Independent agency · Richmond Hill, New York

Personal & Commercial Lines · Licensed in NY, TX, NJ & IN

Certainty, put in writing.

N&H is an independent insurance agency. We read the fine print for a living, shop every major carrier on your behalf, and design coverage around the life you actually live — then stand next to you when it matters.

Start your review → Explore coverage
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The problem isn't price.

Form N&H / 02 — The Position

Most people don't find out what their policy says until the day they need it to say something else.

An N&H advisor sliding a policy folder across the table
The handoff — every policy explained before it's signed

Insurance sold over a call center is priced in minutes and understood never. Coverage gets copied from an old policy, a deductible gets set by a default, and an exclusion buried on page fourteen quietly becomes your problem alone.

We work the other way around. Because N&H is independent, we answer to you — not to a single carrier's quota. We start with your home, your cars, your business, your people, and then place each risk with the carrier that treats it best. The result reads differently because it was written differently.

Advice first. Policy second. Always in that order.

The coverage index.

Form N&H / 03 — Lines of Business
Form HO-3 / HO-5 · Personal Lines

The house, valued like it's yours.

Replacement-cost coverage tuned to Queens realities — older housing stock, two-family homes, and flood zones addressed from day one, not discovered after the storm.

  • Wind & hail
  • Flood placement
  • Replacement cost
  • Scheduled valuables

Measured, like everything else we do.

Form N&H / 04 — The Record
0%Client retention,
year over year
0Households & businesses
under our advice
0First response
on every claim
0A-rated carriers
competing for your risk

In their words

After the hailstorm, N&H called us before we could call them. The claim was moving by lunch.”
— The Moreno family · Homeowners since 2019
They found two gaps our old broker never mentioned — and still brought the total premium down.”
— D. Okafor · Owner, Okafor Logistics
It's the first time anyone explained our policies in sentences we could repeat to each other.”
— Sarah & James W. · Home, auto & umbrella

How a policy should be written.

Form N&H / 05 — The Method

Step 01 Listen

A real conversation about what you own, what you owe, and who depends on you. No forms yet, no quotes yet — just the full picture, because the full picture is what gets insured.

30 minutes · In person or by phone

Step 02 Audit

We read your current policies line by line and map every gap, overlap, and exclusion against your actual exposure. You get the findings in plain English, on one page.

Your current coverage, decoded

Step 03 Design

We take your risk to market — a dozen A-rated carriers competing on our terms, not theirs — and assemble the program that fits. You choose from options you understand.

Carriers compete. You decide.

Step 04 Advocate

When something happens, you call us — not a hotline. We file, we push, we translate adjuster into English, and we re-shop your program every renewal so it never drifts.

One number. A person answers.

The N&H Coverage Review

Find out what your policy actually says.

$0 Complimentary, always. Independent agents are paid by carriers — never by you.
Request your review → Call (718) 480-3044
  • Line-by-line audit of your current policies Included
  • One-page gap & exposure report Included
  • Market comparison across 12+ carriers Included
  • Side-by-side options, in plain English Included
  • Obligation to switch None

Write to us.

Form N&H / 07 — Correspondence

Delivered directly to info@nandhins.com

Phone(718) 480-3044
Fax(718) 480-3064
Emailinfo@nandhins.com
Office101-05 Lefferts Blvd, Suite 207
Richmond Hill, NY 11419
HoursMonday – Friday, 9:00am – 5:00pm
LicensedNew York · Texas · New Jersey · Indiana

Let's put it in writing.
Write info@nandhins.com
Call (718) 480-3044
Visit 101-05 Lefferts Blvd, Suite 207, Richmond Hill, NY 11419

Mon–Fri · 9a–5p ET · Fax (718) 480-3064

← All coverage

Form HO-3 / HO-5 · Personal Lines

Home & Property.

The largest thing you own, valued the way you'd value it. We write homes across Queens and the five boroughs — including the two-family houses, older construction, and flood-adjacent blocks that call centers don't know how to price.

