Nels Family Insurance

09/02/2026

You never know what the day will bring at Nels Family Insurance. One moment we’re saving someone money, the next we’re talking someone through a claim, the next helping a dog achieve his dream of becoming a rockstar!😎🐶🐾

Let’s see some fun pics of your fur babies!

09/02/2026

If you can’t have these convos with your agent at 9:00pm on a Tuesday, it’s time to find a new agent. Welcome aboard Stephanie! We are thrilled to have you with us. 🥰

09/01/2026

Please be sure to get your name entered into our raffle! 🎟️ There are 3 chances to win a $100 Amazon gift card. The drawing will be Live November 1st! 😉

08/25/2026

🐶 Think your sweet dog would NEVER bite someone?

Here’s a statistic that might surprise you…

In 2025, insurance companies paid approximately $1.86 BILLION for dog-bite and other dog-related injury claims. 😳

There were more than 28,000 claims, with the average claim costing over $65,000.

And here’s the part we really want dog owners to know:

It isn’t just about having a “dangerous breed.”

Any dog can bite when it’s scared, startled, hurt, protecting food or puppies, or put into a stressful situation — even the sweetest family dog.

So where does insurance come in? 🏡

Dog-bite liability may be covered under your homeowners or renters insurance, but coverage varies by carrier. Some companies have breed restrictions, exclusions, or different underwriting requirements.

This is exactly why we ask about the four-legged members of your family when we’re quoting your insurance. 🐾❤️

We’re not judging your pup.

We’re making sure you know what you’re covered for before something happens.

Nels Family Insurance
A Legacy of Protection

08/24/2026

What an AWESOME way to start the week! I had to check the company mail and there was a mysterious package. Our new partner agency sent us a bag of 100 Grand chocolate with a sweet note for hitting our first $100k in premium. We’re actually almost to $400k now but the thought that went into this truly warms my heart. I’m not used to working with someone that actually acknowledges and celebrates accomplishments. 🫶🏼🥰 Thank you Firefly for allowing us the freedom to succeed and for being there with us every step of the way. I only wish we’d taken this leap much earlier than we did. ☺️

Please note the handwritten card…. It’s the little things. 😉

08/21/2026

Top 10 for the 3rd month in a row! Thank you all so much for your support! We couldn’t be here without you! 😘

08/18/2026

Good morning! It's time to tackle another insurance question. This one came from Candice.

"If you get into an accident in someone else's car, do you notify your insurance or the owner of the car's insurance?".

This is a very good question and one that we get quite often. Contrary to popular belief, insurance follows the car, NOT the driver. So, in this situation, the claim would be filed with the insurance of the owner of the vehicle. This falls under the "permissive use" clause. This basically states that if you allow someone else to drive your vehicle, you are knowingly taking on the risk that this person might have an accident and you're willing to pay for those damages (via your own policy).

So, when your kid's friends want to drive their car, keep in mind that you are accepting full responsibility for their driving habits on your own policy. Choose wisely. 🥰

Send a message to learn more

08/12/2026

Thank you friends for giving us some great insurance questions that you'd like to have answered. 🥰

Today, I'm going to take a question from Lauren.

"If someone hits your parked car, do you file the claim through their insurance or yours?".

Great question!

If you are present when the hit takes place, you absolutely want to get their insurance information and file through their insurance company. You don't even want to notify your insurance carrier about it. Any time you contact your insurance carrier directly and ask a "what do I do?" type of question, you just filed a claim (this is another reason why it's SO important to have a personal agent that you can ask questions like this "off the record"). Even if nothing is paid out by your carrier, this stays on your record for 5 years and affects your rates when you decide to shop your insurance down the road.

If you are NOT present and it's a hit and run type of situation, it's a little different. First, you need to contact the police and ask them to come write up a report. This is extremely important because it determines whether you pay the standard $250 Uninsured Motorist deductible for your damages, or whether you pay your collision deductible (usually $500-$2000) for the damages. As long as you have a police report documenting the hit and run, you can file it with your insurance carrier, pay the $250 deductible and get your car fixed. This will still count as a "claim" but it doesn't hold nearly as much weight as a collision claim. If you fail to get a police report and just report the hit and run to your insurance, you will have to pay the collision deductible AND it will greatly impact your rates for the next 5 years (even though you were not at fault).

So, if the other party is present and accepting fault, there's no need to contact the police (they typically won't site someone on private property anyway) but do ask them to go ahead and call their insurance carrier right there and get the claim started so they don't ghost you.

If the other party left the scene, get the police report.

I hope this helps answer the question Lauren. Have a beautiful day!

07/29/2026

We made top 10 again! 2nd month in a row out of several hundred agencies. Thank you ALL for your support. We couldn’t do it without you. 🥰

07/22/2026

Thank you all so much for keeping Rob and I so busy! Whew! We were super nervous about starting completely over but you’ve all been amazing about referring people our way. We’re able to help about 75% of the people we quote and it’s so refreshing to have the tools and the freedom to finally do everything the right way for our clients and their friends/family. 🫶🏼