Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Riverhead, NY
Since 1939, Lupton & Luce has served the Long Island community as a trusted provider of personalized insurance solutions. As a full-service agency, we specialize in tailoring comprehensive coverage for individuals, families, and businesses across auto, home, life, and commercial insurance sectors. Our team operates as an independent agent, prioritizing client needs by offering competitive options from a diverse network of carriers. Recently integrated with Patriot Growth Insurance Services, LLC, we maintain our commitment to local service while enhancing our resources to better meet evolving client demands. With decades of collective experience, our professionals deliver expert guidance on risk management, policy customization, and claims support. Our dedication to transparency ensures clients receive clear explanations of coverage options without hidden fees or obligations.We pride ourselves on building long-term relationships through reliable service and community engagement, including partnerships with local organizations and educational initiatives on insurance preparedness. Our physical office in Riverhead, NY, remains a hub for face-to-face consultations, complemented by digital tools for policy management and emergency assistance. Recognizing the unique needs of each client, we emphasize proactive communication to address potential coverage gaps before they become liabilities. This approach has sustained our reputation as a dependable insurance partner for generations of Long Island residents.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Life Insurance
Flood Insurance
Renters Insurance
Motorcycle Insurance
Commercial Auto
General Liability
Workers Compensation
Details
- Year established: 1939
Highlights and features
- We have provided insurance expertise in Long Island since 1939.
- Our independent agent status offers access to multiple carrier options.
- We maintain local office presence with personalized service.
- Our team partners with Patriot Growth Insurance Services for enhanced resources.
- We emphasize transparent policy explanations without hidden obligations.
Services
Auto Insurance
We provide customized auto insurance policies protecting drivers across Long Island. Our coverage options include liability, collision, and comprehensive protection tailored to individual driving records and vehicle values. As an independent agency, we secure competitive rates from multiple carriers while maintaining personalized service for policyholders.
Homeowners Insurance
Our homeowners insurance solutions safeguard residences against common risks including fire, theft, and weather damage. Policies include dwelling coverage, personal property protection, and liability components. We specialize in assessing individual property needs to ensure adequate coverage limits while offering flood insurance as a separate policy for coastal properties.
Business Insurance
We offer comprehensive business insurance packages for Long Island companies, including general liability, workers compensation, and cyber liability coverage. Our commercial auto policies protect business vehicles, while builder's risk insurance addresses construction projects. As a Patriot Growth partner, we access specialized industry-specific policies for diverse business operations.
Life Insurance
Our life insurance products provide financial protection for families and business partners through term and permanent policy options. We assist clients in determining appropriate coverage amounts based on income replacement needs, outstanding debts, and future planning requirements while offering policy review services for existing coverage.
Flood Insurance
We specialize in flood insurance policies through the National Flood Insurance Program for properties in high-risk coastal areas. Our experts assess individual flood zone classifications to determine mandatory coverage requirements and policy limits. This specialized protection complements standard homeowners policies by covering water damage from storm surges and rising water events.
Questions
How do I get an insurance quote?
Request a free quote through our website or contact our Riverhead office directly. We'll assess your specific needs and provide customized options within one business day.
What insurance types do you offer?
We provide auto, home, life, and business insurance including specialized policies for flood, commercial auto, and workers compensation across Long Island.
Are you affiliated with specific insurance carriers?
As independent agents, we represent multiple carriers to offer competitive options while maintaining local service quality and personalized policy recommendations.
How can I make a claim?
File claims 24/7 through our website or contact our office during business hours. Our team guides policyholders through the entire claims process from submission to resolution.
Do you serve areas outside Riverhead?
We primarily serve Long Island communities from our Riverhead office, providing coverage in Nassau, Suffolk, and Queens counties with specialized coastal risk policies.
What payment methods do you accept?
Payment options include electronic funds transfer, credit card, and check. Contact our office for specific payment plan availability and billing cycle details.
