Smart Apple Insurance Brokers

• Smart Apple has been working in the insurance field for about 18 years.
• The agency started providing services in the New York City area in 2013.
• The team has served many happy clients across NYC and New York State.

What Smart Apple does

• Independent insurance brokerage that compares quotes from multiple insurance companies.
• Helps customers find competitive and low-cost insurance plans that match their needs and budget.
• Provides three main categories of coverage:
• Property insurance
• Auto insurance
• Business insurance

Mission

• Work hard every day to help customers avoid financial loss.
• Offer some of the lowest and most affordable rates available in the New York market.
• Help individuals and businesses get the most out of their insurance while paying as little as reasonably possible.

Vision

• Enable people and businesses throughout NYC and New York State to access the best possible insurance policies.
• Keep insurance rates as low as possible so coverage stays affordable.
• Support any business or individual who is struggling to find suitable insurance coverage.

Customer focus

• Prioritises customer satisfaction, especially for people dealing with accidents, damage or other stressful events.
• Aims to help customers receive insurance payments or coverage for their losses according to the policy they chose.
• Has a track record of many satisfied clients who have been well supported through the claims process.

Smart Apple works with multiple insurance carriers to provide coverage for many kinds of vehicles, including:

• Personal car insurance
• Commercial vehicle insurance
• TLC / taxi / limo coverage
• Motorcycle insurance
• Truck insurance

Common auto coverages

Types of coverage that may be available include:

• Bodily injury liability
• Personal injury protection (PIP)
• No-fault insurance (as required under New York law)
• Property damage liability
• Full coverage options
• More limited "half coverage" options, depending on the customer's needs and risk tolerance

Personal Injury Protection (PIP)

• PIP can help pay for medical expenses related to injuries from an auto accident.
• It may also help cover lost wages when an injured person cannot work.
• In some cases, PIP can contribute towards the cost of home care or support services related to the injury.
• PIP is not included in every auto insurance policy; availability depends on the specific policy and carrier.

Service area for auto insurance

Smart Apple provides auto insurance brokerage services throughout New York City, including:

• Manhattan
• Bronx
• Brooklyn
• Queens
• Staten Island

How Smart Apple helps auto insurance customers

• Collects auto insurance quotes from multiple companies.
• Presents competitive options so customers can compare price and coverage.
• Focuses on finding low-cost policies that still provide appropriate protection.
• Supports thousands of drivers who have obtained coverage through the agency since 2013.

For details on car insurance specifically, see the document Car insurance in New York.

Office location

• Address: 170-16 Hillside Avenue, Jamaica NY 11432

Primary contact details

• Phone: (718) 523-5353
• Email: info@smartapple.us

How to get in touch

• Call during business hours for help with quotes, coverage questions or existing policies.
• Fill out the contact form on the website's Contact Us page to request assistance; messages are typically answered within 1–2 business days.
• For urgent needs (for example, after an accident), customers are encouraged to call the office.

Booking an appointment

• Customers can request an appointment using the Book an Appointment page on the website.
• The online form allows you to choose a preferred date, time slot and share details about your insurance needs.
• For immediate assistance, customers should call the office at (718) 523-5353 during business hours.

Areas served

Smart Apple Insurance Brokers serves customers across New York, including:

• New York City (NYC)
• Manhattan
• Bronx
• Brooklyn
• Queens
• Staten Island
• Wider New York State areas where coverage is available through the agency's insurance carriers.

Lists York, Mission, Brooklyn, Hillside, Jamaica, Manhattan, New York City, and Queens as a location. Names New York, Jamaica, York, and New York City as a service area. Areas beyond these are not published.

• Works with many insurers to obtain competitive car insurance quotes.
• Helps customers in New York City understand coverage options and pricing.
• Aims to keep insurance simple and affordable while still providing suitable protection.

Who car insurance is for

Smart Apple supports a wide range of drivers, including:

• Experienced drivers
• New drivers and first-time policyholders
• Younger drivers, who often face higher insurance costs

Cost considerations

• Car insurance prices in New York can be high and depend on many factors such as driving history, vehicle type and driver profile.
• New and younger drivers may face higher premiums due to higher accident risk.
• Smart Apple focuses on finding affordable options while maintaining appropriate coverage.

Why use a car insurance broker

• A broker helps you compare car insurance policies from different companies instead of researching each one on your own.
• Smart Apple reviews the coverage details and helps explain key terms and conditions.
• The team looks for policies that balance price and coverage, avoiding options that are very cheap but may not provide enough protection.

Service area for car insurance

Smart Apple provides car insurance brokerage services throughout New York City, including:

• Manhattan
• Bronx
• Brooklyn
• Staten Island
• Queens

How to get help with car insurance

• Call Smart Apple Insurance Brokers at (718) 523-5353.
• Email info@smartapple.us.
• Fill out the quote form on the website to request car insurance quotes.

Smart Apple works with carriers to provide many types of business insurance, including:

• Workers compensation insurance
• General liability insurance
• Business owners policy (BOP)
• Disability insurance
• Contractor insurance

These coverages help address common risks such as employee injuries, third-party injuries or property damage, and protection for business property, depending on the specific policy.

Store and retail insurance programs

Smart Apple offers insurance programs tailored for different types of retail and store businesses, such as:

• Store insurance (covering the business's physical structure, inventory, furniture and contents, where included)
• Deli store insurance
• Convenience store insurance
• Pharmacy or drugstore insurance
• Furniture store insurance

These programs can help protect against covered risks such as fire, theft and other losses, depending on policy terms.

Commercial vehicle coverage for businesses

In addition to general business policies, Smart Apple also helps with:

• Commercial vehicle insurance
• Coverage for vehicles used for business purposes, including trucks and other commercial autos

Who business insurance is for

Smart Apple supports:

• Small and large businesses
• Employers and employees
• Contractors and tradespeople
• Retailers and store owners

How Smart Apple supports business clients

• Takes time to understand each business's operations and risk profile.
• Works to ensure policies use the correct code classifications and avoid overpaying for coverage.
• Helps explain coverage, exclusions and changes that may affect a business insurance policy.

Property-related coverages may include:

• Homeowners insurance
• Renters insurance
• Condo insurance
• Landlord insurance
• Flood insurance
• Umbrella insurance
• Vacant building insurance

What property insurance can help with

Depending on the policy and carrier, property insurance can help customers:

• Protect their home or other property against covered damage.
• Address losses from events such as certain natural disasters or storms (for example, floods when covered by a flood policy).
• Cover losses from risks like theft or fire, where included in the policy.

Flood insurance

• Smart Apple helps customers obtain flood insurance that can protect against severe flood damage.
• Flood coverage can be relevant for damage caused by heavy rains, melting snow or severe coastal weather, where covered.

How Smart Apple supports property insurance customers

• Reviews different property insurance options from multiple carriers.
• Helps customers choose coverage that fits their property type, risk profile and budget.
• Works to secure competitive, low-cost quotes while aiming to maintain appropriate protection levels.

For specific business-related property policies such as store or deli insurance, see the document Business and commercial insurance coverage.

Ask anyway — the agent will say plainly that it is not published rather than guess.