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Insurance

The Insurance Industry is very competitive. Consumers are bombarded daily with advertising encouraging them to call or shop online to compare rates. A great idea if price was all that mattered.
The truth is, there is a lot more to insurance than getting the lowest rates. The lowest rate may not leave you fully covered, and you won’t learn that until it’s too late. Here at Nichols Financial Services, we don’t invest our money in clever marketing tools, we invest them in clever, caring people. Our staff of insurance professionals will sit down and talk to you to fully understand your insurance needs. Their goal is to help you find the right insurance product(s) at the lowest prices possible, without leaving you or your loved ones at risk.
Our Insurance Products Include:
Auto
Products include primary vehicles as well as classic cars, commercial vehicles and motor homes. Our prices are hard to beat – let us provide you with a quote today!

Homeowners
Products include coverage for first homes, second homes, seasonal homes, homes with businesses, tenant occupied, mobile homes, renters, and even vacant homes.


Recreational Vehicle
Products include motorcycles, ATVs, boats, campers, travel trailers, snowmobiles, and jet skis. We are your #1 recreational vehicle insurer! Get competitive coverage fast by clicking here:


Life
Our life insurance programs are unmatched. We offer several Term products from companies like Banker’s Life and William Penn to a variety of Whole Life products from Farmers and Traders. You can rest easy knowing we can meet all of your life insurance needs.


Commercial
Our commercial insurance division can handle all your business needs, from general liability, worker’s compensation, and NYS disability, to commercial buildings, business owners’ packages, and equipment floaters.


Allow us to be your agency.
For an insurance quote, choose the option from the list above and submit the appropriate form or contact Dannel, Rick J or Rick H directly.