Gap Insurance covers the difference between what you owe on a car and what it is actually worth, should you experience a total loss. What is Gap Insurance and when do you need it? When you [...]

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 [...]

A local insurance agent will discuss the best options to protect your home, family, and business, help you through the red tape of claims, and give you peace of mind. At Nicholas/Tobin [...]

Children excitedly look forward to Halloween, but the evening can also turn into one of frightening statistics — and every parent’s nightmare. According to Safekids.org, child pedestrians are [...]

Certain types of house fires peak around the holidays. As you might guess, with all the cooking we do this time of year, kitchen fires top the list. While your homeowners insurance will cover [...]

Today, more and more people are choosing to rent, with millennials and Americans over the age of 55 leading the way. And, of course, college students living off campus also make up a significant [...]

Do you have an umbrella insurance policy? Are you wondering if you actually need one? Umbrella insurance can protect your assets and future wages in the event of a lawsuit. Do you own a house? A [...]

Coming home from vacation to find that your home has been burglarized definitely puts a damper on your homecoming. While your homeowners insurance will cover you in the case of theft, the time [...]

Being in a car accident is always a little nerve-wracking. At Nicholas / Tobin Insurance we’ve put together a list of steps to take after your car accident, because knowing what to do [...]

Driving in the snow can be dangerous. While the best way to stay safe is to simply stay home, sometimes that’s just not an option. If you have to go out, you’ll want to make sure your car [...]