Niantic and East Lyme together are one of the steadier insurance markets on the central shoreline — from Crescent Beach and the Niantic Bay shoreline to the inland neighborhoods off Route 161. I write Medicare, life, home, auto, and flood for year-round families, retirees, and beach-cottage owners alike.
East Lyme covers the inland and Sound shore between Old Lyme and Waterford; Niantic is its village on the water. Most year-round residents live off Route 161 and Route 1, while the coastal piece — Crescent Beach, Black Point, the cottages along the bay — brings in the seasonal and second-home traffic. The split makes for a varied caseload.
The flood picture along the Niantic Bay shoreline runs AE through most of Crescent Beach and the direct-water cottages. Risk Rating 2.0 has shifted NFIP premiums on these properties — sometimes up, sometimes down. I quote NFIP and private flood at every renewal because the answer changes year over year.
For inland East Lyme families, the picture looks more like a typical Connecticut suburb — home and auto, term life for working parents, Medicare review for retirees. Auto rate spreads here are lower than New Haven but still meaningful enough to re-quote periodically.
Medicare and life are steady year-round. East Lyme and Niantic together have a meaningful 60-plus population, and I see annual Medicare reviews here every fall.
Annual reviews each fall before AEP. I shop the major Connecticut carriers and tell you straight which one fits.
Free Medicare review 02Crescent Beach, Black Point, the Niantic Bay shoreline. NFIP and private flood quoted side by side.
Free flood review 03Year-round homes, cottages, and the carriers still actively writing on the central shoreline.
Free policy review 04For working East Lyme families with kids in the East Lyme schools. $1M of 20-year term runs $25–$45/month for a healthy 30-year-old.
Free term quoteMost East Lyme and Niantic meetings happen at clients' kitchen tables — Crescent Beach cottages, the year-round homes off Route 161, the inland streets. The agency office is in Madison, about 35 minutes west.
Often yes since Risk Rating 2.0 reset NFIP pricing. I quote both at every renewal. Private flood usually includes loss-of-use coverage NFIP doesn't and sometimes carries a higher dwelling limit too.
Lower than New Haven proper, similar to the rest of the central shoreline. Carrier spread is still wide enough that re-shopping every year or two usually pays for itself. Send me your renewal.
Depends on your employer. 20+ employees: usually you can defer Doctor coverage (Part B) without penalty. Fewer than 20: you generally need Doctor coverage (Part B) at 65 even if you keep working. Worth a 30-minute conversation before your 65th birthday — getting this wrong is expensive.
Yes — marine and dock coverage with the right marina-certificate liability and pollution-liability minimums. Standard homeowners usually doesn't extend properly to a slipped boat.
Live in East Lyme & Niantic — or anywhere on the shoreline — and have an insurance question on your mind? Send me your situation. The first conversation is free, no follow-up calls you didn't ask for.
Book a call →Your kitchen table or my Madison office. Your free insurance appointment includes valuable guidance tailored to your needs, no pressure, and no follow-up calls you didn't ask for.
In person · By phone · By video