Home Insurance

Insurance Plans We Provide

Personal Lines Insurance

Homeowners Insurance

Homeowners insurance or Home Insurance is a property insurance policy that provides coverage for a private residence. A homeowner’s policy will cover losses and damages to your personal residence or property.

Home insurance can also cover, furnishings as well as your personal belongings and other assets within your home. Home insurance may also offer liability coverage against certain types of accidents which may occur within your home or on your personal property.

At Nucleus Insurance we offer affordable home insurance coverage. Consider combining your home and auto insurance policies for big savings. If you currently have homeowners’ insurance with another company, you could save more a great deal by switching to Nucleus Insurance today.

Condo Insurance

Condo insurance protects against losses and repair costs for a condominium unit. Get protection against theft, vandalism, fire damage, water damage, and more. Your condo or co-op association’s master policy covers the exterior structure, but you are responsible for what’s inside your unit.  Get your quote today.

Renters Insurance

Renters insurance is a type of property Insurance. It provides coverage to an individual living in an apartment, condominium or single-family home owned by someone else.

Mobile & Manufactured Home Insurance

A mobile home policy protects your mobile home and the structures you own that are on the same piece of land. It may include structures such as a shed or outside detached garage covering losses and damage unless they are specifically excluded in the policy.

Nucleus Insurance provides coverage for a wide range of hazards including, but not limited to fire, windstorm damage, damage from falling objects, lightning, explosion, and more. In most cases, a regular mobile home policy will not cover your mobile home while it’s being moved.

Vacant Homes Insurance

Vacant Home Insurance is a specialty type of coverage that must be purchased separately. This is otherwise known as unoccupied home insurance. If you leave your home for a few months your typical homeowner’s insurance will not cover claims such as loss due to break-ins or fire and fire damage.

Insurers consider a vacant home at higher risk due to the lack of occupants and is therefore a greater liability. For more details on how we can assist in helping you vacation with a peace of mind, call Nucleus Insurance today.

Landlord Insurance

Rent with Confidence, get Landlord Insurance today with Nucleus Insurance. Landlord insurance helps protect you financially from damages or injuries incurred at your rental property. Landlord insurance is a policy that covers property owners renting out their homes, condos, or apartments. Whether you own just a single unit or the entire building or home, we can help you find the right coverage to suite your needs and protect your investment.

Landlord Insurance
Earthquake Insurance

Earthquake Insurance

Will my homeowner insurance policy cover damages incur by an earthquake? The answer is NO! the only way to cover your home due to damage caused by an earthquake is to purchase additional earthquake insurance.

If you live in an area prone to have Earthquakes, your earthquake insurance will cover the cost of rebuilding your home or replacing your belongings after an earthquake disaster. If you should incur additional expense like temporary living expenses (hotel stays, restaurant meals, etc.) while your house is being repaired. Call us today, at Nucleus Insurance we will help you find the best and most affordable Earthquake insurance policy.

Flood Insurance

Flood Insurance

Protect yourself from the financial burden caused by damage due to a flood. Just 1 inch of water can cost more than $30,000 in damage.

In fact, the government requires that homes in high-risk areas for flood to have Flood Insurance. Whether you experience foundation damage or damage to your plumbing & electrical systems, windows, appliances…etc., be prepared and get your affordable quote today from Nucleus Insurance.

Flood Insurance

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Definition

Pays medical bills and lost wages for employees injured or sickened on the job.

Why It’s Essential

Required by law in most states. Protects your staff from work-related injuries and shields your business from costly employee lawsuits.

Definition

Covers claims like wrongful termination, discrimination, harassment, or retaliation.

Why It’s Essential

Even small teams can face HR issues. EPLI ensures you’re protected against claims by current or former staff and covers legal costs.

Definition

Covers damage to your building, equipment, and furnishings from fire, theft, storms, and more. May include loss-of-income coverage.

Why It’s Essential

Your facility is your lifeline. Property insurance helps you repair, replace, and keep operating after a disaster.

Definition

Covers liability and damage involving business-owned or employee-used vehicles.

Why It’s Essential

Whether you own a van or staff use personal cars to drive residents, accidents happen. This policy ensures your business is covered no matter who’s driving.

Definition

Covers breach response costs, legal defense, and regulatory fines related to data hacks and cyber attacks.

Why It’s Essential

You store private information about residents and staff. This policy protects your finances and your reputation if that data is ever compromised.

Definition

Adds extra coverage above your existing liability policies.

Why It’s Essential

A major lawsuit can exceed your standard policy limits. Umbrella coverage steps in to cover the rest—protecting your assets and business continuity.

Definition

A broader policy covering claims of physical, emotional, or verbal abuse—not just sexual misconduct.

Why It’s Essential

Residents may misinterpret disciplinary actions or house rules. This policy defends you against claims and keeps your business financially protected.

Definition

Covers legal costs and settlements if someone is accused of sexual abuse or inappropriate behavior within your operations.

Why It’s Essential

Even an unfounded accusation can destroy your reputation. This coverage is mandatory in many programs and protects your business against one of the most serious liabilities you can face.

Definition

Also called E&O, this protects against claims of negligence, mistakes, or failure to perform professional duties. It pays legal fees and any damages awarded.

Why It’s Essential

If a resident relapses or gets hurt, their family could accuse you of failing to supervise properly. E&O protects you from these high-stakes claims not covered under general liability.

Definition

Protects your sober living home from claims of bodily injury, property damage, and advertising injury caused to third parties. Covers medical expenses, legal defense, and settlements.

Why It’s Essential

Residents, families, and service providers are constantly coming and going. A single visitor slipping on your stairs can lead to major legal expenses. This policy is often required for certification and provides a critical safety net.