PERSONAL INSURANCE
For homes, autos, umbrella liability, valuables, rental property, private client households, life insurance and household staff — Kelly Insurance Group helps individuals and families review and coordinate personal coverage across all 50 states.
WHAT THIS PAGE HELPS 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, private client coordination and how documents are managed after coverage is placed.
- Homeowners, condo 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
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. Kelly Insurance Group handles both — and everything in between.
HOME INSURANCE
Primary homes, custom homes, condos, townhomes, seasonal homes, secondary homes and property-specific insurance concerns. Coverage should match the property type, ownership structure and how the home is used.
AUTO INSURANCE
Family auto schedules, teen drivers, adult children, business use, hired vehicles, collector vehicles and higher liability limit coordination. Auto is often the first line of liability exposure in a household.
PERSONAL UMBRELLA
Additional liability protection above home, auto, rental property and other scheduled personal exposures. Personal umbrella limits should be reviewed alongside underlying policy structure and household risk profile.
VALUABLES
Jewelry, watches, fine art, collectibles, sports memorabilia, trading cards, cameras, instruments and scheduled personal property. Standard homeowners sublimits are often not enough for high-value items.
RENTAL PROPERTY
Landlord insurance, dwelling fire policies, non-owner occupied homes, loss of rents, tenant-occupied property and liability review. Rental property insurance differs materially from a standard homeowners policy.
PRIVATE CLIENT COORDINATION
Multiple homes in multiple states, trusts, LLCs, family offices, advisors and customers who need a single agency relationship for household coordination, documentation and annual review.
CLICK YOUR 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 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. The ownership structure — individual, trust, or LLC — also affects how the policy should be written.
PRIMARY HOMES
Review dwelling limit, replacement cost, roof, updates, water backup, service line, equipment breakdown, deductibles and personal liability.
CONDOS & TOWNHOMES
Review association bylaws, master policy, interior coverage, loss assessment, improvements, betterments and personal property coverage.
SECONDARY & SEASONAL HOMES
Seasonal homes, cabins and second homes may need review around vacancy, distance, protection class, occupancy, rental use and property management.
RENOVATIONS & NEW BUILDS
Major renovation, new construction, vacancy, builders risk and contractor activity should all be reviewed before work begins to avoid coverage gaps.
OLDER & UNIQUE HOMES
Historic homes, flat roofs, specialty materials, custom finishes and older systems may require more underwriting information and specialty placement.
TRUST OR LLC OWNERSHIP
If the home is owned by a trust, LLC or other entity, the policy structure, named insured wording and additional insured requirements 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 all matter. Collector vehicles, exotic cars, motorcycles, watercraft and personal aircraft often need dedicated specialty review.
FAMILY AUTO SCHEDULES
- Current driver list
- Current vehicle list
- Garaging addresses
- Business use or commuting changes
- Teen drivers and student drivers
- Coverage limits and deductibles
COLLECTOR & SPECIALTY VEHICLES
- Collector and classic vehicles
- Exotic and sports cars
- Motorcycles and recreational vehicles
- Watercraft and boats
- Agreed value or specialty policy review
- Private aviation and aircraft
High-complexity households with multiple properties, titled vehicles, collections, trusts and domestic employees benefit from a coordinated private client insurance review rather than policy-by-policy shopping.
SCHEDULED VALUABLES, COLLECTIONS AND HIGH-VALUE PERSONAL PROPERTY
Standard homeowners policies set sublimits for jewelry, watches, fine art, instruments and collectibles that are often far below replacement value. High-value items and collections should be reviewed for scheduled coverage, proper appraisal, agreed value and off-premises protection — including when items are in transit, at a show, or stored elsewhere.
UMBRELLA, EXCESS LIABILITY AND HOUSEHOLD LIABILITY REVIEW
Personal liability exposure extends beyond the home and auto policy. Rental properties, watercraft, recreational vehicles, domestic employees, events hosted at the home, nonprofit board service, public visibility and business ownership can all create personal liability exposure that a standard homeowners policy does not fully address. A personal umbrella review should account for the full household profile.
PERSONAL CYBER, IDENTITY THEFT AND DIGITAL RISK COVERAGE
Individuals and households face cyber threats including ransomware, account takeover, wire transfer fraud, identity theft and personal data breaches. High-profile individuals, executives, creators and public-facing families may have heightened digital exposure from their online presence, business activity and public visibility.
HOUSEHOLD EMPLOYEES, DOMESTIC STAFF AND TRAVEL COVERAGE
Households with domestic employees — nannies, housekeepers, estate managers, personal assistants, security staff, drivers and groundskeepers — have insurance obligations that extend well beyond a standard homeowners policy, including workers compensation, employment practices liability, fidelity and crime coverage. International and domestic travel exposure should also be reviewed.
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.
SEND THE HOUSEHOLD CHANGES, POLICY DOCUMENTS OR COVERAGE QUESTIONS.
Use contact or appointment scheduling for home, auto, umbrella, valuables, rental property, multi-state homes, trust-owned property or any major life change that requires a coverage review.
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 together. A coordinated review catches gaps that a policy-by-policy approach often misses.
DOES A PERSONAL UMBRELLA REPLACE HOME OR AUTO LIABILITY?
No. A personal umbrella usually sits above underlying policies — it does not replace them. It depends on the underlying coverage being in force, at the required minimum limits, with compatible policy wording. The umbrella responds after underlying limits are exhausted.
SHOULD JEWELRY AND VALUABLES BE SCHEDULED SEPARATELY?
In most cases, yes. Valuables such as jewelry, watches, fine art, collectibles and memorabilia should be reviewed against standard homeowners sublimits, which are often far below replacement value. Scheduling items separately allows agreed value coverage and broader cause-of-loss protection.
IS RENTAL PROPERTY INSURANCE DIFFERENT FROM HOMEOWNERS INSURANCE?
Yes, materially. A non-owner occupied rental property typically requires a landlord policy or dwelling fire form rather than a homeowners policy. Coverage for loss of rents, tenant damage, vacancy and liability for tenants also differs from owner-occupied home coverage.
WHEN SHOULD I CONTACT KELLY INSURANCE GROUP?
Contact KIG when buying a home, adding a driver, purchasing valuables, renting a property, changing ownership to a trust or LLC, renovating, adding a second home, reviewing umbrella limits, hiring household staff, or after any major life change that could affect your insurance program.
DO I NEED SEPARATE COVERAGE FOR MY HOME OFFICE OR STUDIO?
It depends on how the space is used and what equipment is present. A home studio with professional equipment, client visits, business activities or significant inventory may exceed what a standard homeowners policy covers for business-related property and liability. A separate review is recommended.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.