Products
About Our Products & Services
Welcome to the Kelly Agency, where your peace of mind is our foremost priority.
At the core of our services is a customer-centric approach. We understand that every client is unique, and so are their insurance needs.
Our team is dedicated to offering dependable protection. We value clarity and transparency. We ensure that you’re fully informed and comfortable with your choices.
No question is too small, and there’s never a bad time to ask. We focus on you, our customer. This focus drives us to improve our relationships and the value we provide to you. We don’t settle for “that’s how it’s done”. Instead, we seek innovative ways to improve our services and your experience with us.
As you explore our services and products, know this: you’re not just buying an insurance policy. You’re partnering with a team that values your peace of mind most. Welcome to a new way of experiencing insurance – welcome to the Kelly Agency.
Auto Insurance
At the Kelly Agency, we understand that your vehicle is more than just a mode of transportation. It’s a vital part of your daily life. That’s why we offer comprehensive auto insurance policies designed to provide you with the security and peace of mind you deserve.
Coverage Details
- Liability Coverages: Protects you in case you are responsible for an accident, covering injury and property damage to others.
- Collision Coverage: Takes care of damage to your vehicle resulting from a collision, regardless of who is at fault.
- Comprehensive Coverage: Offers protection against a range of non-collision incidents, such as theft, fire, and natural disasters.
- Medical Payments: Helps with medical expenses for you and your passengers, regardless of who is at fault.
- Uninsured/Underinsured Motorist Coverage: Ensures you’re covered in case an accident involves a driver who is uninsured or does not have sufficient insurance.
Unique Features
- Instant Accident Forgiveness: Add this policy feature so that your rates won’t go up after an accident — even if it was your fault.
- Deductible Rewards: Add this policy feature to get $100 off your collision deductible the day you sign up, plus receive another $100 off your deductible each year you drive without having an accident — up to $500 total.
- Safe Driving Programs: Get personalized driving feedback that can help you improve your safe driving habits and lower your insurance costs.
- Customizable Deductibles: Choose a deductible that fits your financial situation.
- Roadside Assistance: Get peace of mind with 24/7 support in case of a breakdown or emergency on the road.
- Rental Reimbursement: If your car is in the shop due to a covered accident, we can cover the cost of a rental vehicle.
Tailoring Policies to Individual Needs
- Personalized Assessments: We conduct thorough assessments to understand your specific needs and driving habits.
- Flexible Options: Our policies are flexible, allowing you to adjust coverage as your life changes – whether it’s buying a new car or adding a teen driver to your policy.
- Expert Advice: Our team of knowledgeable agents is always ready to provide expert advice and help you make informed decisions about your auto insurance coverage.
Homeowners Insurance
Protecting your home, your haven, is at the heart of what we do at the Kelly Agency. Our homeowners insurance policies are crafted to provide comprehensive coverage, ensuring that your home and belongings are safeguarded against a wide range of risks.
Coverage Details
- Dwelling Coverage: This is the core of homeowners insurance, covering the physical structure of your home against damage from events like fires, storms, and other perils.
- Personal Property Coverage: Protects the contents of your home, such as furniture, electronics, and clothing, against theft or damage.
- Liability Protection: Offers coverage if someone is injured on your property or if you’re responsible for damage to someone else’s property.
- Additional Living Expenses (ALE): In the event your home is uninhabitable due to a covered loss, ALE covers temporary living costs like hotel bills and meals.
Unique Features
- Customizable Coverage Options: Tailor your policy with coverage options that suit your specific needs, such as higher limits for valuable items or additional protection for unique risks.
- Discounts for Safety Features: Enjoy discounts if your home has safety features like burglar alarms, smoke detectors, and more, reflecting our commitment to safety and prevention.
- Easy Claim Process: With a focus on customer service, we ensure a smooth, transparent, and supportive claims process, helping you get back on your feet quickly.
Tailoring Policies to Individual Needs
- Risk Assessment: We conduct detailed risk assessments to understand the unique aspects of your home and lifestyle, ensuring your coverage aligns perfectly with your needs.
- Flexible Policy Adjustments: Life changes, and so should your insurance. Whether you’re renovating your home or acquiring new valuables, we make it easy to adjust your coverage.
- Personalized Consultations: Our expert agents are always ready to provide personalized advice, helping you understand your coverage options and making informed decisions about your homeowners insurance.
Renters Insurance
Renters insurance is a vital protection for individuals leasing a home or apartment. Recognizing the unique needs of renters, the Kelly Agency provides comprehensive renters insurance policies to safeguard your personal belongings and provide liability coverage.
Coverage Details
- Personal Property Coverage: Protects your belongings such as furniture, electronics, clothing, and other personal items from risks like theft, fire, or vandalism.
