McLearBay Shore, NY · Since 1990
Local insurance for Long Island's coast.
We're an independent Bay Shore agency, insuring Long Island homes, boats, and businesses since 1990 — and we know South Shore flood risk firsthand.
Every quote starts at your elevation — never a generic rate.
Coverage
Coverage built for the coast
Home, flood, auto, boat, and business — all placed with carriers who understand coastal risk, not just quote it.
01 Homeowners
Hazard, condo/co-op, landlord & renters — matched to the home.
Learn more →02 Flood
NFIP & private flood, elevation certificates, pre/post-FIRM.
Learn more →03 Renters
Personal property and liability for tenants.
Learn more →04 Auto
Personal auto coverage from competitive carriers.
Learn more →05 Boat
Watercraft coverage for the Long Island coast.
Learn more →06 Business
Commercial lines for local businesses.
Learn more →
Elevation certificates
We check your elevation before we quote flood
A foot of elevation can swing a flood premium. We pull your elevation certificate, flood zone, and community rating before we quote — so you pay for the risk you actually have, not a rough guess.
- Elevation certificate review, included
- NFIP and private flood options compared side by side
- Community rating system discounts applied where earned
Homeowners
Your dwelling — and everything standing beside it
Detached garages, sheds, docks, and bulkheads get missed in a quick online quote. We go through every structure on your property so nothing's left out when you file a claim.
- Dwelling, other structures, and personal property scoped separately
- Docks, bulkheads & waterfront features reviewed line by line
- Replacement-cost guidance, revisited at every renewal
Why McLear
On the South Shore since 1990
We opened in Bay Shore in 1990 and have renewed the same families through storms, rate hikes, and rebuilds ever since. We're independent, so the policy we recommend is the one that fits you — not a sales quota.
Areas served
Across Nassau & Suffolk
Based in Bay Shore, licensed across New York State. See the full list →
- Bay Shore
- Babylon
- Islip
- Sayville
- Patchogue
- Amityville
- Lindenhurst
- West Islip
- Brentwood
- Deer Park
- Copiague
- Massapequa
- Freeport
- Merrick
- Bellmore
- Long Beach
- Oceanside
- Huntington
- Northport
- Oyster Bay
- Great Neck
- Rockville Centre
From ranches to waterfront colonials, we cover them all.
Get a quote
Tell us what you need covered
A licensed local agent — not a call center — looks at every request personally.
- No obligation, no pressure
- A real local agent reviews every request
- Licensed across New York State