Hometown Insurance Agency

What Hometown Insurance Agency does

Hometown Insurance Agency is a family-owned independent insurance agency headquartered in Bohemia, New York, founded in 1979 by the Weber family and currently led by Rebecca Weber, CPCU as President & CEO. The agency operates as a multi-line insurance broker, representing 13+ insurance carriers including The Hartford, Travelers, Progressive, Chubb, Liberty Mutual, National General, NBIC, Kingstone, PRA, Safeco, Andover, and Merchants. Its product portfolio spans four core lines: Personal Insurance (homeowners, auto, umbrella, flood, valuable items, boat), Business Insurance (general liability, E&O, cyber, D&O, commercial property, workers' comp, commercial auto), Firefighter & EMS Services (Fire District packages, VFBL, group benefits, LOSAP administration), and Life & Health Insurance. The agency is licensed to serve clients in 46 states while concentrating execution on Long Island and New York State.

The firm has no proprietary technology platform; it operates on standard carrier and industry systems for quoting and policy management, supplemented by a website with segmented online quote-request forms, an educational blog, and a monthly email newsletter. A CTO role is identified but no AI/ML, proprietary models, APIs, or data assets are disclosed. Distribution is exclusively direct and inside-sales: walk-in consultations at the Bohemia headquarters, phone/email service, and self-serve web forms, supported by referral-driven local community marketing.

The revenue model is commission-based and recurring: standard insurance agency commissions on new and renewal premiums across multiple carriers, supplemented by LOSAP administrative fees for volunteer firefighter service award programs. The customer base is a long-tail of individuals, families, SMBs, and Fire/EMS districts with no disclosed enterprise anchor accounts, yielding a diversified, annually-renewing revenue stream across personal, commercial, life/health, and specialty lines.

Name

Hometown Insurance Agency

Legal name

Hometown Insurance Agency of Long Island, Inc.

Website

https://hometowninsurance.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

11–50 employees

Short description

Hometown Insurance Agency is a family-owned independent insurance brokerage in Bohemia, NY, founded in 1979, serving individuals, families, small businesses, and Fire/EMS districts across 46 states via 13+ carrier partnerships and a specialized LOSAP administration service.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance solutions
• Firefighter EMS insurance
• LOSAP administration services

Headquarters

HQ city

Bohemia

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, Hometown Insurance Agency generates revenue primarily through commissions paid by insurance carriers. Commissions are earned on new policies sold and on renewal premiums. The agency represents multiple insurance carriers including The Hartford, Travelers, Progressive, Chubb, Liberty Mutual, National General, NBIC, Kingstone, PRA, Safeco, Andover, and Merchants. Revenue is recurring in nature as insurance policies require annual renewal.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Hometown Insurance Agency is a family-owned independent insurance brokerage that sells personal, commercial, life/health, and specialty insurance products on behalf of multiple insurance carriers including The Hartford, Travelers, Progressive, Chubb, and Liberty Mutual. The agency also offers specialized LOSAP (Length of Service Award Program) administration services for volunteer firefighter and EMS districts in New York State, in addition to claims advocacy and annual policy reviews for clients.

Product overview

Hometown Insurance Agency is a family-owned independent insurance agency offering a comprehensive portfolio of insurance products organized into four core categories: Personal Insurance (homeowners, auto, umbrella, flood, valuable items, boat), Business Insurance (liability, property, workers' comp, commercial auto), Firefighter & EMS Services (specialized programs for first responders including fire district packages, VFBL, group benefits, and LOSAP administration), and Life & Health Insurance (life, health, voluntary benefits, long-term care, disability). The agency acts as an independent broker representing multiple insurance carriers to provide customized coverage solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Coverage for individuals and families including homeowners, renters, auto, motorcycle, umbrella/excess liability, flood and earthquake coverage, valuable items and collections, and boat and watercraft insurance.
• Business Insurance Commercial coverage including general liability, professional liability (E&O), cyber liability, directors and officers (D&O), commercial property, business interruption, equipment breakdown, commercial auto, and workers' compensation coverage.
• Firefighter & EMS Services Specialized insurance programs for first responders and Fire Districts including fire district package (property and liability), VFBL and workers' compensation, group accident and sickness, group term life insurance, first responder auto and home discounts, and individual life and health insurance.
• Life & Health Insurance Health and life coverage including whole life and term life insurance, individual and group health coverage, voluntary benefits (dental and vision, LTD), long-term care coverage, and disability insurance.
• LOSAP Administration Length of Service Award Program consulting and administration services for volunteer firefighters, featuring competitive administration fees in New York State.

