Business Details
50+ Years
experience
Your Trusted Insurance Partner in Sayville, NY
Founded in 1935, Percy Hoek has grown from a one-person office to a team of ten licensed producers and four administrative staff, serving the insurance needs of thousands of families and businesses across Suffolk and Nassau Counties. Our agency specializes in providing tailored personal and commercial insurance solutions, with particular expertise in coastal property coverage for areas like Fire Island, Long Island, and waterfront regions where standard insurance options may be limited.We prioritize direct, human interaction over automated systems, ensuring clients receive personalized service during regular business hours. Our reputation is built on decades of client satisfaction, with new customers often referred by existing clients who value our local knowledge and commitment to understanding unique insurance challenges. As a community-rooted agency, we focus on delivering reliable, customized protection rather than relying on mass advertising campaigns.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Life Insurance
Coastal Insurance
Details
- Year established: 1935
Highlights and features
- We offer 85+ years of local insurance expertise in Suffolk and Nassau Counties
- Our team provides personalized coastal property insurance solutions
- We maintain direct client communication with no automated phone systems
- We specialize in hard-to-place insurance for waterfront and barrier island properties
- Our reputation is built on client referrals and long-term relationships
Services
Coastal Insurance
We specialize in providing insurance solutions for coastal properties in high-risk areas. Our expertise covers barrier islands, bays, and oceanfront locations where standard coverage may be difficult to obtain. With decades of experience navigating unique coastal insurance challenges, we help property owners secure appropriate protection tailored to their specific risk profiles and local regulations.
Homeowners Insurance
Our homeowners insurance offers comprehensive coverage for primary residences and vacation homes. We customize policies to address regional risks while ensuring compliance with local building codes. Our team works closely with clients to understand their specific needs, offering flexible options that protect against common threats like fire, theft, and weather-related damage in both urban and coastal environments.
Commercial Insurance
We provide tailored commercial insurance solutions for businesses operating in diverse industries across Long Island. Our policies address liability protection, property damage, and operational risks while accommodating specialized needs of coastal businesses. With deep local market knowledge, we help companies secure appropriate coverage levels that balance protection requirements with cost-effectiveness for both standard and high-risk commercial operations.
Auto Insurance
Our auto insurance policies offer comprehensive protection for personal and commercial vehicles throughout Suffolk and Nassau Counties. We provide customizable coverage options that address liability requirements, collision protection, and additional safeguards for drivers in varying risk categories. Our local expertise ensures appropriate policy structuring for both standard and specialty vehicle needs across different driving environments.
Life Insurance
We offer life insurance solutions designed to provide financial protection for families and businesses. Our policies include term and permanent coverage options tailored to individual circumstances and long-term planning goals. With personalized guidance, we help clients establish appropriate coverage amounts that address future needs while considering current financial obligations and estate planning considerations.
People
Percy Hoek
Founder
Percy Hoek established the agency in 1935, growing it from a one-person office to a respected local insurance provider. His vision emphasized personalized service and deep community understanding, creating a foundation for the agency's enduring commitment to client relationships and specialized insurance solutions.
Questions
What insurance types do you specialize in?
We specialize in auto, homeowners, commercial, and life insurance with particular expertise in coastal property coverage for challenging locations like Fire Island and Long Island waterfront areas.
Do you handle difficult-to-place insurance cases?
Yes, we specialize in hard-to-place insurance for coastal properties where standard coverage may be unavailable, leveraging our local expertise to find solutions for unique insurance challenges.
What areas do you serve?
We primarily serve Suffolk and Nassau Counties, focusing on both urban and coastal communities across Long Island including barrier islands and waterfront regions.
How does your service differ from large insurers?
Unlike large companies, we provide personalized service with direct human interaction, tailoring solutions to local needs rather than relying on automated systems or mass advertising campaigns.
What's your approach to policy customization?
We create tailored insurance solutions by understanding each client's specific risks and requirements, particularly for coastal properties where standard policies often fall short of providing adequate protection.
How long have you been in business?
We've served the community since 1935, maintaining our founding commitment to personalized service while adapting to changing insurance needs across three generations.
