PERSONAL INSURANCE FOR HOMES, AUTOS, RENTAL PROPERTIES, VALUABLES, UMBRELLA LIABILITY AND MULTI-STATE HOUSEHOLDS
Personal insurance should be built around the household, not just a quote screen. Kelly Insurance Group helps individuals and families review home insurance, auto insurance, personal umbrella insurance, rental property insurance, valuables coverage, secondary homes, seasonal homes, collector vehicles, trusts, household drivers, travel exposure and multi-state property schedules.
WHAT THIS PAGE SHOULD HELP YOU ORGANIZE
A personal insurance review can involve more than home and auto. The right conversation often includes ownership structure, family drivers, personal liability, scheduled valuables, rental property, property condition, umbrella limits, trusts, LLCs, secondary homes and how documents are managed after coverage is placed.
- Homeowners insurance, condominium insurance and renters coverage
- Auto insurance, family drivers, teen drivers and collector vehicles
- Personal umbrella, excess liability and higher liability limits
- Valuables, jewelry, watches, fine art, collections and inland marine
- Rental property, landlord insurance and non-owner occupied homes
- Private client and multi-state household insurance coordination
HOUSEHOLD RISK METER
The more layers a household has, the more important the review becomes.
THE PERSONAL INSURANCE FILE SHOULD MATCH THE HOUSEHOLD
A simple household may only need a straightforward home and auto review. A more complex household may involve multiple properties, titled assets, trusts, LLCs, teen drivers, adult children, rental units, collector cars, boats, jewelry, watches, domestic workers, public visibility, cyber exposure and personal excess liability.
HOME INSURANCE
Primary homes, custom homes, older homes, renovations, condos, townhomes, seasonal homes, secondary homes and property-specific insurance concerns.
AUTO INSURANCE
Family auto schedules, teen drivers, adult children, business use, hired vehicles, collector vehicles and higher liability limit coordination.
PERSONAL UMBRELLA
Additional liability protection above home, auto, rental property and other scheduled personal exposures, subject to underwriting and policy wording.
VALUABLES
Jewelry, watches, fine art, collectibles, sports memorabilia, comic cards, trading cards, cameras, instruments and scheduled personal property.
RENTAL PROPERTY
Landlord insurance, dwelling fire policies, non-owner occupied homes, loss of rents, tenant-occupied property and liability review.
NATIONAL HOUSEHOLDS
Multiple homes in multiple states, trusts, LLCs, family offices, advisors and customers who need a single agency relationship for coordination.
CLICK THE HOUSEHOLD PROFILE TO SEE WHAT SHOULD BE REVIEWED
Personal insurance changes based on the household profile. Select the situation that looks closest and use the panel to organize the review.
PRIMARY HOME + AUTO
Start with the household’s main property, vehicles, drivers, liability limits, deductibles and any life changes since the last review.
- Current homeowners declarations page
- Current auto declarations page
- Driver list and vehicle list
- Umbrella limit, if applicable
- Recent changes to household, drivers or property
HOMEOWNERS INSURANCE SHOULD BE REVIEWED BY PROPERTY TYPE
Not every home fits the same insurance structure. A custom home, older home, condo, townhome, seasonal home, secondary home, coastal home, vacant home, rental property or home under renovation may require a different review than an ordinary primary residence.
PRIMARY HOMES
Review dwelling limit, replacement cost, roof, updates, water backup, service line, equipment breakdown, deductibles and personal liability.
CONDOS AND TOWNHOMES
Review association bylaws, master policy, interior coverage, loss assessment, improvements, betterments and personal property.
SECONDARY HOMES
Seasonal homes, cabins and second homes may need review around vacancy, distance, protection class, occupancy, rental use and property management.
RENOVATIONS AND BUILDS
Major renovation, new construction, vacancy, builders risk and contractor activity should be reviewed before work begins.
OLDER OR UNIQUE HOMES
Historic homes, flat roofs, specialty materials, custom finishes and older systems may require more underwriting information.
TRUST OR LLC OWNERSHIP
If the home is owned by a trust, LLC or other entity, the policy structure and named insured wording should be reviewed carefully.
AUTO COVERAGE IS ABOUT DRIVERS, USE, LIMITS AND HOUSEHOLD CHANGES
Auto insurance review should go beyond vehicle year, make and model. Driver household, youthful drivers, business use, garaging location, liability limits, medical payments, uninsured and underinsured motorist coverage, accident history and umbrella compatibility can all matter.
FAMILY AUTO SCHEDULES
- Current driver list
- Current vehicle list
- Garaging addresses
- Business use or commuting changes
- Teen drivers and student drivers
COLLECTOR AND SPECIALTY VEHICLES
- Collector cars
- Classic vehicles
- Exotic and sports cars
- Motorcycles and recreational vehicles
- Agreed value or specialty policy review
THE FASTEST REVIEW STARTS WITH CLEAN HOUSEHOLD DOCUMENTS
WHEN PERSONAL INSURANCE BECOMES MORE COMPLEX
Higher-income households, public-facing individuals, executives, founders, business owners and families with multiple properties often need a more coordinated approach. The goal is to reduce gaps between policies, named insureds, ownership structures, property schedules, auto schedules, umbrella limits and advisor expectations.
MULTIPLE PROPERTIES
Primary homes, vacation homes, rental properties, trust-owned properties and properties in multiple states should be coordinated together.
PUBLIC VISIBILITY
Public-facing individuals may need a review of privacy, cyber, personal liability, household staff, event exposure and umbrella limits.
ADVISOR COORDINATION
Attorneys, CPAs, financial advisors, family offices and business managers may need insurance documents aligned with ownership and estate planning.
RELATED KELLY INSURANCE GROUP PAGES
SEND THE HOUSEHOLD CHANGES, POLICY DOCUMENTS OR COVERAGE QUESTIONS.
Use contact or appointment scheduling if you need a personal insurance review for home, auto, umbrella, valuables, rental property, multi-state homes, trust-owned property or a major life change.
CURRENT CUSTOMERS MAY RECEIVE ACCESS TO OUR CUSTOM CLIENT PORTAL.
Most Kelly Insurance Group customers are given access to a custom client portal where policy documents can be accessed and certificates of insurance can be generated.
PERSONAL INSURANCE QUESTIONS
WHAT SHOULD BE REVIEWED DURING A PERSONAL INSURANCE REVIEW?
Home, auto, umbrella, rental property, valuables, ownership structure, drivers, property updates, coverage limits, deductibles and recent life changes should all be reviewed.
DOES A PERSONAL UMBRELLA REPLACE HOME OR AUTO LIABILITY?
No. A personal umbrella usually sits above underlying policies and depends on the underlying coverage, required limits, policy wording and claim facts.
SHOULD JEWELRY AND VALUABLES BE SCHEDULED?
Valuables such as jewelry, watches, art, collectibles and memorabilia should be reviewed because standard homeowners policy limits, causes of loss, deductibles and valuation terms may not be enough.
IS RENTAL PROPERTY INSURANCE DIFFERENT FROM HOMEOWNERS INSURANCE?
Yes. A non-owner occupied rental property, landlord exposure or dwelling fire policy can differ materially from a homeowners policy for an owner-occupied home.
WHEN SHOULD I CONTACT KELLY INSURANCE GROUP?
Contact KIG when buying a home, adding a driver, buying valuables, renting a property, changing ownership to a trust or LLC, renovating, adding a second home or reviewing umbrella limits.
Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, property characteristics, drivers, claims, ownership structure and information provided during the application or quoting process. This page is for general insurance discussion only and does not bind, change or confirm coverage.