NICRIS Insurance Agency

11/28/2024

Finally ready to take the plunge and purchase a cabin in the mountains or a cottage by the beach?

Just like your primary residency, you must ensure your vacation retreat has the proper .

Tips for finding the right policy:

Use these tips to get the right coverage If you take a trip every year to the same place, it may make more sense to consider buying a home there instead of spending money on a hotel or house rental. Of course, purchasing a second home is a big investment, so there are a lot […]

11/26/2024

Misinformation is rampant these days, and politics isn’t the only victim.

Here, we discuss the often misunderstood topic of and how it relates to people with disabilities:

Disabilities can mean much higher premiums, but there are options offering tailored coverage which may be a better fit. There are several reasons why 43 percent of people have no form of life insurance. Some write it off as too expensive, too complicated, or currently unnecessary. Another reason is....

11/20/2024

Do you know your home’s risk profile regarding harsh weather or ?

Before buying or updating your policy, having this info is extremely important.

Learn how your home’s risk profile helps you obtain optimal coverage:

An ill wind is blowing for home insurance premiums. More than a decade of destructive weather has seen coverage rates rising. Learn why and what homeowners can do.

11/19/2024

While the truly nasty weather hasn’t arrived for those of us in yet, it’s usually a matter of when, not if.

Learn how to prepare for driving in whatever conditions winter has in store for us this year:

Winter road conditions can lead to more accidents and higher insurance rates. Learn how to stay safe on the road in the worst conditions.

11/14/2024

Commercial general liability covers a lot, but it won’t cover everything.

Concerned? Consider a business owner’s policy, instead.

Learn about both and what they offer:
https://buff.ly/4eekaPR

11/13/2024

If you’re considering , there are three key factors to look at to determine your optimal level of coverage:

✅ Total value of your assets
✅ Level of risk to those assets
✅ Possible loss of future earnings

Other things to think about before getting a policy: https://buff.ly/48vGcwl

11/12/2024

is rearing its ugly head again, especially for those in North Carolina and Florida.

It’s also showing us that areas once considered safe from Mother Nature's wrath may not be so safe anymore.

How can prepare for the worst:

Climate change is increasing risk for homeowners and insurers. Learn how this will influence rates and what policyholders can do about it.

11/07/2024

Grace periods with payments can come in handy, but policyholders shouldn’t abuse them.

Learn why making payments on time is so important and the (perhaps surprising) consequences of being late:

What’s the real price of a missed premium payment? It could be a worse financial impact than you think. Learn more with NICRIS.

11/06/2024

is expected to create more than $9 billion in losses this year, which means many companies will end up having to pay a substantial amount in claims.

This is one of many disruptions impacting the insurance industry.

Learn more about this and others:

The insurance sector changes to reflect the world, and in a changing world it pays to stay informed. Learn how you can adjust as insurance evolves.

11/05/2024

It’s no secret that a good nest egg is essential to a comfortable , but just how big should it be?

Figure out what you require so your golden years will be financially comfortable:

Retirement is the finish line for many hardworking Americans. Learn what you need to do to accurately estimate retirement expenses and secure your financial future.

10/31/2024

Looking for some easy ways to cut your costs?

Upgrading your locks and installing a fire alarm could save you a lot of money.

Other tips for reducing your rates:

The more steps you take to secure your home, the more favorably you’ll be looked upon by your insurer. Learn the common ways to guard your property and boost the chance of a reduction. Security is a differentiator when it comes to home insurance. Premiums are in large part calculated based on the ...

10/30/2024

Basic covers a lot, but it won’t cover everything.

For complete peace of mind, it could make sense to look into rider’s and floater’s coverage.

Learn how these can improve your coverage:

Many policyholders don’t use or even understand insurance floaters and riders. Here’s what they do and how they can add an extra layer of protection. Understanding insurance can be a confusing challenge for many people. Absolute certainty on what’s covered, what isn’t, and how factors like a...