Business Details
Your Trusted Insurance Partner in New York
Marian Farese Insurance Agency has been a trusted partner in risk management for over two decades, combining deep industry expertise with personalized service. Founded by Marian Farese, a Chartered Property Casualty Underwriter (CPCU) and Associate in Risk Management (ARM), our agency brings over 30 years of cumulative insurance experience to every client interaction. We specialize in crafting tailored insurance solutions for individuals and businesses across New York, New Jersey, Pennsylvania, and Florida, leveraging our extensive knowledge of personal and commercial coverage options. Our commitment to excellence is reflected in our affiliations with leading industry organizations and our active involvement in local community initiatives. With a foundation built on education, ethical practices, and client-centric values, we provide comprehensive protection strategies that adapt to evolving needs.Our team's unique blend of corporate experience from major carriers like The Hartford and St. Paul Insurance Company ensures informed decision-making for every policyholder. We maintain transparency in all communications, prioritizing clear explanations of coverage options and policy details. Our longevity in the industry demonstrates our ability to deliver consistent value while maintaining the highest standards of professional conduct. Through continuous education and staying current with regulatory changes, we position ourselves as reliable advisors in an ever-changing insurance landscape. This dedication to professional growth and community service has earned us recognition as a Minority and Women-Owned Business Enterprise and multiple local awards for civic contributions.
Services
Auto Insurance
Home Insurance
Flood Insurance
Life Insurance
Commercial Insurance
Highlights and features
- We offer 30+ years of combined insurance expertise with industry designations
- Our personalized approach creates tailored coverage solutions for unique needs
- Local knowledge serving NY, NJ, PA, and FL markets
- We maintain active community involvement and professional affiliations
- Our team includes certified insurance professionals with carrier experience
Associations and certifications
- CPCU
- ARM
What people say
Knowledgeable staff
Personalized service
Comprehensive coverage
Prompt assistance
Clear explanations
Services
Auto Insurance
Our auto insurance policies protect against collision damage, bodily injury, and property damage while offering customizable options. We help clients qualify for discounts through multi-car ownership, safe driving records, and military service. Our coverage includes rental reimbursement and uninsured motorist protection, with competitive pricing through nationwide carrier comparisons. Our agents provide detailed policy explanations and claims process guidance.
Home Insurance
Customizable home insurance plans cover structural damage, personal possessions, and liability claims while offering living expense coverage during disasters. We tailor policies to individual property needs with optional endorsements for high-value items. Our specialists explain coverage limits, deductible options, and policy exclusions while providing risk assessment guidance for property owners in different flood zones.
Flood Insurance
Specialized flood insurance policies protect against water damage from storm surges, heavy rainfall, and drainage issues through NFIP-certified programs. We offer standard and preferred risk policies based on property location and flood history while explaining coverage parameters for different flood zones. Our experts help determine appropriate coverage levels and policy requirements for properties in varying risk areas.
Life Insurance
We provide term and whole life insurance solutions that offer financial protection for dependents through death benefit policies. Our specialists explain policy differences, premium structures, and cash value components while helping clients determine appropriate coverage amounts based on family needs and financial obligations. We offer guidance through the underwriting process and policy selection.
Commercial Insurance
Comprehensive business insurance packages protect commercial properties, vehicles, and liability risks with customizable policies. We offer general liability, property insurance, and commercial auto coverage tailored to specific industry needs while explaining policy components like attorney fee coverage and property damage protection. Our agents help businesses assess risk exposure and select appropriate coverage limits.
People
Marian Farese
Owner
With over 30 years in insurance, Marian holds CPCU and ARM designations. She worked at The Hartford and St. Paul Insurance before founding her agency. A Hofstra University instructor, she combines teaching experience with practical knowledge to deliver client-focused solutions while maintaining active community involvement.
Questions
What auto coverages are required by New York law?
New York mandates minimum liability coverage of $25,000 per person/$50,000 per accident for bodily injury, $10,000 for property damage, and $50,000 for Personal Injury Protection.
Are there optional auto coverages available?
We recommend comprehensive/collision coverage for vehicle protection and offer additional PIP, uninsured motorist coverage, and supplemental spousal liability options based on individual needs.
How does credit history affect insurance premiums?
While considered by many insurers, credit history cannot be the sole reason for policy denial or renewal termination. We help clients understand how their credit profile impacts pricing.
What home insurance discounts are available?
Discounts apply for safety features like smoke detectors, deadbolts, and hurricane shutters. We help identify applicable savings based on property characteristics and security systems.
Is mold damage covered under homeowners policies?
Mold damage is covered when resulting from a covered event, though many policies have specific remediation limits. We review policy language to clarify coverage parameters.
What life insurance types do you offer?
We provide term life insurance for temporary coverage and whole/universal life policies for permanent protection with cash value accumulation components.