What the policy carries

Dwelling & structures

Rebuilt at today's replacement cost, not the number on a decade-old policy. Detached garages, fences, and finished basements accounted for explicitly.

Personal property

Everything inside, from furniture to electronics, with replacement-cost settlement so a five-year-old sofa isn't paid out like a five-year-old sofa.

Personal liability

Protection when someone is injured on your property or you're held responsible for damage — the coverage most homeowners never think about until a lawyer does.

Loss of use

If a covered loss makes the house unlivable, your hotel, rent, and meals are the policy's problem, not yours.

Scheduled valuables

Jewelry, art, instruments, and collections itemized above standard limits, appraised and insured by name.

Flood placement

Standard homeowners policies exclude flood. We place NFIP and private flood alongside your homeowners so the gap simply doesn't exist.Ask about your flood zone

Condo, co-op & renters

HO-6 and HO-4 forms structured around what the building's master policy actually leaves to you.

Landlord & dwelling fire

Two-family and investment properties written on the right form, with loss-of-rents included.

← All coverage

Form PAP-1 · Personal Lines

Auto.

New York minimums protect the state, not you. We set liability and SUM limits that match what you actually have to lose, then make a dozen carriers compete on the same coverage — not a watered-down version of it.

What the policy carries

Bodily injury & property damage

Liability limits sized to your assets and income, because a serious accident doesn't settle at the state minimum.

Supplementary UM/UIM (SUM)

The most underbought coverage in New York: protection when the driver who hits you carries too little insurance — or none.We match SUM to your liability limits

No-fault / PIP

New York's mandatory personal injury protection, set correctly and coordinated with your health coverage.

Collision & comprehensive

Deductibles chosen deliberately — high enough to save premium, low enough that a claim never becomes a dilemma.

Glass, rental & roadside

Full glass with no deductible, rental reimbursement, and roadside — the small coverages that decide whether a bad week stays small.

New & teen drivers

Rate strategy for adding a young driver without doubling the household premium: good-student credits, driver assignment, and telematics where it helps.

Rideshare & delivery gap

Personal policies exclude commercial use. If you drive for an app, we close the gap between your policy and the platform's.

← All coverage

BOP / GL / WC · Commercial Lines

Business.

From the storefront on Lefferts to the fleet, the payroll, and the lease you signed — commercial coverage structured to survive an audit, a claim, and a growth year. Written for the business you built, not a category code.

What the policy carries

General liability

Third-party injury and property damage — the coverage every lease, contract, and client will ask you to prove. Certificates issued same-day.COIs same-day

Commercial property

Building, build-out, inventory, and equipment at replacement cost, with business income coverage so a closed month doesn't become a closed business.

Business owners policy (BOP)

Property and liability packaged for eligible businesses — broader coverage, one policy, one premium, usually less than the pieces bought separately.

Workers' compensation

Mandatory in New York from your first employee. Classified correctly so you're not overpaying on payroll audits — and covered when it counts.

Commercial auto

Vans, trucks, and vehicles titled to the business, with hired and non-owned auto for everything in between.

Professional liability (E&O)

When your advice, design, or service is the product, this is the policy that answers for it.

Cyber liability

Breach response, ransomware, and funds-transfer fraud — sized for small business reality, not enterprise theater.

← All coverage

Form PUP-1 · Excess Liability

Umbrella.

One extra policy that sits quietly above your home and auto and adds a million dollars — or five — of liability protection. It's the least expensive serious coverage you can own, and the one that catches what headlines are made of.

What the policy carries

Excess liability, $1M–$5M

Additional protection above the limits of your underlying home and auto policies, in one-million-dollar increments.

Sits over everything

One policy extends over your home, autos, rental properties, boats, and recreational vehicles at once.

Broader coverage

Umbrellas often cover claims the underlying policies don't — libel, slander, and liability that follows you worldwide.

Defense costs

Legal defense on covered claims, typically outside the limit — the lawyers don't erode the protection.

Who needs one

Landlords, homeowners with pools or dogs, parents of teen drivers, and anyone whose net worth or future income exceeds their auto liability limit. Which is nearly everyone.