Frequently asked questions
Our Insurance Products
You know the importance of being a responsible driver who is defensive and aware of your surroundings. Now, it is time to enlist the help of Michael Karimian so we can create an auto insurance policy that is customized to meet the needs of your family. We take our job seriously and are confident we can design a policy that accurately addresses the unique risks your family faces.
When you begin working with Michael Karimian at our Santa Barbara office location, you will notice that adding drivers to your policy or modifying coverage options is simple, efficient, and understandable. By working together with Nationwide, we provide an On Your Side® Review where we assess changes that need to be made to your policy. We also look for ways to lower the rates you pay and provide you with discounts for which you may qualify such as good student discount or multi-policy discount.
There is no greater time than now to protect your family with the security of a reliable auto insurance policy. You can call us today at (805) 886-4246 to set up an appointment at our office located at 351 Paseo Nuevo. We look forward to helping you acquire the coverage you need.
Figuring out your home insurance needs does not have to be a stressful process. Eliminate confusion and guesswork by turning to our seasoned insurance professionals at Michael Karimian in Santa Barbara. We offer a wide array of Nationwide home insurance products that are designed to offer maximum protection. Speak with one of our agents to get an idea of your own unique insurance needs and how they can best be met through a Nationwide policy.
Some major concerns people have when looking at home insurance include potential coverage gaps, insufficient insurance, and exclusions. We want you to have the peace of mind that comes with knowing that you are fully covered, so we will work with you to create a policy that meets your needs. Call us at (805) 886-4246 or visit Michael Karimian on 351 Paseo Nuevo for a detailed consultation on which home insurance is best for you.
Our goal is to offer every homeowner the best protection for their unique situation. For this reason, we offer many safety incentives. Find out how you can save on your policy by adding safety features to your home or improving its conditions. These can include upgraded alarm systems, window guards, elimination of potential hazards, and more. Ask our professionals at Michael Karimian about a comprehensive list of ways to save on your home insurance while improving your home. We are committed to helping you enjoy your home, so we take care of the stress and worrying. Let us know how we can help.
Whenever you have any major change in your life, you should reassess your insurance needs. Marriage is one such occasion. Along with wedded bliss come new concerns and new responsibilities. You should take steps now to make sure that you and your spouse’s financial needs will be fully taken care of should the worst happen.
We at Michael Karimian are here to help newlyweds in the Santa Barbara area. We will answer all your life insurance questions and explain in easy language term versus permanent insurance. After speaking with us, you will have a complete understanding of both whole life insurance and universal life insurance and you will know which options are best for you.
In order to properly assess your coverage needs, you and your spouse will need to consider things such as your age, current income, current debt, number (if any) of dependent children, likely future income levels, final expenses and the impact of a loss of income. We will help you determine the amount and length of coverage that is optimal for your circumstances.
After marriage, life gets busy. You should make sure, however that you are not too busy to take action now to assure a financially-secure future for yourself or your spouse years down the road. Life is uncertain but you can help take the uncertainty out of your financial future by making wise choices now.
Call Michael Karimian at (805) 886-4246. If you are in the neighborhood, we welcome you and your spouse to stop by our office at 351 Paseo Nuevo.
Michael Karimian has the risk management expertise you need to protect your business and position it for future growth. Just like the coverage available from Nationwide, this expertise extends into each of the local industries in Santa Barbara, including retail and restaurants, wholesalers and professional contractors, as well as several niche markets. Whether your business is just around the corner from our office, or is located somewhere else in Santa Barbara, our agents understand commercial property coverage and your business insurance needs.
This understanding, as well as our commitment to superior products and customer service, has led the Michael Karimian to partner with Nationwide. It starts with the value of their policy coverage and the level of service delivered by the On Your Side® Claims Service. Plus, our business clients can choose from flexible billing options and specialized insurance programs, like GrouProtector℠ accident medical insurance.
From business interruption to medical stop loss, let the experts at the Michael Karimian help you search for potential coverage gaps and other customized insurance solutions. Give us a call at (805) 886-4246 to talk about how to manage your risk or to make an appointment with our office.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Michael Karimian also offers products in CA. Please call for information on products in those states.
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