Family-owned independent agency · Chappaqua, NY · Since 1929 info@nicolaysenagency.com  ·  Hours: Mon–Fri, 9am–5pm
Nicolaysen Agency Insurance · Since 1929

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Personal Insurance

Personal insurance for your home, family and everything in between

We offer every type of personal lines insurance, including home, auto, liability, motorcycle, renters, boat and more, shopped across the industry's best companies.

Home & High-Value Homes

Your home is not just one of your most valuable assets; it is also where you shelter your family and precious belongings. It's where you raise your children, gather with your closest friends, and make and store many of your most precious memories.

Properly protecting your home is much more than wrapping it in a big insurance policy. We protect your home from fire, water, Mother Nature's fury, liability and theft, and we help protect you from claims and soaring premiums by offering confidential, comprehensive property inspections and keeping you up to date on new solutions for loss prevention. Should you experience a devastating loss, you can trust us to keep your coverage ready for rebuilding, even as demolition and construction costs continue to rise.

We also have deep expertise in high-value homes, including primary, secondary and seasonal residences.

  • Primary, secondary & seasonal homes
  • High-value & custom-built homes
  • Condos & co-ops
  • Confidential property inspections
  • Loss-prevention guidance
  • Coverage designed for rebuilding

Auto

Drive with confidence knowing your automobile insurance provides essential protection against accidents, theft and liability on the road. From basic coverage to full plans including collision, uninsured motorist protection and roadside assistance, we have options to fit every driver and budget.

  • Liability
  • Collision & comprehensive
  • Uninsured / underinsured motorist
  • Roadside assistance options
  • Multi-car & household drivers
  • Bundling with home

Umbrella

An umbrella policy adds an extra layer of liability protection above your home, auto and other personal policies, helping protect your personal assets and future if a serious claim exceeds your underlying limits.

  • Extra liability limits
  • Sits above home & auto
  • Protects personal assets
  • Coordinated with your other policies

Flood & Excess Flood

Standard homeowners policies typically don't cover flood. We write primary flood policies and excess flood coverage that sits above a primary flood policy's limits, so homes with higher rebuilding costs aren't left underinsured.

  • Primary flood policies
  • Excess flood above primary limits
  • Coastal & waterfront homes
  • Help reviewing flood zone & elevation details

Renters

Renters insurance protects your belongings and your personal liability when you rent an apartment or home. It's typically affordable and can be paired with auto or umbrella coverage.

  • Personal belongings
  • Personal liability
  • Additional living expenses
  • Pairs with auto & umbrella

Boat, Motorcycle & RV

Specialized policies for your boat, motorcycle and recreational vehicles fill gaps in your protection plan, on the road or on the water.

  • Boats & watercraft
  • Motorcycles
  • RVs & motorhomes
  • Other recreational vehicles

Coverage availability and terms vary by carrier and policy. Your policy documents determine actual coverage.

Ready to review your coverage?

Talk with a local, independent agent who works for you, not for one insurance company.