Blog
Do You Need Auto Insurance Add‑Ons? Why Accident Forgiveness and Rental Reimbursement Matter
Accident forgiveness and rental reimbursement are often optional add-ons you can consider for your personal auto insurance policy. But do you actually need them? While you aren’t required to add these options, they can be [...]
The Rise of Usage-based Home Insurance: What You Should Know
Smart home technology is revolutionizing how insurance providers assess risk and determine homeowners insurance rates. Devices like smart smoke detectors, water leak sensors, security cameras and thermostats enhance convenience and safety while providing insurers with [...]
How Pets Affect Your Renters Insurance
Pets are beloved members of many households, yet their presence can influence your renters insurance in several ways. Understanding these impacts can help you check you have adequate coverage. Liability Exposure Owning a pet increases [...]
What Happens If You Miss a Life Insurance Payment?
Investing in life insurance can make all the difference for you and your loved ones following tragic losses. As your family attempts to deal with an already difficult situation, a life insurance payout can provide [...]
Peace of Mind for Hospitality Owners: General Liability Coverage Explained
Running a hospitality business, whether a hotel, restaurant or event venue, comes with its unique challenges and risks. One of the most crucial aspects of managing these risks is securing general liability insurance. This coverage [...]
Why You Should Work With a Professional Who Can Tailor Policies
The right insurance policy can make all the difference when facing the financial aftermath of an accident or other unexpected situation. When considering coverage for your home, car, health or business, sufficiently assessing and accurately [...]
Tax Implications of Insurance
Your insurance policies can offer essential financial protection from unexpected events and accidents. However, premiums can represent significant expenses and may also involve complicated tax implications. At Monroe-Kelly Insurance Services Inc, we’re happy to offer [...]
Winter Weather Safety and Workers’ Compensation
Winter weather in California, while generally milder than in many other states, can still pose significant risks to workers, especially those in outdoor or physically demanding jobs. Understanding the importance of winter weather safety and [...]
Using Commercial Vehicles for Personal Use
Commercial vehicles being used for personal use can offer numerous benefits, from cost savings to increased utility. However, it’s essential to be aware of the potential drawbacks and take steps to mitigate them. Some areas [...]
The Benefits of Working With an Independent Insurance Agent
Finding an insurance policy that’s right for you can be challenging. Fortunately, working with an independent insurance agent can make this process significantly easier. Unlike captive agents, independent insurance agents aren’t tied to a single [...]