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by editor on Oct 24, 2016 under General

Boat Insurance Coverages

by admin on Jun 27, 2016 under General

Its Boating Season!

If you are looking to insure a new boat keep the following coverages in mind.

Standard boat Coverage insurance 

Bodily injury & property damage liability

uninsured/underinsured boater

comprehensive & collision

Medical payments

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Bike to Work and School Day

by editor on May 18, 2016 under General

Bike to Work and School Day is Friday, May 20th, 2016.  

Bicycling is fun - but it's also great transportation!  Whatcom County celebrates Bike to Work & School Day this coming Friday.  Thousands of people will be out on the road and trails on their bicycles.

There is a celebration station at the Nooksack Valley Middle School from 7:00am to 9:00am.  The station will be on the lawn in front of the school by the main entry doors.  For more information on other station locations you may visit 

 Get your bike out, pump up the tires and enjoy the comaraderie.  Be safe out there!

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Protect your Identity

by editor on Apr 28, 2016 under General

We're here to help you protect your identity. Here are some tips to follow:

  • Reduce your mail.- The less mail you receive containing personal details, the better.  Control the type of mail you receive through mail opt-out services.  
  • Don't overshare. - Not every entity that asks for your (or your child's) SSN really needs it, including airlines, drugstores, and doctor or dentist forms.  Take a moment to consider before automatically jotting it down.
  • Tidy up at home. - Tax returns, credit cards you use infrequently, checkbooks, passports, birth certificates - these documents should all be stored under lock and key. 
According to the IRS, identity theft occurs at higher rates during tax season.  Protect yourself! 

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Car Insurance Coverage

by editor on Mar 17, 2016 under General

Car Insurance Coverage

There are six distinct coverages in an Auto Policy

1) Bodily Injury Liability - This pays the medical and other expenses of those people injuried or even killed in accidents you cause. This is required by most states, ususally with a minimum limit.

2) Property Damage Liability- This covers the damage your car causes to property. Usually, that's the other car or cars involved in the accident, but it also covers damage you do to any object you hit; garages, buildings, lampposts, fences, whatever. This is also required in most states.

3) Uninsured/Underinsured Motorist  - This pays for injuries to you and, in some policies, damage to your car if you are hit by a driver who doesn't have insurance - or by someone who doesn't have enough insurance to cover your losses.   

4) Medical Payments/ Personal Injury Protection (PIP) - This pays medical, and even funeral expenses for you as well as members of your family and passengers in your car if it is involved in a collision, regardless of who caused the accident.  It also covers you as a pedestrian if a vehicle hits you.

5) Comprehensive - This covers damages to your car resulting from something other than a collision with another vehicle.  For example, damage caused by fire, theft, vandalism, or if a deer/animal hits you, or a wind-blown tree hitting your car. It also includes coverage for windshields.   

6) Collision - This is for damage done to your car when it collides with other vehicles ( your fault) or other objects (again, your fault).

There are even more coverages available...

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Scheduled Personal Property Insurance

by editor on Mar 2, 2016 under General

What's the point of having nice things if you have to worry about losing them? Protect the worth of your cherished items by adding a scheduled personal property endorsement to your homeowners policy.

Protect the things that matter to you:                                            



- Antiques

- Collections

- Musical Instruments

- Silverware

- Hearing Aids

- Etc.                                                                                           

If there is damage to your covered items ...

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5 Ways to Avoid Parking Lot Fender Benders

by editor on Jan 14, 2016 under General

Parking Lots - we love the convenience but hate the frustrations, especially when people are driving to fast, backing out of spots without looking and otherwise modeling bad parking lot behavior.  

That behavior just so happens to be the cause of many a door ding and irritated driver.  Even worse, careless behavior can cause a collision or injury.  So, Let's all slow down and follow these five tips to make parking lots safer for everyone:

Don't Speed  - Speeding decreases the amount of time you have to react when a child runs out in front of you, another driver stops suddenly or a car begins backing out unexpectedly.  Is a collision - or even a fatality - really worth the price of getting to your destination just a bit sooner?

Use Your Eyes - and Mirrors and Cameras - Keep a lookout for perils at all times, even if the lot seems empty.  When you're pulling into a spot, whatch for doors being opened.  When backing out, look all around, in yoiur mirrors and in your rear-view camera and proceed slowly.  

Give Yourself - and Others - Some Space - Parking in between the lines and in a spot sized for your vehicle may help to minimize dings and scratches.  Better yet, park in a less-crowded area and enjoy the stroll into the store - just don't park where you feel unsafe.  And, always park away from stray carts. 

