Lynne Barnhardt

We recognize cost is important but also know there’s no price tag for knowing you’re covered! Get the value you deserve with personalized service that balances your priorities with your needs, and ensure you’re adequately protected. Call or stop by the Lynne Barnhardt Agency at 58 N Country Rd Smithtown, NY to review the many insurance options available for you.

In August of 1990, Lynne began her career with State Farm and is still working with many of her original customers to this day. We are so thankful for this community, and it has been our honor to serve the Smithtown, NY area for 36 years. We look forward to many more years in this beloved town!

We are a full service insurance agency offering Auto Insurance including motorcycles and recreational vehicles, Homeowners Insurance, Renters Insurance, Condo / Co-op Insurance, Life Insurance, Business Insurance, Boat Insurance, Disability/Supplemental Health, Pet insurance, Financial Services and more. Through remarkable service, Lynne and her highly trained and caring staff are committed to helping you achieve your goals. We serve all of the Tri-state area of New York, New Jersey, Connecticut and now Pennsylvania including the Long Island communities of Smithtown, Saint James, Kings Park, and Hauppauge. Please call us today for a no obligation quote!

Lynne is active in the Smithtown / Saint James community as a member of the Smithtown High School IAB, Smithtown Rotary Club and Smithtown Chamber of Commerce, where she served as a Past President. Lynne received her BFA degree from East Carolina University. She is a Life Underwriters Training Council Fellow and a member of the National Association of Insurance and Financial Adv. Her State Farm achievements include Legion of Honor, Golden Triangle Qualifier, National Sales Achievement Award, National Quality Award and Presidents Club.

Lynne is proud to call Smithtown her home and enjoys everything our great community has to offer.

Frequently Asked Questions (FAQs)

Q: How can I compare auto insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Connect with Lynne for insurance guidance in Smithtown.

Q: How quickly can car insurance coverage start?

A: Car insurance coverage can often start the same day, depending on your situation. In Smithtown, you can count on Lynne for personalized service.

Q: What coverage is required when leasing a car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Lynne is here to help your Smithtown household feel covered.

Q: What kinds of things does renters insurance protect?

A: Renters insurance can help protect the things you've worked hard for, like your furniture, clothing, and electronics. It may also help with liability if someone is injured in your home, and even assist with temporary living expenses if you have to move out due to a covered loss. Looking for coverage? Talk with Lynne about your options in Smithtown.

Q: Do you have to have home insurance?

A: Homeowners insurance requirements can vary depending on your state and situation, but most lenders will require it if you have home financing. Even when it's not required, many homeowners choose to carry coverage to help protect their home and financial well-being from unexpected events. For personalized coverage in Smithtown, NY, reach out to Lynne.

Q: How does life insurance work?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. As long as coverage remains active, it can help give your loved ones financial support when they may need it most. Give our office a call to learn more.