Welcome to Your
Trusted Insurance Partner

Four Banks Insurance Agency

Welcome to our insurance family, where you're not just another policy but a valued member of our community. We're here to guide you through every step with care, ensuring your peace of mind every step of the way.

"Insurance for what's important in your life"

Explore what we offer

At Four Banks Insurance Agency, we know that life is full of unexpected moments. That's why we're here to provide the support and coverage that fit your unique needs, helping you face the future with confidence.

  • Choose your coverage

    • Homeowners insurance

    • Landlord insurance

    • Condo insurance

    • Mobile home

    • Renters insurance

    🏡 Why Property Insurance Isn’t Optional—It’s Essential

    Your home is more than just a roof over your head—it’s your sanctuary, your investment, and your legacy. But life doesn’t always play fair. Fires, floods, theft, or even a burst pipe can wipe out years of hard work in seconds.

    Property insurance protects you from the unexpected, helping you recover faster, stay financially stable, and avoid starting over from scratch. It’s not just about your structure—it’s about your peace of mind, your future, and your ability to bounce back without draining your savings.

    Whether you’re a homeowner, landlord, or tenant, the right coverage means you’re not alone when life hits hard.

    💼 Without Property Insurance:

    • You cover repairs and losses out of pocket

    • You may lose rental income or equity

    • You risk financial instability from disasters or lawsuits

    ✅ With Property Insurance:

    • You gain protection for your property and belongings

    • You have a safety net during emergencies

    • You ensure a quicker, less stressful recovery

  • Small business insurance coverage options that fit your business:

    • General liability

    • Commercial property

    • Business Owners Policy

    • Commercial auto

    • Workers' compensation

    • Business interruption

    • Employment practices liability

    • Errors & omissions (E&O)

    • Equipment breakdown

    • Data compromise

    • Home-based insurance

    💼 Why Business Insurance Is Non-Negotiable

    You built your business from the ground up—long nights, big risks, and even bigger dreams. But one lawsuit, accident, cyberattack, or natural disaster could undo it all. That’s where business insurance steps in.

    It's not just a policy—it’s protection for your profits, your people, and your peace of mind.

    🚫 Without Business Insurance:

    • A single claim could shut you down

    • One injured customer could drain your savings

    • Property damage or theft could stall operations for weeks

    • A cyber breach could ruin your reputation and cost thousands

    ✅ With Business Insurance:

    • You’re protected from lawsuits, accidents, and loss

    • Your equipment, property, and inventory are covered

    • You can survive setbacks without sacrificing everything you’ve built

    • Clients and partners see you as credible and responsible

    Real talk?

    Every smart entrepreneur protects their hustle. Business insurance doesn’t just cover what you have—it preserves what you’re building. Whether you’re a startup, freelancer, or established company, we’ll help you find the right policy so you can keep growing—no matter what comes your way.

  • Choose your coverage:

    • Auto

    • Boat

    • Motorcycle

    • ATV/UTV

    • Roadside

    • Snowmobile

    • RV

    🚗 Why Vehicle Insurance Isn’t Just Smart—It’s the Law (and Your Lifeline)

    Your vehicle moves more than just miles—it moves your life. Whether it’s your commute, your hustle, or your freedom on four wheels, on the water, or on the snow, one unexpected accident could bring it all to a screeching halt.

    That’s where vehicle insurance steps in—to protect your car, your cash, and your confidence.

    🚫 Without Vehicle Insurance:

    • One accident = thousands out of pocket for repairs, medical bills, or lawsuits

    • You risk fines, license suspension, or legal trouble

    • You’re left on your own in a hit-and-run or theft situation

    ✅ With Vehicle Insurance:

    • You’re covered for collisions, liability, theft, weather, and more

    • You get access to roadside assistance, towing, and rentals

    • You drive with peace of mind knowing you're protected—financially and legally

  • ☂️ Why Umbrella Insurance is your additional financial protection?

    You work hard, you save smart, you build wealth—but what happens when a single lawsuit threatens it all? Accidents happen. And sometimes, your basic coverage just isn’t enough.

    That’s where umbrella insurance comes in.

    It’s extra protection that kicks in after your home, auto, or business insurance maxes out. It doesn’t just cover you—it shields your savings, assets, future income, and everything you’ve worked for.

    🚫 Without Umbrella Insurance:

    • A serious car accident, injury on your property, or defamation claim could wipe out your savings

    • Your personal assets—home, investments, even wages—could be at risk in a lawsuit

    • You’re left to pay out-of-pocket once your regular insurance limits are hit

    ✅ With Umbrella Insurance:

    • You get $1 million+ in additional coverage for pennies on the dollar

    • Your assets and future income stay protected

    • You have a legal and financial safety net that follows you everywhere—home, car, business, travel

    Let’s keep it real: Lawsuits are bigger, messier, and more expensive than ever.
    And your standard coverage? It's good—but it has limits.

    Umbrella insurance fills the gap so you don’t lose it all from one bad day.

    Because when it rains, it pours. Make sure you’ve got an umbrella big enough to cover what matters.

    🌟 1. For High-Net-Worth Clients

    You’ve worked hard to build wealth. One lawsuit could erase it overnight.
    Umbrella insurance adds an extra $1–$5 million in coverage on top of your existing policies—so your savings, investments, and legacy stay protected.

    Because success should come with security.

    🏘️ 2. For Landlords & Property Owners

    Tenants slip. Guests sue. Fires spread.
    Your landlord policy may not cover the full cost of a lawsuit—and your personal assets could be at risk.
    Umbrella insurance steps in when your property coverage maxes out.

    One policy. Millions in extra protection.

    💼 3. For Small Business Owners

    Your business is exposed. So are you.
    If someone sues beyond what your general liability policy covers, your personal assets can be dragged into it.

    Umbrella insurance gives you extended coverage that follows you—whether it’s your business, vehicle, or rental property.

    Protect your grind, your goals, and your good name.

  • Coming soon

Who we are

We are a client-first, community-rooted agency committed to protecting the people and businesses that power our communities. At Four Banks, insurance isn’t just a transaction—it’s a trust. From homeowners to business owners, landlords to first-time home buyers, our clients count on us to deliver the protection they need with the personal care they deserve.

Let’s talk.
Schedule your appointment today, and discover what it feels like to have an insurance agency that actually has your back.

What People Are Saying

“When my basement flooded, I had no idea what to do. I called Four Banks and they handled everything—explained the process, helped me file the claim, and checked in regularly. I didn’t feel like just another customer. They really came through for me when I needed it most.”

Danielle R., Westchester, NY

“I run a small cleaning company and never thought much about business insurance until a client slipped and almost sued me. Four Banks reviewed my policy, found the gaps, and got me properly covered. I wish I had called them sooner. They were honest, straightforward, and made everything easy to understand.”

Carlos T., Bronx, NY

“What really stood out to me about Four Banks wasn’t just the coverage—it was the way they treated me. Every time I called or sent an email, someone got back to me quickly, and they always took the time to explain things clearly. I never felt rushed or brushed off. You can tell they actually care about people, not just selling policies. That kind of service is hard to find these days."

Latrice B., New Rochelle, NY

🎉Four Banks Insurance Agency

is proud to celebrate 25 years in business 🎉

Contact Us

Interested in working together? Fill out some info and we will be in touch shortly. Or Just give us a call 914-663-1554

We can’t wait to hear from you!