Personal Property

Refine Risk is an independent insurance agency in Tuckahoe, NY, providing insurance solutions for families and business owners across New York, New Jersey, and Connecticut.

Backed by 20+ years of insurance experience, we help clients compare top insurance companies, manage risk, and make confident decisions across auto, home, and rental property insurance.

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Homes

Coverage for primary and owner occupied homes including protection for the structure, personal property, and liability.

Condos and Co-Ops

Insurance for unit owners including coverage for interior improvements, personal property, and liability.

Second Homes

Insurance for seasonal and secondary homes including coverage for the structure, contents, and liability.

Auto

Auto insurance including liability, collision, comprehensive, and optional coverages like rental car and roadside assistance.

Umbrella

Additional liability coverage that extends protection across your home, vehicles, and other personal exposures.

Rental Properties

Insurance for single and multi unit rental properties including dwelling coverage, landlord liability, and loss of rent.

How it Works

Our process is designed to help you understand your coverage and make steady, informed decisions about your insurance.

  • Discovery

    We learn about your goal, risk tolerance, and what you want to protect. 

  • Design

    We put together an insurance and risk management plan that meets your goals.

  • Implement

    We put your insurance coverage in place and walk you through what to expect next.

  • Support

    We stay available throughout the year and help keep your coverage aligned as things change.

Have Questions?

Below are a few questions we often receive about auto and home insurance coverage in New York, New Jersey, and Connecticut.

We never knew it could be this easy...

"In the past, I've always tried to shop for my own insurance. The problem was, I didn't really understand what I was looking at, and always felt like I was "getting sold" a bill of goods. Finally I decided to leave it up to a professional, and I'm so glad I did. Refine Risk has been great from the beginning. We have fantastic rates, and I finally understand my coverages! I highly recommend them!"

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Personal Client