Nicolaysen Insurance Agency - Insuring The Metropolitan Area, All of New York, & 12 Other States

Nicolaysen Insurance Agency Provides Car Insurance, Home Insurance, and Commercial Insurance to The Metropolitan Area, All of New York, & 12 Other States

Established in 1929, the Nicolaysen Agency Inc., is an independent insurance agency. Our Mission is to provide risk management services in order to prepare for, and protect our clients from, the unexpected. Events happens to us all.

Our staff has extensive experience in formulating Car Insurance, Home Insurance, and Commercial Insurance coverage for families as well as businesses. Establishing relationships with our clientele through review and updating policy coverage including premium allows our account servicing to focus on monitoring & controlling the insured’s financial risk.

The carriers represented have been selected based on financial strength, product portfolio and claim-settlement protocol. Our focus is on you, the insured…from proposal through the application process and throughout the coverage period. In the event of claims, we’re there to assist and support.

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Recent News & Updates

Home Buyer

Today we approach a common occurrence for a home buyer: Your offer (or “bid” for you Wall Streeters) was just accepted on your home purchase.  Your lender has requested a binder for homeowner insurance prior to scheduling the closing.   Now what?  What makes up proper Replacement Cost coverage for the dwelling or structure? We believe appropriate coverage would begin by first determining the cost to...

Water Damage to the Home…How Can it be Prevented?

Water damage accounts for about 25% of all homeowners’ property insurance claims. Some of these problems are the result of events beyond our control such as torrential rain and hurricanes. Significant water damage is often caused when ordinary household appliances or plumbing fail. We can do quite a bit to avoid the costs and inconvenience of water damage.   Step one: Locate the “main water...

All Insurance Purchases are an "Accident of Timing” …Except One

No one wakes up on a beautiful Saturday morning, stretches, and says “there is only one thing that can make this day better…I’m going to find an agent and buy insurance!” Insurance is not a fun item. It’s not a shiny toy. It's purchased when necessary. It’s purchased when there is a death nearby which results in a sense of mortality (Life Insurance). It is...

In-Home Business? Here are some exposure concerns...

IN-HOME BUSINESS: The U.S. has experienced rapid growth in home-based businesses in the last decade; there are over 11 million home-based business in the country. The question is, do they have proper insurance? Most home-based business owners assume that their “homeowner policy” provides coverage for their business. That policy specifically excludes business liability exposures and offers only limited coverage for business personal property (BPP). If...