- Liability Protection: Offers coverage if you accidentally cause injury to others or damage to their property while they are in your rental unit.
- Additional Living Expenses: Covers the costs of temporary housing if your rental property becomes uninhabitable due to a covered loss.
Unique Features
- Flexible Coverage Limits: Tailor your personal property coverage to the value of your belongings, ensuring you’re not under or over-insured.
- Customizable Deductibles: Choose a deductible that fits your financial situation, balancing coverage needs with affordability.
- Optional Coverages: Enhance your policy with additional protections, such as identity theft coverage or increased limits for high-value items.
Tailoring Policies to Individual Renter Needs
- Personalized Coverage Assessment: Our team works with you to determine the right amount of coverage based on the value of your belongings and your specific living situation.
- Understanding Rental Agreements: We help you understand how your renters insurance interacts with your landlord’s insurance policy, ensuring comprehensive protection.
- Expert Guidance and Support: Our knowledgeable agents provide guidance on selecting the best policy for your needs, ensuring you understand your coverage and feel secure in your rental home.
Life Insurance
Life insurance is a fundamental aspect of planning for your family’s future, and at the Kelly Agency, we’re committed to offering options that cater to your unique life circumstances and goals.
Coverage Details
- Term Life Insurance: Provides coverage for a predetermined period, offering a cost-effective solution for temporary needs. It’s ideal for those looking to cover specific financial responsibilities like a mortgage or children’s education.
- Whole Life Insurance: Offers lifelong coverage with the added benefit of accumulating cash value. This policy is a good fit for those seeking long-term financial security and an investment component.
- Universal Life Insurance: Combines the permanence of whole life with flexible premiums and adjustable benefits. This policy is suitable for those who value flexibility and want to align their coverage with changing life circumstances.
Unique Features
- Guaranteed Premiums: For whole and term life insurance, ensuring your rates remain constant throughout the policy term.
- Cash Value Growth: In whole and universal life policies, offering a savings element that grows over time and can be borrowed against if needed.
- Flexible Premiums and Benefits: Particularly in universal life insurance, allowing you to adjust your coverage and payments to suit your evolving financial situation.
Tailoring Policies to Individual Needs
- Personalized Needs Analysis: Our experts work with you to determine the right type and amount of coverage based on your financial goals and family situation.
- Adjustable Coverage Options: As your life changes, so can your policy. Whether you’re getting married, having a child, or approaching retirement, we can adjust your coverage to fit your life stages.
- Expert Guidance: Our knowledgeable agents are dedicated to helping you navigate the complexities of life insurance, ensuring you make informed decisions that align with your long-term plans.
Business Insurance
At the Kelly Agency, we recognize the unique challenges and risks that small and medium businesses face. That’s why we offer tailored business insurance solutions to protect your company’s assets, employees, and future.
Coverage Details
- Property Insurance: Safeguards your physical assets, including buildings and equipment, against damage or loss.
- Liability Insurance: Protects your business from legal liabilities, covering costs from lawsuits or claims related to your business activities.
- Workers’ Compensation: Provides coverage for employee injuries or illnesses that occur due to their job, ensuring their medical needs and your business’s financial safety.
- Business Interruption Insurance: Assists in covering lost income and expenses if your business is temporarily unable to operate due to a covered incident.
Unique Features
- Professional Liability Insurance: Essential for businesses providing professional services, protecting against claims of negligence or malpractice.
- Cyber Liability Insurance: Protects against risks associated with digital operations, including data breaches and cyber threats.
- Commercial Auto Insurance: Covers vehicles used for business, whether for transporting goods or providing services.
- Product Liability Insurance: Ideal for businesses involved in manufacturing, distributing, or selling products, covering liability for damages caused by their products.
Tailoring Policies to Individual Business Needs
- Customizable Coverage Options: We offer a variety of coverage options that can be tailored to fit your specific business needs and risks.
- Risk Assessment and Management: Our team provides comprehensive risk assessments to identify potential vulnerabilities and recommends appropriate coverage.
- Personalized Consultation and Support: Our knowledgeable agents offer personalized consultations to ensure you understand your options and make informed insurance decisions.
Umbrella Insurance
Umbrella insurance is an essential layer of security that supplements your existing insurance policies. At the Kelly Agency, we offer umbrella insurance to provide additional liability coverage beyond the limits of your standard policies, safeguarding your assets and future.
Coverage Details
- Additional Liability Coverage: Umbrella insurance kicks in where your standard liability limits end, offering extra protection in serious liability cases.
- Broader Coverage: It often includes claims that may be excluded by primary policies, such as false arrest, libel, slander, and liability coverage on rental units you own.
- Worldwide Coverage: Provides liability coverage no matter where you are in the world, offering peace of mind during international travel or business.
