Business Details
Your Trusted Insurance Partner in Sayville, NY
Marian Farese Insurance Agency has been a trusted provider of comprehensive insurance solutions for over two decades. Founded by Marian Farese, a seasoned professional with 30 years of industry experience, including roles at national carriers like The Hartford and St. Paul Insurance Company, our agency combines deep expertise with personalized service. Marian holds prestigious designations such as CPCU and ARM, reflecting her commitment to excellence.We specialize in tailoring personal and commercial insurance products, including auto, home, flood, life, and business coverage, while prioritizing community engagement and client education. Our affiliations with organizations like the International Association of Women underscore our dedication to integrity and client-centric service.
Services
Auto Insurance
Home Insurance
Flood Insurance
Life Insurance
Commercial General Liability
Commercial Auto Insurance
Commercial Property Insurance
Renters Insurance
Term Life Insurance
Whole Life Insurance
Highlights and features
- We offer 30+ years of combined insurance expertise and industry-specific designations.
- Our personalized approach ensures coverage tailored to individual and business needs.
- We prioritize community involvement and client education in risk management.
- Our affiliations with recognized organizations demonstrate commitment to excellence.
- We provide multi-state coverage with localized service and support.
Associations and certifications
- CPCU (Chartered Property Casualty Underwriter)
- ARM (Associate in Risk Management)
Services
Auto Insurance
Our auto insurance policies protect against collision damage, bodily injury, property damage, and uninsured motorist claims. We offer competitive rates and discounts for safe drivers, multi-vehicle owners, and military families. Our agents help clients navigate coverage options to ensure financial protection and compliance with state laws.
Home Insurance
Home insurance policies cover structural damage, personal possessions, and liability claims. We provide customizable coverage for New York homeowners, including living expense reimbursement after disasters. Our agents assess individual needs to create policies that protect against common risks like fire, theft, and vandalism.
Flood Insurance
Flood insurance safeguards properties against water damage from heavy rains, storm surges, and drainage issues. We offer standard and preferred-risk policies through the National Flood Insurance Program, ensuring protection for high- and low-risk areas in New York and beyond.
Commercial General Liability
This coverage protects businesses from liability claims related to bodily injury, property damage, and advertising injuries. Policies include defense cost coverage and can be customized for specific industry risks. We help businesses secure comprehensive protection for premises, products, and operations.
Life Insurance
We offer term and whole life insurance policies to provide financial support for beneficiaries. Term policies offer affordable coverage for specific periods, while whole life ensures lifelong protection with cash value accumulation. Our agents guide clients in selecting coverage amounts to meet family or business needs.
People
Marian Farese
Owner
Marian Farese has 30+ years of insurance experience, including roles at The Hartford and St. Paul Insurance Company. She holds CPCU and ARM designations and founded her agency after teaching insurance at Hofstra University. Her focus on education and client service drives the agency's personalized approach.
Questions
What auto insurance coverages are required by New York law?
New York mandates 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. Optional coverages like comprehensive and collision are recommended for enhanced protection.
Does homeowners insurance cover flood damage?
No, standard homeowners policies exclude flood damage. We offer separate flood insurance through the National Flood Insurance Program to protect properties against water-related losses from storms, melting snow, or drainage issues.
What types of life insurance policies do you provide?
We offer term life insurance for temporary coverage and whole life insurance for lifelong protection with cash value accumulation. Our agents help clients evaluate their needs to choose between guaranteed premiums and flexible options.
Are there discounts available for auto insurance?
Yes, we offer discounts for safe drivers, multi-policy holders, homeowners, and military families. Additional savings may apply for vehicles with safety features like airbags and anti-lock brakes, as well as for completing approved driver education courses.
What does commercial property insurance cover?
Commercial property insurance protects buildings, inventory, signage, and landscaping against risks like fire, theft, and vandalism. Policies can be customized to include coverage for business interruption, equipment breakdown, and outdoor property damage.
