Like it or not, none of us can prevent emergency situations; the best we can do is to prepare for them. Somewhere, there’s a balance between being prepared and fretting about the many “what if” scenarios in life, and that line can be difficult to find. When we do face emergency situations — whether they come in the form of natural disasters, accidents, or medical emergencies — we’ll all be more likely to move past the initial tendency to panic if we have a plan in place. [Read more…]
Even if you DIY your home renovation, you probably realize that sometimes it’s actually more cost effective to hire a professional to complete certain aspects of your project. They have the right tools and expertise and can save you valuable money — and sanity! The same is true for dealing with your renovation-related waste. Even if you’re donating or dropping off some of it on your own (read Part 1), you might decide that professional waste-removal will be necessary. If so, here are some general guidelines that can make the process as pain-free as possible.
The Inexpensive Route
A step up from the DIY route, the most cost-effective professional service is usually your normal trash collection service. Simply contact the existing company you use and ask about bulk waste pickup options. The amount they charge will be based on size and/or weight of the waste. Usually similarly priced, companies specializing in renovation waste removal are added options. You’ll want to call around in your area to find out what the best deal would be. [Read more…]
While we all want to do our best to avoid getting into a motor vehicle crash, we also want to make sure we’re prepared, in case one does occur. As with any type of disaster, we can take steps ahead of time to avoid the added burden of panic that comes when we have no clue what to do. It may help to review each of these five using one of your five fingers.
Step 1: Check for Injuries
Of course, you’ll want to start with yourself, being careful not to move until you’re sure you’re not seriously injured. If you are, call 911 or ask someone else in your vehicle or on the scene to do so. If you’re not seriously injured, you’ll then want to check on any passengers and call for help, if needed. Then, make sure your vehicle isn’t causing a hazard for other vehicles; if it is, and it is safe to drive, pull it off to the side of the road. If you cannot move it, turn off the engine, turn on your hazard lights, and prioritize getting yourself and your passengers to safety. If you have road flares, activate them to help other vehicles avoid hitting yours as you wait for help. [Read more…]
Did you know that the death rate is more than twice as high in homes without working smoke detectors, as with operational alarms? While 37% of deaths in home fires occur when no smoke detectors are present, 23% occur in homes with smoke detectors that failed to operate. Those statistics seem pretty motivating, don’t they?! So today we’re going to look at what might be the most important factor in your family’s safety and learn how to test the smoke detectors to ensure they’re actually functioning properly. [Read more…]
Do you remember, back in the day when you were anxiously awaiting your closing date on your then-new home, having your insurance agent ask you if the house had operational smoke detectors and fire alarms? Well, there’s a reason that these devices influence your insurance rates: they protect your home — and, even more importantly, your family — from cataclysmic destruction. The statistics are startling and certainly support the concept that smoke detectors are life-saving devices: “The risk of dying in reported home structure fires is cut in half in homes with working smoke alarms.” Did you catch an important word in that statement, though? Only smoke detectors that are actually working properly help prevent fire-related deaths. [Read more…]
Are you itching to get your DIY home renovation on? If so, you might not have thought about one of the unfortunate byproducts of your much-anticipated projects: waste. Whether you’re replacing siding or building a new deck, you’ll probably end up with more overflow than you plan on. Instead of risking your driveway’s appearance as a neighborhood junk yard, overshadowing the beauty of your newly renovated home, you can plan ahead to employ responsible and cost-effective methods to reduce the clutter associated with home construction.
Donate the Good Stuff
While you’ve been waiting to get rid of those dated light fixtures, others might treasure them as the perfect vintage find. Your upgraded appliances might allow you to bless someone who doesn’t have the money to buy an older, basic model, brand new. You can choose from several beneficiaries, helping various community organizations or individuals. With all the reno you’re doing, you probably don’t want to spare the time to drop off or deliver your unwanted items, but if they’re in working order, you can probably get people to come take them off your hands. [Read more…]
Since 1981, Greg Nicholas has been helping families just like yours protect what’s important to them. As a family-owned and operated business, we take the time to get to know our customers and understand their needs. Partnering with Allstate, we benefit from an 80-year tradition of service and protection. When you add to that our friendly service and expert advice, it’s no wonder that over 10,000 customers have entrusted us with their insurance and financial needs. Our fully licensed staff of 12 can help answer your questions and provide the best possible protection for you and your family.
We have two locations from which we serve the greater York County area in Pennsylvania. We serve West York from the Westgate Plaza (1550 Kenneth Road), and East York from the Northeast Shopping Center (2523 East Market Street). Greg Nicholas shares his time between the two offices, each of which is fully equipped with licensed insurance professionals and underwriters. [Read more…]
Imagine that you’re on your way home from a family vacation. You pull into your driveway and see that last night’s storm has caused a tree to fall onto the corner of your house. The last thing you want to have to do is deal with the mess, but one bright spot in the situation is that you have great homeowner’s insurance. The Nicholas Insurance Agency of York, PA offers the great coverage plans you need, and treats you like family in life’s toughest moments.
It is important to have a good coverage plan when it comes to insuring your home. No one likes to think about something happening to their house, but everyone is thankful for good insurance when it does happen.
Nicholas Insurance provides coverage for owners of single-family detached homes, duplexes, townhouses, and condos. Not only do the homeowner’s insurance policies cover the structure itself, but also any detached structure as well as personal belongings. Detached structures include fences, sheds, and garages while personal belongings are things such as furniture, clothes, electronics, and appliances. [Read more…]
The Nicholas Insurance Agency is a family owned and operated business that is committed to helping you save. We’ve partnered with Allstate to provide the best insurance plans and coverage so we can better serve our clients. From immediate needs to long-term goals, our team is available to guide you and support you as you make decisions. We combine our experience, knowledge, and compassion to help you save money, time, and the environment.
The Nicholas Agency helps you save money by finding the right plan for you. We will help you choose not only the plan that best fits your needs, but also the plan that best fits within your budget. Our team is dedicated to providing you the best coverage at a rate that you can afford. We offer numerous ways to take advantage of discounts, and we also offer rewards for safe driving. Combine our affordable plans with those discounts and rewards, and you can be well on your way to saving money by lowering your monthly insurance bill. [Read more…]
We hear them all the time: excuses for why people don’t buy life insurance. We’re guessing yours are probably on our list of top reasons you may think you don’t need life insurance when you actually do. So without further ado, here they are. [Read more…]