Company Spotlight

Year after year, dozens of Kelly Insurance customers learn the importance of having water backup of sewers, sump pump, and drains coverage added to their policy.  Some learn the hard way that it is a good idea to 'buy back' this water protection from their company.  After all it is an optional coverage that is usually available to Kelly Insurance customers on their homeowners insurance.  To find out more, we highly recommend that you have a conversation with your agent.

But even when a water backup claim is covered, the mess, extreme inconvenience, and inevitable out of pocket expenses can hopefully be avoided.  By exercises a few precautionary tasks, you can dramatically reduce your exposure to this tragic occurence:

In light of the current economy, many customers are now looking to try to save every penny possible.  Here at Kelly Insurance, we understand and respect that entirely.  But when sacrificing coverage to save a few dollars monthly, please consider your decisions carefully and listen closely to the advice of your professional agent...

As you are probably aware, Ohio requires that you carry a minimum limit of auto insurance to stay legal to drive.  They require it for your own protection -- without insurance, you would have to pay for damages in an accident out of your pocket.  In fact (and this is an incredibly interesting statistic), the total cost of accidents averaged out to $1,051 per person in 2009!

Now, that's an average per driver.  The average accident costs much more than that.  In fact, many accidents cost upwards of $30,000 -- sometimes hundreds of thousands!  Can you afford to pay the difference out of your pocket?  Wouldn't it be easier to spend a few dollars monthly for a much higher limit?

Read more for compelling reasons to keep your limits as far from 'minimum' as possible...

It's important for you to keep an inventory of your belongings.  This day in age, we all just have a lot of 'stuff' ranging from mp3 players to flat panel televisions.  And maintaining an inventory of all your stuff might prove very valuable if ever you have a homeowners' claim.

Simplify the process!  Sure, creating a catalog of everything you own could take forever.  Thankfully, the Insurance Information Institute has put together an online tool that will make it a breeze!

The Know Your Stuff tool helps you enter items by room and upload photos or scanned receipts. Once the information is in the system, items can be sorted by price, date of purchase or type (silverware, major appliances, etc.). You can even customize your own categories.

Once completed or updated, the Know Your Stuff report also can be printed, saved on a computer, e-mailed or burned on a CD.

The site has an informative video about the Know Your Stuff tool, giving you a quick look at the process and the importance of doing a home inventory!