Home owners Insurance

Your home is your sanctuary. It’s your place to rest after a hard day’s work, and it’s where you create cherished memories with your friends and family. While none of us want to think about calamity in the form of bad weather, theft or vandalism striking our homes, the truth is it does happen. At RNI, we’ll get you the best homeowners insurance for the best price, so you’re protected in the event of damage to your home.

What Does Homeowners Insurance Cover?

To protect your property, home and belongings, RNI will always recommend homeowners insurance policies that have the following coverages:

  • Dwelling: Homes can be damaged from strong winds, lightning, hail, fire, falling trees, vehicle crashes or vandalism, all of which are covered events with a homeowners policy. If your home becomes damaged to the point it is uninhabitable, temporary living expenses will also be covered.
  • Other Structures: Structures not attached to your house, such as sheds, fences and standalone garages can also be damaged by any of the hazards listed above, and repair or replacement costs to these will be covered.
  • Personal Property: A standard homeowners insurance policy will cover most of the personal property in your home in case of damage or theft. This includes your furniture, clothing and electronics. However, you should be aware that certain things considered luxury items are not covered. Check out our other property coverages page for more information on insuring, for instance, jewelry, artwork, collectors’ items and musical instruments.
  • Liability: If a person is injured on your property, a homeowners insurance policy will protect you from being liable for their medical expenses. Most commonly, liability claims on homeowners policies are for dog bites, but injuries related to trampolines, falling down stairs and other accidents are also covered.

It’s important to know that with a homeowners insurance policy, only events that are specifically mentioned in the policy are covered. Our agents will discuss your coverage options, as well as talk to you about any gaps that may exist. Coverage for floods or earthquakes, for instance, often require a separate policy.

Complete the brief form you see to the right, and someone will contact you within 24 hours to walk you through which homeowners insurance policy is best for you and your family. We pride ourselves on integrity and offering each of our clients personalized service. Once you’re an RNI client, we promise to use our knowledge and expertise to advise you the same way we would a loved one. Let’s get started!

Contact us!


You’ve worked hard to build a great life for yourself and those you love. Let us help you protect what’s most important.


It’s stressful managing a business that’s always on the move. With RNI, you can be confident that your team and your products reach their destination safely and on time


It isn’t easy running a successful business. We’ll give you the tools you need to protect what you’ve worked tirelessly to build.


Dear Mr. Nelson, Wow! What a pleasure to meet you! You really surprised us by coming to our little company. It is such a welcoming feeling to know the ladies we usually deal with have such a gentleman to work for. We enjoyed having full circle of help for our company. Although we may be small, hopefully we will grow. We really enjoyed Cathy and her information. Please stop by anytime. Thank you for lunch too. Many thanks, Cecila


I’ve got nothing but good things to say about Raymond Nelson Insurance Agency Inc., my Agent, Linda Wood and the team at RNI. I had lost all faith in insurance companies until that disaster with a former agency. Linda Wood at RNI stepped in and picked me up when I was down and restored my faith in Insurance Agents. There are some really great people out there who truly do appreciate my Business.

Billy Fannin

The last thing you want to have to worry about after a catastrophic event is the timeliness of your insurance company to put things back to normal in your life.

In June of 2019, our family, by the grace of God, survived a horrific tornado, however our home, car, workshop and personal belongings did not. After the initial shock, we immediately called to report our claim. We are insured with Raymond Nelson Insurance and Safeco and within minutes of us filing the claim, we were contacted by an adjuster. One adjuster drove from Louisville and the other from Cincinnati the next morning to sit down and discuss the next steps of getting our lives back in order.

They made us feel like a part of their family. On a scale of to 10 we will definitely give them a 10.5! We never had to question them about anything and trusted them 100%. We are recommending Raymond Nelson Insurance to our friends and family!

Alicia & Bryant Bond

Thanks for all of your work on our insurance! Have an awesome day!

Kristi and Larry / CHT, LLC