What is homeowners insurance?

​Homeowners insurance provides financial protection against disasters. A standard...

What is auto insurance? 

What is in a basic auto policy? 

Your auto policy may include six coverages. Each coverage is priced separately.


insurance to rent

Can I drive legally without insurance? 

NO! Almost every state requires you to have auto liability insurance. All states...

Leasing a car

What if I lease a car? 

If you lease a car, you still need to buy your own auto insurance policy. The auto dealer or bank that is financing the car will...

When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, you won't have to purchase additional coverage from the rental agency.

Who we work with:

For a list of our carriers, visit the Claims page.


Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. 

our carriers


Why an independent insurance broker?

One size does not fit all when it comes to insurance coverage. As an insurance broker, we have the ability to match you to the carrier that best fits your needs. While we represent a number of different companies, we work for YOU. Reading an insurance policy can be confusing and we believe that every customer should know exactly what coverage they have. Many insurance companies are misleading and promise you the cheapest rate but they don’t explain how that involves you losing a great deal of coverage. At Rick Bongiorno Insurance, we not only find you quality coverage at the best price, we also ensure that each customer understands his or her policy entirely. When it comes to protecting what you love, don’t leave it up to chance.

We offer many different types of coverage at Rick Bongiorno Insurance. Our products include: Auto (including historic and antique vehicles), Home, Life, Business, Recreation Vehicles (Boats, RVs, ATVs, Motorcycles, Snowmobiles, etc.), Umbrella, New York State Disability and Workers Compensation, Flood, General Liability, and more. 

Our expertise will put your mind at ease!

Who you buy your insurance from matters!

Many people are under the assumption that it doesn’t matter where they purchase their insurance, so long as they have it. This misconception could be costing you money, service, and protection. Buying insurance is not like buying bread; insurance is an important safety net for you, your family, and your assets. Don’t treat this purchase lightly! 

Captive agents sell you insurance from one company. This can be done with a single agent, at an agency, over the phone, or on the web. What this means is that you are getting only one option when there are many that may be better suited to your individual needs.