Actual cash value and replacement value mean very different things when it comes to insurance coverage. If you were to suffer a catastrophic loss, you could find yourself with a serious shortfall [...]
Crafting Insurance Solutions
For Your Home, Auto and Business Insurance Needs
A tireless commitment to quality drives us. From the most reputable and proven insurance products to unrivaled service, our team delivers.
Nicholas / Tobin specialists thoroughly evaluate your needs first. Once we have a complete picture of your goals, assets, risk tolerance and budget, we search the top insurance carriers in the country to give you options. Whether it’s homeowner insurance, automobile insurance or business insurance, we customize policies that reflect you and your business so you enjoy the peace of mind you deserve.
What you get with Nicholas / Tobin
Featured Insurance Products
What Our Clients Say
My realtor suggested I call Nicholas / Tobin and what a professional team! Buying a home in a new area is always a daunting task, but they couldn't have made the process any easier for me. Thank you N/T!
Nicholas / Tobin is always there when I need sound advice. They provided me with the strategic small business advice and coverage I was looking for.
I was referred to Nicholas / Tobin through Chubb insurance when I moved to the area over ten years ago. While I have had several New York agents over my lifetime I could not be more pleased on the support and service they provide.
My business has been growing for several years and I really wanted an agent to review the coverages that I had in place. They improved my insurance policy to better reflect where I was and where my business was going into the future. They didn't just quote "Apples to Apples" they actually improved my coverage for less money.
I always thought my insurance was rather complex. I was used to having various agents in many states as I own homes in California, Florida and Connecticut.. Nicholas / Tobin solved all that and now I have one excellent team for all my insurance needs.
You never know how good your insurance is until you need to use it. Boy that couldn’t be more true in my case. Thanks Nicholas / Tobin!