners insurance. Westchester County’s walkable village offers a direct commute to Manhattan, a variety of public and private schools, and the Sound Shore. It’s no surprise that Larchmont, NY is a desirable area.  You took great care in selecting your Larchmont home, the same level of care should be applied when choosing insurance coverage.

Private Client Insurance for Larchmont Homes 

We work with top insurance carriers who concentrate on the private client market. Your home in Larchmont is more than an investment- whether it’s a colonial with a porch you’ve always dreamed of, a luxury penthouse, or something in between- your home is your own unique sanctuary. Our team has experience with respect to many lines of insurance relevant to high-net-worth individuals, including antique, large, and one-of-a-kind home coverage. Reach out to one of our offices to discuss your home’s unique features.

Local Service for New York and Connecticut

From historic homes to high-end properties, our team would be happy to show you your options when it comes to homeowners insurance. We are a writer of New York and Connecticut homeowners insurance, and our knowledgeable staff can also provide options for renters and condominium insurance. We take a personal approach to your insurance needs. Our team is readily available by phone or email to answer questions you may have. If you experience a loss, our claims department will strive to make the claims process simple and efficient. We have decades of experience serving individuals and families throughout the Northeast.

The Gazebo at Larchmont, New York, USA
How Much is Homeowners Insurance in Larchmont, NY? 

How much you will pay to insure your home in Larchmont will depend on a few different factors. What coverages you choose, the size and value of your home, and your claims history can all go in to calculating the price. When you contact one of our local offices, we will collect information on your home to provide you with a customized quote.

Home Insurance Discounts 

Looking for discounts for insurance for your home? Reach out to one of our local offices to learn more about these potential offers:

  • Multi-policy discount: Many insurance carriers will offer discounts for having more than one policy through them, such as bundling your home and auto quotes together with the same insurance company.
  • Pay in full discount:  You typically will save money on your insurance policy by paying your 12-month premium in full. Check with your insurance carrier to see if they offer this option.

Top Home Insurance Companies 

Our offices represent many of the top personal lines partners in the market. Our resourceful and diligent team can find options to insure your home.

Living room in luxury home with fireplace
Do You Need Flood Insurance in Larchmont, NY? 

You can use this flood map from FEMA to see if your home in Larchmont is in an area with a high, moderate, or low flood risk. Even if you do not live by a body of water, melting snow thaw or clogged drainage could make your property vulnerable to flooding. Most homeowners insurance policies do not cover damages caused by floods. It should be noted that according to floodsmart.gov, one in three insurance claims come from moderate to low-risk flood areas. If you are looking for flood insurance for your home, our team is here to help. Send us an email or call one of our offices if you have questions.

It should be noted that in most cases, it takes 30 days for a flood policy to go into effect once the application is submitted. There are a few exceptions to this rule.

More Insurance Coverages for Larchmont

Our local offices can help you find coverage options for your home, but we also can assist you with coverage for your cars, boat, valuables, and more. For decades, we’ve helped successful individuals navigate the high-net-worth insurance market. Our team has experience addressing the broad range of exposures of large families and serving their widely varied structures and dynamics.

Reach out today to see how we can assist you with your insurance needs.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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