Personal Insurance
Coverage designed to protect your home, vehicles, valuables, and everything that matters most. We tailor policies to fit your life and your budget.
Commercial Insurance
Solutions built for small businesses, contractors, startups, and established companies. Get protection that keeps your business moving forward with confidence.
One on One
You get real guidance from real people. Our agents walk you through every option, answer every question, and make sure you’re never navigating insurance alone.
Network of Solutions
With access to 20+ top carriers, we compare pricing and coverage to find the best fit for your needs. More choices means better protection and better value.
Why Families Trust HML
Family Owned
For nearly four decades, HML has stayed true to our roots as a family-run agency. We treat every client like a neighbor, not a number.
Personalized Guidance
You get real conversations, real explanations, and real support. We walk you through your options so you always feel confident in your coverage.
Our services
Coverage We Provide for Your Home and Business
Homeowners Insurance
Protect your home and everything inside it. Coverage for fire, theft, storms, and unexpected losses with carriers you can rely on.
General Liability
Protects your business from third-party claims involving injuries, property damage, or legal disputes. A key foundation for any operation.
Rental Property (Landlord) Insurance
Coverage for rental homes, condos, and multi-unit properties. Protects your investment from damage, liability claims, and income loss.
Business Owners Policies (BOP)
A cost-effective package combining general liability and property insurance. Ideal for small to midsize businesses looking for complete protection.
Automobile Insurance
Coverage for your vehicle, your liability, and your peace of mind. Access competitive rates and flexible options tailored to New York drivers.
Commercial Umbrellas
Extra liability protection that extends beyond your standard policies. Helps shield your business from large or unexpected claims.
We offer a wide range of personal and commercial insurance solutions.Not seeing what you need? Contact one of our agents for a personalized quote.
Testimonials
See what our customers say
Real feedback from the families and businesses who trust us with their coverage.
HML made switching my home and auto policies simple. They explained everything clearly, found better pricing, and handled the entire process for me. I felt taken care of from the first phone call.
Sarah Levine
Rye Brook Resident
I’ve worked with several agencies over the years, but none have been as responsive or as honest as HML. Their team always gives straightforward answers and truly looks out for your best interests.
David Romano
Small Business Owner
Brian helped me secure coverage for my rental property and made sure every detail was right. The level of service here is on another level. I recommend them to anyone who wants real personal attention.
Maria Santos
Westchester County
FAQ
Frequently asked questions
What services do you offer?
We provide a full range of personal and commercial insurance options. This includes homeowners, auto, renters, umbrella, valuable items, commercial property, general liability, workers comp, business owners policies, cyber liability, and more. If it needs coverage, we’ll help you find the right fit.
How do I know which type of insurance I need?
Our team walks you through your options step by step. We review your goals, your risks, and any requirements you might have. Then we match you with the right carrier and policy so you’re fully protected without paying for things you don’t need.
Do you work with multiple insurance carriers?
Yes. We partner with 20+ top-rated carriers. That lets us compare pricing and coverage on your behalf and find the policy that offers the best value for your situation. You’re never locked into a single provider.
How fast can I get a quote?
Most personal insurance quotes can be completed the same day. Commercial policies vary based on complexity, but we move quickly and keep you updated throughout the process.
Latest Blogs
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Do I Need Flood Insurance in Westchester County, NY?
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Homeowners Insurance in Westchester County, NY: What It Covers and What Drives the Cost
What homeowners insurance covers in Westchester County, NY, what it leaves out (flood, sewer backup), and…
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Why Working With an Independent Insurance Agency Still Matters
Choosing insurance today can feel overwhelming. You’re hit with ads, apps, comparison sites, and big carriers…
Request a Quote
Tell us what you need covered and an agent will call you to talk through your options. Prefer to call us? Reach us at 914-939-8895.
Coverage That Supports You Every Step of the Way
From personal coverage to complex commercial needs, we help you find the right policy with confidence.