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.
Based on the plan you select, your homeowner’s insurance may also cover any living expenses you incur from not being able to live in your house after a covered loss.
The condominium owner is able to take advantage of a policy specifically tailored to their needs. Oftentimes the condo association will provide basic coverage that protects the exterior structure of the building. A condo insurance policy will add on to the basic coverage by protecting more interior items such as flooring and carpeting, drywall, lighting, and wiring. The condo policy, like the homeowner’s insurance policy, can include the benefit of providing extra living expenses if you cannot live in your home due to a covered loss.
Both the homeowner’s policy and condo policy protect your home if you become involved in a lawsuit. This liability coverage is extremely beneficial and can help ensure that you do not lose your home in the course of an already unpleasant situation.
Landlords also need to make sure the house they are renting out is covered with a comprehensive insurance plan. While the tenant is responsible for having a renter’s policy (Nicholas Insurance offers those as well) to cover their belongings, the landlord should protect what is theirs.
Landlord Insurance provides coverage for the home structure itself as well as limited personal property such as window coverings and appliances.
Landlord’s insurance can also offer protection again lawsuits resulting from injuries at the property as well as lost rent payments resulting from a covered loss. The fair rental income coverage will cover lost rent payments for up to twelve months while repairs are being made on the home.
Whether you’re buying a home to live in or leasing a house to others, Nicholas Insurance Agency has you covered. Offering both homeowner’s insurance and landlord’s insurance to their clients, the Nicholas Agency provides comprehensive protection for your most valuable investments. The staff will help you customize a plan to fit your needs and your budget so you can benefit from the best plan for you.
The Nicholas Insurance Agency, led by Greg Nicholas, is a family owned business serving the York county, Pennsylvania region. In the insurance business since 1981, Greg Nicholas helps families, businesses and individuals understand the value of different insurance products and make wise decisions when selecting the best insurance products for their specific situations.
Offering exclusively Allstate insurance products, the Nicholas Agency provides auto, homeowners, rental and landlord insurance as well as life & disability, recreational vehicle, motorcycle and personal liability insurance.
For more information, visit our two York, PA locations at Westgate Plaza or York Marketplace, submit our online contact form, or call us at (717) 764-2024.