State Farm is the largest homeowners insurer in the nation. They insure 22% of all homes in the U.S. They have approved a 12.1% rate increase effective June 1, 2009.

Nationwide is the second largest home insurer (11% of homes in the U.S.). They have also taken a rate increase of 14.7% effective May 24, 2009.

If you have been affected by these rate increases, we're here to help. Our relationships with Travelers, Ohio Casualty, Western Reserve, Westfield, Citizens, Allstate, and Safeco give us incredible leverage for ultra-low prices and excellent service.

Visit our homeowners quote form here.

Important steps for reducing your financial, legal and medical headaches after an accident


You swerve, hit the brakes and hope for the best. But the worst occurs, sending your car careening into danger -- and a lot of damage.

Many drivers have experienced the scenario on the road where they’ve attempted to change lanes believing the coast is clear, only to catch sight of a vehicle in the lane adjacent to them at the last minute. The car seemingly comes out of nowhere, but it probably was just in the driver’s blind spot.

As a policyholder, it is very important that you read your policy contract.

Recently, we here at Kelly Insurance have noticed a deviation from standard ISO policies with Unitrin and Untrin Specialty. They have unique verbiage when it comes to permissive use of your vehicle.

Basically, if you loan your vehicle to someone else, the Unitrin policy will only kick in if that person doesn't have any insurance. The company will still protect you as a named insured but if it is your neighbor or a friend, they don't have any reason to protect that person (they're not paying the bill after all -- you are).

There are a number of companies with similar verbiage. We believe that State Farm, Bristol West, Farmers, Permanent / A1 General, and Grange Passport all use this approach. If this is a concern for you, please bring it up to your agent.

Thank you!

One of our best rates lately for non-standard insurance (i.e. with lapse, tickets, SR22, etc.) has been with Unitrin Specialty Auto. The rates have been so low that the company hasn't been able to keep up with demand.

They are also concerned that the premium collected won't offset the amount of claims. With this in mind, they have asked us to immediately stop quoting. Effective Wednesday, February 25, we have agreed to place this business elsewhere.

If you have a quote pending with Unitrin, please call us immediately to issue it. As of 12:01am on 2/25/2009, the rate will increase because we'll need to place it with another company like Progressive or Dairyland.

Thank you,
Kelly Insurance Agency, Inc.