Lloyds Planning
Looking out for you.
🚲   Fire Island · Est. 1972   🏡
🏠 Homeowner Insurance 🌊 Flood Insurance 🏢 Commercial Insurance

Lloyds Planning LLC — trusted by Fire Island families, beach home owners, and Tri-State businesses for over 50 years. Reliable. Personable. Fast.

📞 (212) 689-0431 ✉️ insurance@lloydsplanningllc.com
★★★★★
Client Rated
🛡️   Licensed Agency
✦
🌊   Flood Specialists
✦
🚲   Fire Island Experts
✦
🤝   Looking Out For You
✦
📞   (212) 689-0431
Our Coverage

Everything Under One Roof

⚓

From your beachfront home to your car to your business — we find the right plan at the right price.

🏡

Homeowners Insurance

Your home is your sanctuary. We protect your home, belongings, and liability with coverage built for the way you live.

DwellingContentsLiabilityLoss of Use
Get a quote →
🌊

Flood Insurance

Essential for every Fire Island property. Private flood markets and FEMA's NFIP — we know coastal coverage better than anyone.

Private FloodFEMA / NFIPCoastalFire Island
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🚗

Auto Insurance

For when you leave the island. Multiple carriers, competitive rates, and coverage plans tailored to you.

LiabilityCollisionComprehensiveMulti-Car
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🏢

Commercial Insurance

Any business or operation — Fire Island shops, restaurants, rentals, or mainland companies. We place the hard-to-insure risks.

General LiabilityPropertyBOPWorkers Comp
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❤️

Life Insurance

Protect the people you love. We have new low rates on whole life, term, and index universal life that will surprise you.

Term LifeWhole LifeIULFinal Expense
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🗺️

Tri-State & Pennsylvania

From the Fire Island shores to the mountains of Pennsylvania — NY, NJ, CT & PA.

Contact Us →

🚲 No Cars. Just Bikes
& Good Neighbors.

Fire Island runs on bicycles, beach wagons, and community. Lloyds Planning LLC has been part of that community for over 50 years — protecting the homes, families, and businesses that make the island special.

Ocean Beach Fair Harbor Seaview Ocean Bay Park Cherry Grove The Pines Kismet Saltaire
Why Choose Us

50+ Years of Honest, Personal Service

Finding the right market to cover your assets is time-consuming and errors can be costly. We make it simple.

🧭
Expert Navigation
We consult you on the essentials and find the best options considering price, coverage, and carrier quality.
🌊
Coastal Specialists
Fire Island properties and beachfront homes are our specialty. We place flood coverage where others can't.
🏡
We Know the Island
We've been part of the Fire Island community for generations. Your neighbors trust us — and so can you.
💰
Multi-Carrier Access
We shop multiple top-rated carriers to get you the best combination of coverage and price.
📬 Lloyds Planning LLC
50+
Years in Business
5
Coverage Lines
4
States Covered
★★★★★
Client Rated
✓
Licensed in NY, NJ, CT & PA
✓
Fire Island flood & coastal specialist
✓
Multi-carrier access for best rates
✓
Fast quotes, even on hard-to-place risks
✓
New low rates on life insurance
✓
Real people — always personal service
How It Works

Easier Than a Bike Ride to the Beach

🚲

Four simple steps from hello to fully covered.

1

You Reach Out

Call, email, or fill out our form. Tell us about your home, car, or business.

2

We Shop the Market

We contact top carriers and find the best price, coverage, and quality for you.

3

Clear Options

No jargon, no pressure. We walk you through your choices and answer every question.

4

You're Protected

Bind your policy, get your documents, and enjoy the peace of mind you deserve.

Client Reviews

Trusted by Fire Island Neighbors

🌿

Real words from real people — neighbors who've trusted us for decades.

★ ★ ★ ★ ★
"
"The most efficient commercial broker in Fire Island. I trust them with every commercial and residential insurance need that I have."
DM
Doug Meyer
Ocean Beach, Fire Island
★ ★ ★ ★ ★
"
"Lloyds Planning LLC — protect your legacy."
EM
Eddie Micallef
Ocean Beach, Fire Island
★ ★ ★ ★ ★
"
"I would not insure my homes with anyone else."
BN
Billy Newman
Fair Harbor, Fire Island
★ ★ ★ ★ ★
"
"20+ years of exceptional service."
HJ
Howard Josepher
Seaview, Fire Island

🏖️ The Fire Island Specialists

From the boardwalk at Ocean Beach to the dunes of Fair Harbor — we know every community on the island and the unique coverage it takes to protect a barrier island home.

Ocean Beach Fair Harbor Seaview Ocean Bay Park Cherry Grove The Pines Kismet Saltaire Point O' Woods
Get a Flood & Home Quote →
✦   Free Consultation   ✦

Lloyds Planning — Looking out for you.

New Low Rates That Will
Surprise You.

We have new low rates on life insurance, auto, and home coverage. Let us shop the market for you — no obligation, no pressure.

Request a Free Quote → Call (212) 689-0431
Get in Touch

Let's Find Your Best Coverage

Reach out by phone, email, or form. We'll consult you on the essentials and find the best options available — working with you and for you to reduce the stress from the process.

Office
125 Park Ave., Suite 1605
New York, NY 10017
Hours
Mon – Fri: 9am – 5pm
Sat & Sun: Closed
Fax
212-949-0896
Request a Free Quote
No obligations. Just honest guidance from a team that's been doing this for 50+ years.