Naveed Alam is more than just an insurance broker — we are a family tradition of protection, service, and trust that spans four generations. Since our founding in Yonkers, NY, we’ve proudly served the personal and commercial needs of clients across Westchester County, the Tri-State region, and beyond. Today, our reach extends to over 27 states, but our core values remain rooted in the local community.
Unlike captive agencies that represent only one carrier, we are fully independent. This independence allows us to partner with a wide network of national and regional insurance providers, ensuring our clients always receive the most competitive coverage tailored to their specific needs.
Comprehensive Property Protection
Coverage for damage caused by fire, theft, storms, and other unexpected events.
High-Value Home Coverage
Specialized protection for luxury residences, custom-built homes, and estates.
Personal Liability Coverage
Financial protection if someone is injured or an accident occurs on your property.
Replacement Cost Coverage
Rebuild or repair your home at today’s costs—not depreciated value.
From daily commutes into Manhattan to school drop-offs in Westchester or weekend getaways upstate, your vehicle plays a key role in your everyday life. Because no two drivers are the same, Lolojo offers auto insurance tailored to how, where, and how often you’re on the road.
- Liability & Collision Coverage Protection against accidents, injuries, and damage to your vehicle.
- Comprehensive Coverage Safeguards against theft, fire, vandalism, weather events, and other non-collision losses.
- Uninsured & Underinsured Motorist Protection Ensures you’re covered even when the other driver isn’t.
- Medical Payments Coverage Helps cover medical expenses for you and your passengers after an accident.
Excess Liability Protection
Additional coverage that extends beyond the limits of your home, auto, and other primary policies.
Personal Injury Coverage
Protection against claims involving libel, slander, defamation, and related personal injury matters.
Worldwide Coverage
Coverage that follows you globally, including incidents that occur while traveling.
Legal Defense Costs
Coverage for defense expenses associated with covered claims, even before liability is determined.
Your second home is an investment, a retreat, and a place to create lasting memories—so it deserves the same level of protection as your primary residence. Whether it’s a beachfront escape on Long Island, a lakeside cottage in the Hudson Valley, or a ski home in Vermont, specialized coverage is essential for properties that aren’t occupied year-round.
- Customized Property & Liability Protection Coverage designed specifically for part-time or seasonal occupancy.
- Rental & Short-Term Use Coverage Protection for homes used as rentals or listed on platforms like Airbnb.
- Storm & Flood Coverage Options Additional protection against weather-related and flood risks common to seasonal properties.
Coverage for Jewelry & Heirlooms
Protection for engagement rings, watches, and cherished family pieces.
Fine Art & Collectibles Protection
Coverage for artwork, antiques, and valuable collections.
Worldwide “All-Risk” Coverage
Protection that follows your items anywhere in the world, even outside your home.
Agreed-Value Settlement
Ensures fair, predetermined reimbursement without depreciation.
Time on the water should be relaxing—not stressful. Whether you’re cruising the Hudson, fishing in Long Island Sound, or preparing your vessel for the off-season, having the right marine insurance ensures every trip is protected. Specialized coverage is essential for safeguarding your boat, your passengers, and your peace of mind.
- Physical Damage Coverage Protection for your hull, motor, and onboard equipment.
- Liability Coverage Coverage for bodily injury or property damage resulting from a covered accident.
- Medical Payments Coverage Helps cover medical expenses for passengers and guests.
- On-Water Towing & Emergency Assistance Support when you need it most—on shore or offshore.
Comprehensive protection goes beyond your home, vehicle, and valuables. To ensure every aspect of your life is covered, we offer a range of additional personal insurance solutions designed to close coverage gaps and provide complete peace of mind.
Flood Insurance
Flooding can occur anywhere—regardless of flood zone—and standard homeowners insurance does not cover flood-related damage. Our flood insurance solutions, backed by the National Flood Insurance Program (NFIP) and select private carriers, protect both your home’s structure and contents from damage caused by natural flooding events.
Renter’s Insurance
If you rent a home or apartment, your landlord’s insurance policy does not cover your personal belongings. Renter’s insurance protects your possessions against fire, theft, and certain types of water damage, while also providing personal liability coverage for accidents. It’s an affordable, easy-to-obtain solution that delivers essential peace of mind.
Motorcycle Insurance
Your motorcycle represents independence and adventure—and it deserves specialized coverage. Our motorcycle insurance protects your bike, accessories, passengers, and liability, helping ensure you’re fully covered every time you take the road.
Pet Insurance
If you rent a home or apartment, your landlord’s insurance policy does not cover your personal belongings. Renter’s insurance protects your possessions against fire, theft, and certain types of water damage, while also providing personal liability coverage for accidents. It’s an affordable, easy-to-obtain solution that delivers essential peace of mind.