DCAP INSURANCE Reviews 2023: How does it work, All you need to know

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Have you ever wondered what DCAP insurance is all about and how it works? Then you have come to the right place. This article will answer all your questions. 

Also, according to 36 reviews, DCAP has a rating of 4.6 out of 5stars on google. It also has a 5star rating on yelp. This is likely to increase in coming months.

Generally, Insurance quotes in New York can be hard to find. This company can help. Their agents and brokers will quickly find you the best deals and give you a lot of different prices from the best companies. 

In addition, they will do their best to get you the best deal on all of your insurance needs. DCAP insurance has a website where you can get a quick, free quote. You can also call and talk to an agent at your local office. 

Let’s get started shall we?

What is DCAP?

A dependent care assistance program (DCAP), as defined by the tax code, is a tax plan. It allows an employer to give tax-free dependent care support benefits to its employees. DCAPs, or dependent care flexible spending accounts, are the most common name for them (dependent care FSAs). 

Furthermore, Employees finance DCAPs with pre-tax cash through payroll deductions under a 125 plan in the majority of situations. Employees can request reimbursement from their DCAP account for acceptable dependent care expenses, such as babysitting or child care. 

However, to provide tax-free dependent care assistance benefits, DCAPs must adhere to the criteria of Internal Revenue Code Section 129. DCAPs that allow employees to make pre-tax contributions are also subject to Code Section 125 cafeteria plan standards.  

In addition, it includes some of the same rules that apply to health FSAs (excluding the uniform coverage rule).

Benefits received from a DCAP account by an employee are not taxable if: 

  • The costs are for one or more qualifying individuals (for example, a kid under the age of 13); and 
  • The expense is incurred by the employee in order for the employee (and his or her spouse) to be gainfully employed.

About DCAP Insurance

DCAP has been in the insurance market in New York for 30 years. For residents of the Five Boroughs, Long Island, and Westchester County, the company knows which businesses give the best insurance rates. 

Additionally, the Insurance works with the best vehicle insurance providers in the country to provide low rates and comprehensive coverage. 

Regardless of prior accidents, poor credit, or points on your license, your DCAP representative has all the resources necessary. This representative will assist you acquire the correct coverage at the best price. 

Basically,allow DCAP to take away the fear of being underinsured and give you the confidence to continue on the road. 

The company has a team of insurance agents dedicated to assisting you in obtaining the appropriate coverage for your needs.

You can trust the courteous and knowledgeable staff to guide you through the coverage selection process. 

Also, you will be offered a variety of additional insurances, including vehicle, home, and motorbike insurance.

About DCAP Insurance Hempstead

There should be more than just good insurance coverage for insurance companies to give their clients. DCAP wants to make sure customers get great prices and coverage, as well as friendly and personable customer service. 

Additionally, there are the best insurance rates for condos and co-ops, flood insurance, and motorcycles in Hempstead. DCAP has the best prices in Hempstead. DCAP will help you find Long Island insurance that is both cheap and comprehensive.

About DCAP Insurance Brentwood 

Do you require house and auto insurance in Brentwood? DCAP provides insurance services to drivers and homeowners who reside or work in the area at exceptionally inexpensive rates! 

They can provide you reasonable New York auto or homeowner’s insurance. No matter what your automobile or home insurance needs are. 

The staff is dedicated to provide you and your family competitive rates without compromising coverage. You’ll appreciate the peace of mind that comes with working with a reputable, local insurance agent.

Furthermore, the team’s prompt reaction to a simple phone contact is flawless. Especially to review your New York auto or house insurance coverage. Also to review a crisis involving a car accident or event at your home. This will give you confidence that they will be there when you need them.

About DCAP Insurance Yonkers NY 

DCAP can guarantee that you will receive nothing less than the best insurance services in Yonkers. It has the best rates in the tri-state area for those looking for home insurance, renters insurance, condo and co-op insurance in Yonkers! 

Also, you will be offered New York insurance that is both inexpensive and comprehensive. This will be regardless of the type of home or renters insurance you choose. The Westchester insurance agents are dedicated to meeting your insurance needs. They will create a policy that is tailored to your specific needs.

What are DCAP Insurance Coverage Options?

DCAP provides a wide range of insurance options, including renters insurance, condo insurance, auto insurance, and co-op insurance.

Below are the coverage options offered by DCAP;

Renters Insurance

Renters insurance is a type of property insurance that covers damage to personal property.It also protects the person who has it from being sued. This includes injuries that happen in your rental that aren’t caused by a structural flaw. 

