Personal & Family Insurance
At Refine Risk, we help individuals and families worry less about their insurance protection, so they can spend time on the things most important to them. With our wide selection of products and carriers, we're the only agency you need for all of your personal insurance needs.
Homeowners Insurance
Because protecting one of your most valuable assets is serious business.
Umbrella Insurance
Maximum coverage for your home and auto policies for pennies on the dollar.
Condo & Renters Insurance
Live in a condo or rent? Our agency can help insure your condo and/or belongings.
Automobile Insurance
We'll proactively shop the market to find the best combination of coverage and price.
Life Insurance
Protect those who rely on you the most so they can maintain their lifestyle should you pass on.
Boat, Motorcyle, RV, & ATV
When you need robust insurance for your toys, we'll ensure you can keep having uninterrupted fun.
For Families
Protection that keeps pace with your family’s changing needs.
For Individuals
Personal insurance that’s thoughtful, and built around your life.
Private Clients
Tailored protection for high-net-worth families, business owners, and real estate investors.
Have Questions? We’re Here to Help.
We know insurance can be complex. That’s why we’ve answered some of the most common questions our clients ask us about personal insurance in NYC, Westchester, and Fairfield. If you don’t see your question here, just reach out. We’re always ready to help you get the answers you need.
What types of personal insurance do you offer?
We design insurance programs that include home insurance, car insurance, jewelry and collectibles, liability, umbrella coverage, and more. Each insurance plan is built to align with your lifestyle and goals.
How do I know what insurance coverage I really need?
Every lifestyle carries different risks. At Refine Risk, we start with a conversation. By understanding your needs and reviewing your current coverage, our licensed agents can design a protection system that fits your life and recommend the appropriate coverage.
Can you help with umbrella coverage?
Yes. Umbrella insurance adds an extra layer of liability protection that sits above your primary policies. It helps protect your assets in case of major claims or lawsuits.
Do you offer insurance for high-value homes and belongings?
Yes. At Refine Risk, we have specialized solutions for custom homes, fine art, jewelry, and collectibles. We tailor coverage to match the value and uniqueness of your assets. Reach out to our Private Client group to learn more.
How often should I review my personal insurance?
We recommend reviewing your insurance coverage annually or any time your life changes. A new home, a renovation, a new driver in the family, or a significant purchase are all good reasons to update your insurance policies.
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!"
Personal Client