Unique Features
- High Coverage Limits: Umbrella insurance policies start where your other policies stop, typically offering coverage in millions, ensuring substantial protection against large claims.
- Cost-Effective Peace of Mind: For a relatively low premium, you gain high limits of additional liability coverage, making it a cost-effective solution for extensive protection.
- Flexibility: Tailor your umbrella policy to complement your existing liability coverage, ensuring a seamless protection plan.
Tailoring Policies to Individual Needs
- Personalized Risk Assessment: We evaluate your individual risk profile to recommend the appropriate level of additional coverage, ensuring you’re neither underinsured nor overpaying.
- Customized Solutions: Whether you have significant assets, engage in activities that increase your liability risk, or simply seek extra peace of mind, we customize your umbrella policy to fit your specific needs.
- Expert Guidance: Our team of experienced agents is dedicated to helping you understand the intricacies of umbrella insurance and how it fits into your overall insurance portfolio.
Flood Insurance
Flood insurance is a specialized form of protection that is crucial for many homeowners, especially those in flood-prone areas. At the Kelly Agency, we offer comprehensive flood insurance policies designed to safeguard your home and belongings from the damaging effects of floods.
Coverage Details
- Building Coverage: Protects the physical structure of your home, including the foundation, electrical and plumbing systems, central air and heating systems, and permanently installed fixtures.
- Contents Coverage: Covers your personal belongings such as furniture, electronics, and clothing against flood damage.
- Temporary Living Expenses: Provides support for additional living expenses if your home is uninhabitable due to flood damage.
Unique Features
- Tailored Coverage Limits: Choose coverage limits that align with your home’s value and your personal risk tolerance.
- Replacement Cost Coverage: Option to cover the cost of replacing your home and belongings without depreciation, subject to policy limits.
- Flood Risk Assessment: Assistance in understanding your property’s flood risk and how best to mitigate it.
Tailoring Policies to Individual Needs
- Customizable Deductibles: Flexibility to select a deductible amount that suits your financial situation.
- Risk Management Advice: Expert guidance on how to reduce your home’s risk of flood damage, potentially lowering your insurance premiums.
- Personalized Service: Our team provides individualized attention, ensuring that your flood insurance policy meets your specific needs and concerns.
Motorcycle Insurance
For the thrill-seekers and the freedom lovers, motorcycle insurance from the Kelly Agency provides the essential protection you need for your ride. Understanding the unique risks associated with motorcycle riding, we offer specialized policies that ensure your peace of mind on the open road.
Coverage Details
- Collision Coverage: Protects your motorcycle in case of an accident, covering damages regardless of who is at fault.
- Liability Coverage: Offers protection against financial loss if you’re responsible for someone else’s injuries or property damage.
- Comprehensive Coverage: Covers non-collision incidents such as theft, vandalism, or damage from natural disasters.
- Uninsured/Underinsured Motorist Coverage: Ensures you’re protected in the event of an accident with a driver who has insufficient or no insurance.
Unique Features
- Customized Policies: Tailor your policy with coverage options that suit your motorcycle type and riding style.
- Safety Gear Coverage: Additional options to cover specialized safety gear like helmets and leathers.
- Roadside Assistance: 24/7 support in case of a breakdown, providing you with assistance wherever your adventures take you.
Tailoring Policies to Individual Needs
- Personalized Assessments: We conduct thorough assessments to understand your specific needs as a motorcycle enthusiast.
- Flexible Coverage Options: Adapt your coverage as your riding habits or motorcycle collection evolves.
- Expert Advice: Our team of knowledgeable agents is always ready to offer expert advice to help you make informed decisions about your motorcycle insurance.
Boat Insurance
Navigating the waters with confidence requires the right insurance. At the Kelly Agency, we offer specialized boat insurance policies that provide comprehensive protection for your aquatic adventures.
Coverage Details
- Hull Insurance: Covers damage to your boat, including the hull, machinery, fittings, furnishings, and permanently attached equipment.
- Liability Coverage: Protects you in case of legal liability for bodily injury or property damage caused by your boat.
- Medical Payments: Offers coverage for medical expenses resulting from boating accidents.
- Uninsured/Underinsured Watercraft: Safeguards you in incidents involving an uninsured or underinsured boater.
Unique Features
- Agreed Value Coverage: In the event of a total loss, receive the agreed value rather than the depreciated value of the boat.
- Personal Effects Coverage: Protects personal items on board, such as fishing gear and safety equipment.
- Emergency Assistance: Covers towing, labor, and delivery of gas or other essential fluids if your boat is disabled on the water.
Tailoring Policies to Individual Needs
- Customizable Coverage Levels: We offer flexible policy options to match the value of your boat and your specific needs.
- Specialized Coverage Options: Tailor your policy with additional protections for unique risks, such as oil spills or wreck removal.