Quantifiable outcome

• Customers saved $2,204 annually by switching from Allstate to Travelers through Hometown Insurance
• +2 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and supporting.

• The HartfordcoreOthersInsurance carrier partner providing commercial and personal insurance products. The Hartford is one of the major national carriers represented by Hometown Insurance Agency.
• TravelerscoreOthersInsurance carrier partner. A customer testimonial specifically mentions saving $2,204 by switching from Allstate to Travelers with Hometown Insurance.
• ProgressivecoreOthersInsurance carrier partner providing auto and personal insurance products through the independent agency channel.
• ChubbcoreOthersInsurance carrier partner, known for high-value personal and commercial insurance products including valuable items coverage.
• Liberty MutualcoreOthersInsurance carrier partner offering personal and commercial insurance products through independent agents.
• National GeneralsupportingOthersInsurance carrier partner specializing in personal lines and specialty insurance products.
• National General PremiersupportingOthersPremium tier of National General offerings available through the agency.
• NBICsupportingOthersInsurance carrier partner, part of the carrier network available to agency customers.
• KingstonesupportingOthersInsurance carrier partner, particularly serving the New York State market.
• PRA (Progressive Select)supportingOthersInsurance carrier partner offering auto and specialty insurance products.
• SafecosupportingOthersInsurance carrier partner, part of Liberty Mutual, offering personal insurance products through independent agents.
• AndoversupportingOthersInsurance carrier partner in the agency's network.
• MerchantssupportingOthersInsurance carrier partner. Merchants provides blog content for the agency's Insurance Insights section, demonstrating a content/marketing partnership.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Emerging players

• The Hilb Group: Mid-market insurance brokerage built through acquisitions of regional independents across the Eastern U.S. Comparable as a roll-up acquirer in the same geography and product categories as Hometown Insurance Agency.
• Risk Strategies Company: National specialty insurance brokerage that has expanded through acquisitions of regional independents. Comparable as a growing consolidator that competes for the same middle-market commercial accounts Hometown serves.
• Foundation Risk Partners: Fast-growing insurance brokerage formed through roll-ups of Northeast independent agencies, offering commercial, personal, and specialty lines. Comparable as a competing consolidator of independent agencies in the same Northeast regional footprint as Hometown.

Broad incumbents

• Hub International: Large North American insurance brokerage serving personal, commercial, and specialty lines through a network of offices. Comparable as a multi-line independent brokerage model; relevant as both a competitive threat in the commercial segment and a potential acquirer of regional agencies.
• Acrisure: One of the fastest-growing insurance brokerage consolidators, having acquired hundreds of independent agencies. Hometown Insurance Agency represents the type of multi-line independent agency that Acrisure typically targets for acquisition, making it a direct strategic comparable and potential acquirer.
• Brown & Brown, Inc. One of the largest independent insurance brokerages in the U.S., offering personal, commercial, and specialty lines through a multi-carrier model. Directly comparable as a multi-carrier independent agency, though far larger and publicly traded; serves as a scaled benchmark for Hometown's business model.
• World Insurance Associates: Mid-sized insurance brokerage that has grown rapidly through acquisitions of independent agencies in the Northeast. Particularly comparable to Hometown given the geographic overlap in the New York market and similar multi-line independent agency model.

Direct peers

• Cross Insurance: Regional independent insurance agency in the Northeast offering personal, commercial, and employee benefits through a multi-carrier model. Comparable as a family-influenced multi-line independent agency serving a similar customer base.
• Starkweather & Shepley Insurance Brokerage: Family-owned independent insurance brokerage in the Northeast offering personal, commercial, and specialty lines with a multi-carrier model. Closest direct comparable to Hometown in terms of size, family ownership, multi-line product mix, and regional focus.

Others

• Allstate Insurance Company: Major national insurance carrier that both competes directly with Hometown's personal lines offerings and serves as a competitor/alternative that Hometown's customers have switched away from (documented $2,204 savings switch from Allstate to Travelers).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hometown Insurance Agency