Personal Insurance Services

Protecting What Matters Most

Your Home, Your Family, Your Lifestyle

At D.C. Ranieri Insurance Agency, peace of mind isn’t just part of our promise — it’s part of our DNA. Trusted since 1939, we’ve been protecting families and individuals across Westchester County, Yonkers, and the Tri-State area for over four generations, helping them secure their homes, vehicles, and assets with confidence.


As a family-owned, independent agency, D.C. Ranieri has been committed to providing personalized insurance solutions — never cookie-cutter coverage — for more than 85 years. Because we partner with top-rated national and regional carriers, we can compare policies and pricing on your behalf, ensuring you receive the right coverage for your exact needs, not just the lowest premium.


Whether you’re safeguarding a high-value home in Scarsdale, a family SUV in Yonkers, or your art collection in Manhattan, our team will design a plan that protects every part of your life — with the same care and reliability we’ve built our reputation on since 1939.

our team is ready to help with all your personal insurance needs

Home Insurance

Your home is more than a structure — it’s where memories are made, milestones are celebrated, and your future is built. Whether you own a luxury residence in Westchester, a townhouse in Yonkers, or a secondary property in the Tri-State area, your home deserves protection that’s as unique as you are.

  • Comprehensive Property Coverage for damage caused by fire, theft, storms, and other unforeseen events.
  • High-Value Home Coverage designed for estates, custom homes, and luxury dwellings.
  • Personal Liability Protection against accidents or injuries that occur on your property.
  • Replacement Cost Options that ensure you can rebuild your home as it was — not at depreciated value.
  • Additional Living Expenses Coverage if you’re displaced during repairs.

Auto Insurance

Whether you commute into Manhattan, drive the kids to school in Westchester, or take weekend trips upstate, your vehicle is a vital part of your lifestyle. But every driver’s needs are different — that’s why our policies are built around how, when, and where you drive.

  • Liability and Collision Protection for accidents and vehicle damage.
  • Comprehensive Coverage for theft, fire, vandalism, and natural disasters.
  • Uninsured/Underinsured Motorist Coverage that keeps you protected when others aren’t.
  • Medical Payments Coverage for injuries to you or your passengers.
  • Roadside Assistance and Towing Options for complete support anywhere you travel.
  • Collector and Luxury Auto Policies tailored to high-value and performance vehicles.

Umbrella Insurance

In a world of rising litigation and liability exposure, even the most cautious individuals can face lawsuits that exceed standard policy limits. For more than 85 years, D.C. Ranieri has helped clients protect their assets and secure their futures through well-structured umbrella policies.

  • Excess liability beyond your primary policies
  • Personal injury and libel/slander protection
  • Worldwide coverage for travel-related incidents
  • Defense costs for covered claims

Secondary & Seasonal Home Insurance

A second home deserves first-class protection. Whether you own a beach house on Long Island, a lakeside cottage in the Hudson Valley, or a ski retreat in Vermont, D.C. Ranieri — trusted since 1939 — provides specialized coverage for properties that aren’t occupied year-round.

  • Property and liability protection tailored to part-time occupancy
  • Coverage for rental or Airbnb use
  • Storm and flood coverage options
  • Scheduled personal property for valuables kept on-site

Jewelry & Fine Arts Insurance

Your most treasured possessions deserve the highest level of protection. Standard homeowners insurance often has limits on high-value items, which means your jewelry, fine art, or collectibles may not be fully covered in the event of loss, theft, or damage.

  • Coverage for engagement rings, watches, and family heirlooms
  • Protection for fine art, antiques, and collectibles
  • “All-risk” coverage worldwide — even outside your home
  • Agreed-value settlement to ensure fair reimbursement
  • Coverage for mysterious disappearance (when an item simply goes missing)

Boat & Watercraft Insurance

Life on the water should be worry-free. Whether you’re cruising the Hudson, fishing in Long Island Sound, or storing your boat for the season, D.C. Ranieri, trusted since 1939, offers specialized marine insurance for all types of vessels.

  • Physical damage protection for hull, motor, and equipment
  • Liability for bodily injury or property damage
  • Medical payments for passengers and guests
  • On-water towing and emergency assistance
  • Coverage for personal effects, fishing gear, and trailers

Additional Personal Insurance Solutions

Beyond your home, auto, and valuables, D.C. Ranieri Insurance Agency — trusted since 1939 — offers several key coverages to complete your personal protection portfolio.

Flood Insurance

Even if your home isn’t in a high-risk zone, floods can happen anywhere — and standard homeowners insurance doesn’t cover them. Our flood insurance programs, backed by the National Flood Insurance Program (NFIP) and private carriers, protect your home’s structure and contents from water damage caused by natural flooding events.

Renter's Insurance

If you rent a home or apartment, your landlord’s policy doesn’t cover your belongings. Renter’s insurance safeguards your personal property from fire, theft, or water damage while also providing liability protection in case of accidents. It’s affordable, easy to set up, and essential for peace of mind — something we’ve been providing to local renters since 1939.

Motorcycle Insurance

Your motorcycle represents freedom — but it also requires the right protection. We provide coverage for your bike, accessories, passengers, and liability, ensuring you’re fully protected on every ride — a tradition of trust we’ve carried forward for more than 85 years.

Pet Insurance

Pet insurance gives you priceless peace of mind—protecting your wallet from costly vet bills while ensuring your furry friend always gets the best care. It’s a smart, affordable way to safeguard both your pet’s health and your budget.