- Expert Guidance: Our knowledgeable agents provide personalized advice to ensure you have the right coverage for your boating lifestyle.
Condo Insurance
Condo insurance from the Kelly Agency is designed to specifically address the unique needs of condominium owners. This type of policy fills the gaps that your condo association’s insurance might leave, ensuring that your personal space and belongings are adequately protected.
Coverage Details
- Personal Property Coverage: Protects your belongings inside the condo, such as furniture, electronics, and personal items, against theft, damage, or loss.
- Interior Structure Coverage: Covers damages to the interior of your condo, including walls, floors, and fixtures, which are not typically covered by the condo association’s policy.
- Liability Protection: Provides coverage in case someone is injured in your condo or you are responsible for damage to someone else’s property.
- Loss Assessment: Offers protection in certain situations where condo owners are financially responsible for a share of damages to the common areas or the overall building.
Unique Features
- Customizable Coverage Limits: Tailor your coverage limits to suit the value of your personal property and the specific needs of your condo.
- Additional Living Expenses: Covers the costs of temporary housing if your condo becomes uninhabitable due to a covered loss.
- Flexible Deductibles: Choose a deductible that aligns with your financial comfort level and insurance needs.
Tailoring Policies to Individual Condo Owner Needs
- Individual Risk Assessment: We assess your specific living situation to recommend the appropriate coverage levels, ensuring that you are neither under nor over-insured.
- Understanding Condo Association Policies: Our agents help you understand what your condo association’s policy covers and where your personal policy needs to fill in.
- Expert Guidance and Support: Our team provides expert advice to help you navigate the complexities of condo insurance, ensuring that your policy complements your lifestyle and provides the protection you need.
Commercial Auto Insurance
For businesses that rely on vehicles for their daily operations, commercial auto insurance is a critical component of risk management. At the Kelly Agency, we offer robust commercial auto insurance policies tailored to meet the specific needs of businesses, ensuring their fleet and drivers are adequately protected.
Coverage Details
- Liability Coverage: Protects your business in the event of an accident causing injury or property damage to others, where your company vehicle is involved.
- Physical Damage Coverage: Covers damages to your business vehicles from collisions, theft, vandalism, and other covered perils.
- Uninsured/Underinsured Motorist Coverage: Offers protection if your business vehicle is involved in an accident with a motorist who has inadequate or no insurance.
- Medical Payments Coverage: Provides coverage for medical expenses for you and your passengers in the event of an accident.
Unique Features
- Fleet Coverage Options: Tailor your policy to cover multiple business vehicles under a single policy, offering simplicity and ease of management.
- Cargo Coverage: Additional coverage for goods or equipment being transported in your business vehicles.
- Non-Owned Vehicle Coverage: Protects your business when employees use their personal vehicles for business purposes.
Tailoring Policies to Individual Business Needs
- Customizable Coverage Limits: Choose coverage limits based on the value of your vehicles and the specific risks your business faces.
- Risk Assessment and Management: Our team conducts thorough risk assessments to understand your business operations and recommend appropriate coverage.
- Expert Advice and Support: Our experienced agents offer personalized consultations to help you understand your options and ensure your commercial auto insurance policy meets your business needs.
Motorhome Insurance
Motorhome insurance is a specialized type of coverage that the Kelly Agency offers to protect your home on the road. Understanding the unique combination of vehicle and home that a motorhome represents, we provide policies tailored to meet the specific needs of motorhome owners.
Coverage Details
- Comprehensive Coverage: Protects against non-collision-related damages to your motorhome, such as theft, vandalism, or natural disasters.
- Collision Coverage: Covers damages to your motorhome resulting from a collision, regardless of who is at fault.
- Liability Coverage: Provides protection if you are responsible for causing injury to others or damage to their property while operating your motorhome.
- Uninsured/Underinsured Motorist Coverage: Ensures you’re covered in the event of an accident with a motorist who lacks sufficient insurance.
Unique Features
- Personal Belongings Coverage: Protects the contents of your motorhome, such as appliances, electronics, and personal items.
- Emergency Expense Coverage: Offers financial assistance for lodging or transportation if your motorhome is damaged or destroyed by a covered event while you’re traveling.
- Roadside Assistance: Provides support in case of a breakdown, including towing and tire changes, ensuring your journey continues smoothly.
Tailoring Policies to Individual Needs
- Customizable Coverage Levels: We offer flexible coverage options, allowing you to choose the level of protection that best fits your motorhome and travel style.
- Expert Risk Assessment: Our team conducts a thorough assessment of your motorhome’s value and your travel habits to recommend the most suitable coverage.
- Personalized Consultations: Our experienced agents provide one-on-one consultations to help you understand your coverage options and make informed decisions about your motorhome insurance.
