Policy Credits

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NLC offers a number of cost savings credits so policy holders can keep their premiums as low as possible.

Cost saving credits available to Homeowners, Condominium Owners, and Renters include:

Credits for choosing a higher deductible. The amount of credit increases as a policyholder selects a higher deductible.

A newer home credit is given to persons who own homes that are less than 30 years old.

Credits for having central station burglar and fire alarms. Credit is also given to houses that have smoke detectors.

Homeowners whose property does not include the need to insure buildings on the insured premises other than the dwelling receive a credit.

Find an NLC agent to learn more about our available credits.


"My son was involved in a significant accident, and every person we had contact with at NLC made the whole experience simple. Each Employee was professional, responded in a timely manner and followed through on what they told us. Much appreciated!"

"I was in the process of purchasing my first home, and the NLC agent had been such a great help. She made the entire experience very easy. I am so glad someone recommended you to me. Thank you"

"A tree about 20 feet from our house was struck by lightning this past summer. The adjuster not only took care of us but also gave us tips on what to watch for in the future. What phenomenal advice. We would have never thought the lightning could run through the roots and affect more trees. We were very comforted by these words of wisdom. Thank you"

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