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Nick Witzmann Insurance Agency

3.7 (3 reviews)
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Nick Kazerouni - Del Mar Insurance Group - Nick Kazerouni (858) 245-1149~ 100% Satisfaction Guaranteed. No Broker Fees! Auto / Home / Business / Workers Comp / Umbrella / Life

Nick Kazerouni - Del Mar Insurance Group

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Carmel Valley

Nick Kazerouni is hands-down the best insurance broker I've worked with. We're in a high fire-risk…read morezip code and kept running into dead ends trying to secure strong home + auto coverage. Nick didn't just shop quotes, he worked directly with underwriters to make the case that our home is materially lower risk based on our exact location and the property's characteristics. The result was an excellent policy when "no" was the only answer we were getting elsewhere. Beyond the outcome, Nick is great to work with. He consistently makes time to walk through options, explain tradeoffs, and help you make a decision you actually understand. If you want someone who will advocate for you and won't phone it in, I'd recommend Nick without hesitation.

I had home/auto/umbrella insurance with Farmers for more than thirty years[!]--without a homeowners…read moreclaim--but they cancelled the home policy in Q4/'2023...apparently when they realized the address was in SoCal...So we finally signed up with AAA...until they cancelled our home (still no claims) in January 2026. After a few weeks frustrating search on the internet, I talked to Nick Kazerouni, who clearly knows the market and options, and was willing to work hard to meet our requirements. He is careful, disciplined, responsive, and a nice guy. I think he will be especially valuable if you have some unusual requirements). I recommend him without reservation.

Schulte Insurance Agency - Elizabeth LeDoux

Schulte Insurance Agency

(34 reviews)

We decided to end our relationship with Ben Losin of Schulte Insurance after repeatedly struggling…read moreto reach him for assistance with our medical insurance. While he was initially usually attentive, over time it often took several days for calls and emails to be returned, which made navigating our coverage increasingly stressful. I had shared my health issues with Ben so he was aware of my condition, which made timely and clear communication especially important. Despite this, he consistently preferred phone conversations over providing written responses to important insurance questions. We explained that having information in writing was essential for us to reference later, but this request was not accommodated. This left us feeling uncertain and raised concerns about why written communication was avoided. The challenges became even more apparent as my husband's coverage grew more complex. Instead of guiding us directly, Ben encouraged us to contact the insurance company ourselves. Without a full understanding of the intricacies of the plans, this process became frustrating, time-consuming, and stressful, especially since we had engaged an insurance representative specifically to help navigate these issues. We hope our experience can serve as a caution to others so that no one else faces similar difficulties.

Friendly, knowledgeable, helpful - totally great and easy to work with, I love family businesses!…read moreThank you so much!

Nick Witzmann Insurance Agency - insurance - Updated May 2026

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