Homeowners Insurance
If you have tangible assets, you need the protection of a homeowners insurance policy. These
policies cover you whether you are in a home or an apartment or are a renter or an owner. The
typical homeowners insurance policy covers the house, the garage and other structures on the
property, as well as personal possessions inside the house such as furniture, appliances and
clothing, against a wide variety of perils including windstorms, fire and theft. The extent of
the perils covered depends on the type of policy. The homeowners policy will also be your first
line of defense against a lawsuit from someone injured at your home. Learn more here.
Auto Insurance
Auto insurance or car insurance coverage has two main parts. The first is the liability section
of the policy. It covers your financial responsibility for injuries or property damage you cause
to someone else. Often times, there is a separate coverage limit for injuries and property
damage. The second part of auto insurance covers the car itself. It is broken up into two types
of coverage, collision and comprehensive. Collision insurance covers your car or truck when it's
in an accident with another vehicle. It also covers you when you hit an object like a tree or a
pole. Comprehensive insurance covers damage to your vehicle that’s not caused by a collision,
such as fire, theft, vandalism or when you hit a deer. Our carriers have various optional
coverages, including but not limited to, rental car expenses, windshield repair, loan lease gap
and more. Learn more here.
Personal Umbrella
Most of us have auto and homeowners coverage, but having protection against a catastrophic
liability claim is often overlooked. Would you have enough coverage if something tragic happened
to you? Personal umbrella insurance, gives you and your family an extra layer of protection
above the limits in your auto, homeowners or boat insurance policy. It covers for claims brought
against you or your family for things like bodily injury from a bad car accident, emotional
stress, libel, slander and accidental damage to another person’s property. In today's world,
anyone can get hit with a lawsuit. That's why it's more important than ever to consider an added
layer of protection for your assets – and your peace of mind. Learn more here.
High Net Worth Coverage
R.H. Nicholson & Company recognizes that high net worth individuals require coverage that goes
beyond the typical, off the shelf insurance plan. That is why we offer concierge level service
and fully customizable insurance plans to satisfy your specific needs through several preferred
insurance companies.
Motorcycle Insurance
Most people rely on motorcycle insurance to protect themselves against loss in case of an
accident. In many states, you must carry basic insurance to cover the cost of losses you cause
to others in an accident. If the unexpected happens, insurance gives you peace of mind in
knowing you are protected. R.H. Nicholson & Company has a variety of motorcycle policy options
to meet your needs. Learn more here.
Valuable Items Insurance
Your possessions may be more valuable than you realize. Most homeowners policies offer limited
coverage for personal articles such as jewelry, cameras, golf equipment, fine art and
collectibles, and computer equipment. We can provide the additional protection you need with a
comprehensive valuable items insurance policy. Learn more here.
Flood Insurance
Did you know that your homeowners insurance does not cover flood damage? Insurance against flood
must be obtained separately. The Federal Emergency Management Agency’s (FEMA) maps are important
when it comes to flood insurance because if they show that your home sits in a 100-year flood
plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a
high-risk zone, or if you no longer have a mortgage, flood insurance is optional. Learn more here.
Boat Insurance
Boat or Marine insurance is available for small boats, yachts, high performance powerboats,
live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use
including personal recreation, commercial, or charter vessels. Boat policies can cover damage to
your boat, motor, trailer, and personal effects in the boat. Available coverage includes
liability, medical payments, injury to a water skier and damage to the boat itself, sometimes
called hull coverage. Availability varies by state and by insurance company. Even though boat
insurance premiums are low, shopping your rate can sometimes save a substantial amount. Learn
more here.
