Homeowners Insurance

Your homeowners insurance must be just right …

Your house is perhaps the largest financial investment you’ll ever make. You know you need to protect that investment. Yet your house is more than dollars and cents. It’s your home! It’s where you raise your children. It’s where you celebrate the victories in life. And it’s where you share your sorrows with those you love. Along the way, you collect items that are valuable both for their memories and for their monetary worth. So here are a few things you must know when shopping for homeowners insurance.

Protection against…

  • Fire
  • Theft
  • Earthquake
  • Flood

Coverage for…

  • Residence
  • Out Buildings
  • Furniture
  • Clothing
  • Appliances
  • Home Office Equipment
  • Jewelry / Furs
  • Collections
  • Personal Belongings
  • Living Expenses during Repair
  • Mobile Homes

Discounts for…

  • Anti-Theft Systems
  • Dead Bolt Locks
  • Fire Alarms
  • Fire Extinguishers
  • Smoke Detectors
  • Sprinkler Systems
  • Combining Policies

Under-Insured: Too Little Homeowners Insurance

If your homeowners insurance doesn’t take all of the contents of your home into consideration and your personal liability as a property owner, you could be under-insured. Should an incident occur, you could have a significant financial loss.

Over-Insured: Too Much Homeowners Insurance

On the other hand, if you don’t understand what is in your homeowners insurance policy, you could be over-insured.

Homeowners Insurance that’s Just Right!

Your licensed insurance specialist will use our thorough Homeowners Insurance Checklist to ensure that everything you have of monetary value, as well as your personal liability, is included in your new home insurance policy. Yes, another insurer may quote you a little lower price, but when you have a claim, you may find out that you are not covered for the loss! Remember, unlike online providers, we live in your neighborhood. We’ll take better care of you and make sure we get it right. After all, we want you to be glad to see us when you meet us in the grocery store.

We do the shopping for you.

We have more flexibility than traditional insurance companies, like Allstate, Farmers, AAA, or State Farm. They sell just one brand. As an independent insurance agency, Carl Nelson Insurance works with numerous underwriting insurance companies, all with A ratings with A.M. Best Rating Service. You don’t have to shop around—we do that for you.

High-Value Home Insurance Coverage. Save up to 15%.

While shopping for your quotes, our aim is to match your unique home insurance needs with first-rate coverage at a low price. With our state-of-the-art technology, we can compare your coverage options for homeowners insurance in just a few minutes over the phone or by email or by using our Get Quotes form. Often we can save you up to 15% on what you are currently paying for home insurance while improving your coverage!

If your home is difficult to insure …

Sometimes getting home insurance can be difficult, like if your house has a shingle roof or is an older home. Or maybe you made a claim and then your insurer dropped you. When another insurance company can’t or won’t cover you, don’t panic. We help those who are difficult-to-insure get home owners insurance coverage at an affordable cost.

Claims assistance

Inevitably, life will throw bad stuff your way, and you will need to make a claim. To make it as easy as possible for you, Carl Nelson Insurance provides 24/7 claims service directly with the insurance company we’ve placed you with. We also have a dedicated in-house claims department to answer your questions and to help you resolve any issues with the least amount of worry. It also saves you precious time!

Personal assistance when you need it

If you have any questions, your home insurance specialist will know you and be responsive to you personally. The rest of the CNI staff will back up your specialist, always ready to serve you when you need it.

Locally owned and operated

Carl Nelson Insurance has offices in Hanford and Visalia, California. We set our own policies on how to best serve you. We don’t have to answer to “corporate” like name brand insurance companies. Plus it’s easy for you to drop by and talk to us one-on-one.

20-something employees. Well-trained!

We are large enough that someone is always available to help you. Yet, we’re small enough to give you personal service.

Phones are answered by a human being.

During office hours, our phone is answered by someone eager to serve you — not a call center.

Established in 1977

Our longevity and history demonstrate our strength and stability. We’ll tell you simply, plainly, and honestly what we recommend for your home insurance needs.

Insuring Californians

Although we primarily serve the home insurance needs of residents of Hanford, Visalia, Fresno, Lemoore, Bakersfield, Kingsburg, and Selma, we can insure you no matter where you are in California. We can bind and issue coverage via fax, email, or even with an electronic signature.

BBB rating

We are pleased to have achieved an A+ Rating with the Better Business Bureau. The BBB standards for businesses are high and embody the principles of trust, integrity, and honesty.

Listed: Top 5 local insurance agencies

At Carl Nelson Insurance we’ve never had to change our business principles because we’ve been doing it right since the beginning. That’s why we’ve grown and grown. According to the Fresno Business Journal, we are the 5th largest independent insurance agency in the Central Valley. We have to be doing something right.

Final thoughts

Carl Nelson Insurance knows customers come first in every business transaction. That is why so many of our clients and their families have been with us for over 40 years — we earn and keep their loyalty by doing excellent work for them every single day.

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