N&H Insurance Agency

N&H Insurance Agency is an independent insurance agency and broker that writes personal and commercial lines, including home, auto, business and umbrella coverage. The agency says it shops several carriers on each client's behalf rather than selling a single company's policies, and it reviews existing policies line by line before recommending changes.

A complimentary coverage review is offered with no obligation to switch, and the agency explains each policy in plain language before anything is signed. Its office is in South Richmond Hill, and it is licensed in New York, Texas, New Jersey and Indiana. The site says it serves all of Queens, with extra attention to older housing stock, two-family homes and flood zones.