Nicholas/Tobin Insurance

10/16/2026

Improving your credit rating can help lower your insurance costs. Insurance companies look at your credit rating to decide how likely you are to have an accident and file a claim. Studies show that people with lower credit ratings are more likely to be involved in accidents that lead to claims. While some states do not let insurers use credit scores to set prices, Connecticut does allow it.

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These eight lesser known ways to help you save on your auto insurance will help you get the best rate possible!

10/15/2026

Learn how to avoid contractor fraud. Choosing the right contractor can help you save time, money, and avoid extra frustration later on.

Hiring a contractor can be a daunting task. While most contractors are trustworthy, some are guilty of taking advantage of vulnerable homeowners – especially when the repairs involve an insurance claim.

10/14/2026

For , we thought we'd share some simple tips on how to prevent fires, inside and outside.
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To keep yourself and your loved ones safe, we list a few tips for preventing fires inside and outside your home. Find out how to keep you & your family safe.

10/13/2026

10/12/2026

To help prevent ice dams, make sure your gutters and downspouts stay clear of leaves, sticks, and other debris. Also, remove any snow or icicles that build up during winter. While homeowner's insurance might cover damage from ice dams, it likely will not if the damage happens because of poor maintenance before or after an ice dam forms.

Does homeowners insurance cover ice damage? Find out what may be covered, from ice dams and frozen pipes to hail damage and liability claims.

10/09/2026

If you’re ever involved in an accident, it’s important to stay at the scene. Leaving could be considered a “hit and run,” which isn’t just irresponsible—it’s illegal in most places. Depending on where and how the crash happened, leaving the scene can result in anything from a traffic ticket to serious criminal charges, and the legal consequences can be severe.
https://ntins.com/2018/03/16/what-to-do-after-a-car-accident/

10/06/2026

Do you know the safest place to store your important documents?

Passports, birth certificates and Social Security cards are “super IDs.” With these items in hand, a criminal can easily create bogus accounts in your name or hijack legitimate accounts you own.

10/05/2026

Wondering if your car insurance will cover vandalism to your car? What about if property is stolen from your car? Comprehensive coverage on your car insurance policy will cover damage beyond the deductible due to vandalism, but if personal property is stolen from your car, that would be covered by your homeowners or renters insurance. You'll likely have another deductible that you need to meet first there too.

Is vandalism covered by car insurance? Find out what constitutes vandalism to your car, how it's covered, and what to do if someone damages your vehicle.

10/02/2026

If you can’t stay in your home because of a covered loss, loss of use coverage can help pay for extra expenses like hotel stays, meals, or transportation.
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Learn how loss of use coverage can help preserve your usual standard of living if you’re unable to live in your home after a covered insurance loss.

10/01/2026

Gap insurance is especially useful if there’s a good chance you might owe more on your car than it’s worth. This often happens if you make a small or no down payment, take out a long-term loan of five years or more, lease your car, or buy a vehicle that loses value quickly.

Learn how gap insurance protects you if your vehicle is totaled or stolen, what it covers, when it's most useful, and whether it's worth the cost. Get a free quote from Liberty Mutual.