Generally, your landlord is responsible for any injuries that happen because of structural problems. Renters insurance covers everything from a studio apartment to a whole house or mobile home. Even if you live in a tent, you are covered.

Condo Insurance

Condo insurance is a type of insurance that provides protection from financial ruin. This insurance provides protection in the event of a loss or damage to a condominium. Theft, vandalism, fire, and water damage are just a few of the perils covered by most condo insurance policies. 

When it comes to insurance, condos are an excellent alternative to renting an apartment or buying a single-family house.

Auto Insurance

It’s critical to safeguard your automobile purchase or lease. In the event of an accident, theft, vandalism, or natural disaster, having auto insurance can provide peace of mind. 

In most cases, when a car accident occurs, persons who have auto insurance pay a yearly payment to the business. The company subsequently pays all or most of the costs associated with it.

Co-op Insurance

Property and casualty insurance for co-op apartment owners is referred to as cooperative insurance (or co-op insurance) (or other cooperative organizations). Most of these policies are designed to protect their building or individual units in the event of an accident. 

Coverage for co-ops includes burglary, fire damage and liability, as well as a host of other things. For the most part, the common facilities of a co-op building, such as the lobbies and elevators, are covered by the building’s insurance policy. 

In most cases, the building itself is covered by the co-op association’s insurance policy, not the individual flats. Unless the damage is caused by an event that falls under the association’s purview.

Additional Coverage Options

Below are some of the additional coverage options offered by DCAP;

Home Insurance

Having homeowners insurance (also known as home insurance) is not an extra. It is required by law. This isn’t just because it protects you and your home and things from damage or theft. 

Mortgage companies almost always require borrowers to have insurance coverage. It is important you have the insurance for the full or fair value of a home. This is usually the purchase price. They won’t make a loan or finance a residential real estate deal without proof of it.

Motorbike insurance

Motorcycle Insurance is a separate policy that covers a wide range of motorcycles and associated vehicles, including trikes, mopeds, scooters, dirt bikes, all-terrain vehicles, personal transporters, golf carts, and snowmobiles.

Flood Insurance

Flood insurance is a sort of property insurance that protects a home from losses caused by floods. Floods caused by severe or prolonged rain melting snow and coastal storm surges, clogged storm drainage systems, or levee dam collapse. 

Generally, a flood is regarded as a catastrophic significant occurrence in many places. The damage or destruction it causes is not covered unless you have extra insurance.

Truck Insurance

Trucks used to transport goods from one location to another are covered by commercial truck insurance. These trucks assist firms in transporting raw ingredients and finished goods more quickly. 

However, because of their constant operation, which includes long-distance travel, vehicles are susceptible to a variety of dangers. This includes accidents, natural disasters, and significant wear and tear. All of these dangers come at a price, which can be rather high at times.

Commercial Property Insurance

Any commercial property is covered by commercial property insurance. Fire, theft, and natural disasters are just a few of the hazards that commercial property insurance covers. 

Furthermore, commercial property insurance is carried by a wide range of firms, including manufacturers, retailers, service-oriented businesses, and non-profit organizations. It’s usually packaged with other types of insurance, such business general liability insurance.

DCAP Insurance reviews

Below are some of the reviews on DCAP;


“Harvey is the greatest guy you will ever meet. Great price, great service, just a great place to deal with”.

Gary N.

“They are a very professional team and helped me with all my needs for home and auto!”

Rahshawn W. 



“Hempstead Branch is wonderful to work with! I found Rico through a recommendation. He is so knowledgeable and helpful. I began getting a quote for homeowners insurance. I moved all my insurance to Rico’s office because they are so professional, helpful and responsive to the clients needs”.


Now that your questions on DCAP have been answered, why don’t you take that bold step and give them a trial.


What is DCAP’s phone number?

You can DCAP on 1-800-293-DCAP.

Where is the headquarters located?

The headquarters is located at 956 South Broadway, Hicksville, New York 11801.

Where is DCAP located in Hempstead?

It is located at 33 Main Street, Hempstead, New York  11550. you can also reach them on 516-538-3227.

Where is DCAP located in Brentwood?

It is located at 779 Suffolk Avenue, Brentwood, New York  11717. To learn more about the Brentwood Insurance Services, including home insurance, auto and motorcycle insurance, renter’s, condo, co-op, and flood insurance, contact us today at (631) 231-3333!



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