Insurance exists for your financial stability and protection, and who advises you is just as important as who insures you.
R.J. Fregenti Associates is a New York Multi-Lines Independent Insurance Agency serving families, individuals and businesses throughout our region.
Through integrity and experience we are actively dedicated in helping people just like you find increased value and savings with insurance costs without just exposing you to the possibility of financial loss beyond your means or interests. And in today’s world… that’s really saying something.
Automobiles, Homeowners, Condominium Owners, Apartment Renters, Senior Drivers, High-Value Homes, Rental Properties, Business Owners and Commercial Properties, General & Excess Liability, Individual Health & Employee Benefits are just a few of the insurance coverages we provide.
Each are written through some of the industry’s most financially secure top-rated carriers recognized for their high standards regarding fast and fair claims service.
An Independent Advantage
We are Independent Agents in Jericho, New York, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. R.J. Fregenti Associates represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or business owner policy — you wouldn’t have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.