The David Jacobs Agency
Illustrative photograph of a suburban home and car

Personal Lines

Protecting the places, possessions, and everyday moments that matter to you.

Discuss your coverage (516) 295-3600

Independent advice · Merrick, NY

Coverage that fits your life.

Your home, vehicles, and personal belongings each have different insurance needs. A move, renovation, new driver, or valuable purchase can change those needs—and a policy that worked a few years ago may need another look.

From our Merrick office, The David Jacobs Agency helps Long Island households compare insurance options across a variety of companies. We review your circumstances, explain coverage choices, and help you consider limits and deductibles together rather than looking at price alone.

Home & belongings

Start with your property, what is inside it, and the risks that may need separate coverage.

Homeowner's

Homeowners insurance typically combines protection for your dwelling and belongings with personal liability coverage. It may also help with additional living expenses after a covered loss makes your home uninhabitable. The right policy depends on your home's construction, replacement cost, and how you use the property.

What to review

  • Rebuilding cost rather than the home's sale price
  • Deductibles, including any wind or hurricane deductible
  • Renovations, home-based work, and special property features
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Flood

Flood damage is generally excluded from standard homeowners insurance. A separate flood policy can provide protection for eligible building and contents losses, subject to its limits and exclusions. Flooding can occur outside designated high-risk zones, so a flood discussion should not depend only on a lender's requirement.

What to review

  • Building and contents coverage as separate choices
  • Waiting periods and the policy's effective date
  • Basement limitations and your property's flood exposure
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Valuable Articles

Jewelry, fine art, collectibles, and other valuable possessions may have limited protection under a standard homeowners policy. Valuable articles coverage can help address those limits by scheduling specific items or providing a separate form of coverage, depending on the insurer.

What to review

  • Appraisals, receipts, and current item values
  • Coverage away from home and applicable exclusions
  • Whether individual scheduling or broader coverage is appropriate
Discuss this coverage

On the road & water

Review protection for the vehicles and watercraft you own and how you use them.

Automobile

Auto insurance can address liability for injuries or damage you cause, along with optional protection for your own vehicle. New York policies also involve state-required coverages. We can help you review your drivers, vehicles, usage, and available options together.

What to review

  • Liability limits and uninsured or underinsured motorist protection
  • Collision and comprehensive deductibles
  • Household drivers, commuting, and business use
Discuss this coverage

Motorcycle

Motorcycle insurance addresses risks specific to riding and owning a bike. Options may include liability, collision, comprehensive, and coverage for certain accessories. Your motorcycle, riding habits, and modifications all help shape the conversation.

What to review

  • Type of motorcycle and custom equipment
  • Passenger and liability protection
  • Storage arrangements and seasonal use
Discuss this coverage

Personal Watercraft

Personal watercraft insurance is designed for craft such as jet skis and similar recreational water vehicles. Depending on the policy, options may address damage to the craft and liability arising from its use. Where you operate, who rides, and how the craft is stored matter.

What to review

  • Operating area and permitted users
  • Physical damage and liability options
  • Trailer, towing, and storage exposures
Discuss this coverage

Personal liability

Consider the financial impact of a liability claim beyond your primary policies.

Umbrella

A personal umbrella policy can provide an additional layer of liability protection above qualifying home, auto, or other underlying policies. It is not a substitute for those policies, and its own terms and exclusions still apply. It is worth discussing when you want to review protection for your income and assets.

What to review

  • Required limits on underlying policies
  • Properties, vehicles, and household exposures
  • Covered claims and exclusions in the umbrella policy
Discuss this coverage

Before we talk.

A few details can help us make your coverage review more useful.

  • Current home and auto policy declarations
  • Property details, household drivers, and vehicles
  • Recent renovations or changes in your household
  • Items or liability concerns you want us to review

Please do not send medical records, Social Security numbers, or other sensitive personal information through the website or ordinary email.

Common questions

A little more clarity.

This information is a general guide, not a description of any specific policy or a guarantee of coverage. Availability, eligibility, limits, exclusions, and benefits vary by insurer and policy. Your policy documents govern coverage. Contact the agency for advice about your circumstances; coverage cannot be bound or changed through this website or email.

Explore other insurance

Commercial Lines

Coverage for your property, operations, employees, and business liabilities.

Life & Health

Options for family protection, income replacement, care needs, and retirement planning.

Group Benefits

Employee health, dental, vision, life, and disability benefit options.

Local guidance since 1937

Let's talk about your coverage.

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