Coastal Protection with Local Expertise

Your home in Center Moriches is more than a place to live—it’s part of the East End lifestyle, close to the water, shaped by the seasons, and built with care. Whether it’s your year-round residence or a cherished second home, your property deserves insurance that understands the unique risks of living on Long Island’s South Shore.

Smart Coverage for a Sophisticated Market

At VRP Insurance Agency, we specialize in homeowners insurance tailored to coastal properties in Center Moriches. From custom waterfront homes to traditional colonials on quiet streets, we offer policies designed to protect what matters most—with options that reflect your home’s value and your family’s needs.

Why Homeowners in Center Moriches Choose VRP:

Customized Policies: Coverage built around your home’s structure, contents, and location-specific risks.
Storm & Flood Protection: Guidance on supplemental coverage for hurricanes, wind damage, and FEMA flood zones.
High-Value Home Expertise: Specialized support for properties with unique features, fine finishes, or above-average replacement costs.
Responsive, Local Service: Claims handled with care by agents who know the area—and your needs.

Our Homeowners Coverage Options Include:

Dwelling protection for full rebuild costs
Personal property replacement
Liability and medical payments
Loss of use/additional living expenses
Scheduled valuables (jewelry, art, antiques)
Optional flood, windstorm, and umbrella coverage

Frequently Asked Questions

Is flood insurance included in a standard homeowners policy?
No. Flood insurance is typically separate but essential for many Center Moriches properties. We’ll help you assess the risk and find the right policy.

Can I get a policy for a secondary or seasonal home?
Absolutely. We offer coverage for vacation homes and seasonal residences, with flexibility based on occupancy and usage.

What affects my homeowners insurance premium?
Home value, construction type, location, elevation, proximity to water, and your claim history all factor in. We shop multiple carriers for the best fit and rate.

Trusted by Center Moriches Homeowners
From Bay Avenue to Union Avenue, VRP is the name homeowners trust. We also serve East Moriches, Speonk, and coastal Suffolk County with the same dedicated service.