Independent broker · Serving all of Queens
An insurance broker in Queens that reads the fine print.
N&H Insurance is an independent insurance agency and broker based in Richmond Hill, serving families and business owners across Queens — from Jamaica and Ozone Park to Flushing, Astoria, Jackson Heights, and Forest Hills. Independent means we work for you, not for one insurance company: we compare coverage across multiple carriers, then explain what the policy actually says before you sign it.
Coverage we broker for Queens
Home & property insurance
Houses, co-ops, condos, and two- and three-family homes — with flood and liability gaps actually checked.
Auto insurance
Personal auto with the uninsured-driver protection New York roads demand.
Business insurance
General liability, commercial property, and workers’ comp for storefronts, restaurants, salons, and contractors across Queens.
Umbrella coverage
Extra liability protection over your home and auto policies, for when a claim exceeds the limits.
Agency or broker — what’s the difference?
You’ll hear both words, and for you they mean the same promise when the shop is independent: we’re not tied to a single carrier. A captive agent can only sell you one company’s policy at that company’s price. As an independent agency & broker, we shop your coverage across carriers, compare what each policy really includes, and place you where the coverage — not just the premium — makes sense.
Common questions
Do you charge for a coverage review?
No — the review is free. Bring your current policy and we’ll show you what’s covered, what’s excluded, and where the gaps are. No pitch, just answers.
Can you help me if I already have insurance?
That’s most of our new clients. We review what you have first; if it’s good, we’ll tell you. If it isn’t, we’ll show you the exact line that worries us.
Do you only serve Richmond Hill?
Our office is in Richmond Hill, but we broker coverage across all of Queens and beyond — we’re licensed in New York, Texas, New Jersey, and Indiana.
Which insurance companies do you work with?
Multiple A-rated carriers — that’s the point of independence. We match your situation to the carrier whose policy language actually fits it.