Auto Home & Personal Insurance

Automobile Insurance

We would be honored to serve as your Indiana Car Insurance agent of choice. In addition to our competitive rates and exclusive discounts, we guarantee unparalleled benefits and consistently superior customer service.

No matter what type of vehicle you own, the agents at Nichols Insurance will work to ensure the policy you choose for auto insurance meets your specific needs. Our policies protect you and your vehicle and provide the peace of mind you deserve every time you get behind the wheel of your car.

When you choose Nichols Insurance as your car insurance agency, your auto insurance will include a broad range of coverage types, such as Liability (property damage, as well as injuries you or others sustain caused by you while operating your vehicle); Collision (protection when your car collides with another); Medical (coverage for medical expenses for you and occupants of your insured automobile); and Comprehensive (protection from damage due to events other than collision with another vehicle).

Homeowners Insurance

If you find the process of selecting and purchasing Homeowner’s Insurance intimidating, you’re not alone! It can seem like a daunting task, but at Nichols Insurance, we’ll walk you through every step of the process to ensure you make the best selection for you.

It is now common for mortgage companies to require you to purchase home insurance as part of your home finance agreement. If this is your situation, we’re here to provide a wide range of carriers to make sure you select the policy that will best suit your needs. A typical Indiana homeowner’s insurance policy will ensure you coverage for personal possessions inside the home; the structure of the building itself; living expenses in case you are unable to occupy your home due to unexpected disaster; and liability. Supplemental polices can be considered as well, including flood and earthquake policies.

Renter's Insurance

If you’re one of many who choose to rent a living space rather than buy, you’ll need to protect yourself and your possessions with Renter’s Insurance. Renter’s Insurance takes into account life’s unexpected (and unwanted!) events, such as a break-in while you’re at work. When you purchase Renters Insurance with Nichols, you’re choosing protection for your possessions in case of an unanticipated occurrence. Remember – your landlords insurance only covers HIS (or her) property, not yours.

Renters Insurance can also include Additional Personal Property—such as valuable jewelry and antiques.
If you’re feeling confused, you’re not alone. We know there’s a lot to learn about Renters Insurance. Just give us a call, and we’ll provide a quote and all the information we know about feeling protected and comfortable in your rented apartment, house or condo.

RV Insurance

If you’re like millions of other Americans across the country and own a recreational vehicle purely for enjoyment, you’ll want to protect it to ensure years of future use, whether it be fun in the sun on your jet ski or a cross-country adventure in your motor home with loved ones.

Our Recreational Vehicle policy covers a wide range of just-for-pleasure vehicles, including motorcycles, sailboats, snowmobiles, golf carts, and more. We’ll walk you through the specifics of each policy for each unique vehicle, such as medical expenses in case of a boating accident on the lake, physical damage to your ATV in the middle of the action, or liability when your dirt bike collides with your neighbors on a Saturday in the woods.

No matter what your recreational means of transportation, Nichols Insurance can help you protect it from damage, theft, and vandalism. So go ahead and plan that biking trip through the Wild West or a camping adventure in Yellowstone under the summer stars—just make sure to call Nichols Insurance first to find out everything you need to know about Recreational Vehicle insurance.

Motorcycle Insurance

For the daredevil in you that can’t wait to cruise the mountains at top speed, let us help you insure your motorcycle or off-road vehicle for worry-free fun on the road. Collision Coverage can help protect you from an over-enthused motorist or falling debris in your path; Property Damage and Bodily Injury plans will cover costs for accidents you cause to another adventure-seeker; and Uninsured Motorists coverage will make sure any of your own medical expenses/property damage are covered when someone else is at fault in an accident, even they are riding without insurance.

You can purchase additional coverage for custom equipment and medical plans, along with a variety of other options. You may also qualify for special discounts for completing personal safety courses, being a mature driver, or for insuring more than one recreational vehicle, so don’t forget to ask about extra options when contacting Nichols Insurance about coverage for your Motorcycle or ATV!

Flood Insurance

Another policy you’ll want to purchase for protection of your personal property is Flood Insurance. Even though it may seem as if water damage should be covered under your home insurance plan, it requires its own policy, and it’s more affordable than you may think.

Damage from flash floods and heavy rains can be devastating to your home. When you buy flood insurance with Nichols Insurance, you’re ensuring coverage in case of an unexpected water-related event that could damage the structure of your entire living space and all of your personal possessions. Floods can happen anywhere, any time, especially in the Midwest. To find out more about how you can protect your home from water damage and what flood insurance plans may be available in your area, including an overview of the federal-government sponsored National Flood Insurance Program (NFIP), just give us a call.




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