Expect the Unexpected - Assume things will happen.  That someone will dart out in front of you, that a cart will come rolling toward you, that someone backing out of his/her spot won't see you backing out of yours.  When you're on guard, you're better prepared for those who aren't. 

Be Respectful - A little kindness goes a long way in a parking lot or parking garage.  So stop for pedestrians, don't cause traffic jams waiting for a spot and, above all, don't lose your cool. 

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Summers mean backyard grilling – safely!

by ben on Jul 11, 2013 under General

Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family.

Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.

There’s good news, though: You can prevent grilling accidents by taking some simple precautions. The tips below can help ensure you cook only your burgers — and not your house — the next time you fire up the grill.


Your grill, whether gas or charcoal, should be on a level surface outdoors, away from anything that could be ignited by flames (bushes, fences, etc.).

NEVER use a grill indoors. Odorless carbon monoxide fumes could kill you.

Keep your grill clean and well-maintained. Check parts regularly to determine if replacements are needed.

Never leave a hot grill unattended or let children play near it.



Do not add lighter fluid directly to hot coals. The flame could travel up the stream of fluid and burn you.

Never use gasoline or kerosene to light a charcoal fire.

Use flame-retardant mitts and long-handled barbecue tongs, as coals can reach up to 1,000 degrees.

To dispose of coals, allow the ashes to cool for at least 48 hours before disposal in a non-combustible container. If you cannot wait 48 hours, carefully place coals individually in a can of sand or bucket of water.


From the National Fire Protection Association

Check your grill’s hoses for leaks before using it for the first time each year. Apply a light soap and water solution to the hose. A propane leak will release bubbles. If you have a leak, and it will not stop after the grill and gas is turned off, call the fire department. If the leak stops when the grill and gas are turned off, have your grill serviced by a professional.

If you smell gas while cooking, immediately get away from the grill and call the fire department. Do not move the grill.

Do not keep a filled propane tank in a hot car or trunk. When getting containers refilled, make that your last stop before going home.

Store propane tanks in an upright position, and never indoors.

From all of us at the Kelley Insurance Protection Team, happy grilling, and stay safe this summer!

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Rental vs Renters

by editor on Feb 15, 2013 under General

Major differences between rental and renters insurance

The housing market has changed greatly in the past few years, with many home owners becoming novice landlords by renting out a home they can't sell.  That changes their insurance needs.

A home now as a rental vs.   A renters insurance purchased by the tenant

See the coverage comparison...


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Cyber Risk

by editor on Jan 16, 2013 under General

Almost all businesses that keep data and uses the internet to conduct business has an exposure.  Here are a few examples:

  • Network Security: Establishments that are connected to the internet have a huge exposure - unauthorized access may result in the dissemination of personal information or the transmission of a virus.
  • Lost or stolen Laptop or Hard Drive:...

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Renters Insurance

by editor on Aug 9, 2012 under General

Renters Insurance is important.

Did you know that nearly 60% of renters don't have a renters insurance policy?  If you rent a house, apartment, or condo, your landlord is not responsible for your personal possessions, liability, nor your additional living expenses.  The only way to protect yourself financially against disasters is to buy a renters policy.  Still not convinced?  Lets take a look...

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Motorcycle Theft Prevention

by editor on Jul 25, 2012 under General

Discourage motorcycle theft! 

Summer is motorcycle riding season, especially on those older, winding roads in the country.  However it is also bike theft season.  Less than 30 precent of stolen motorcycles are ever recovered.  Here are 5 tips to help you prevent that.

1) Lock it up

2) Park where it can be seen

3) Choose where to park the trailer

4) Keep important documents

5) Take photos

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Collector Car Appreciation Day

by editor on Jul 11, 2012 under General

Did you know there is a National Collector Car Appreciation day?    Get behind the Wheel this friday, July, 13th, and drive your pride and joy to work!  Car Clubs are encouraging... 


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Celebrating Flag Day

by editor on Jun 14, 2012 under General


The Fourth of July was traditionally celebrated as America's birthday, but the idea of an annual day specifically celebrating the Flag is believed to have first originated in 1885.  June 14th became the offical adoption of The Stars and Stripes as "Flag Birthday", or "Flag Day."

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Saving Choices

by editor on Jun 12, 2012 under General

In today's unsettled economy, many people are looking for ways to stretch their money - but sometimes this includes altering insurance coverages to dangerouly low levels or eliminating coverage entirely.  If you're thinking about changing your coverage to save money...


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Customer Appreciation Day

by editor on May 3, 2012 under General

You're Invited to our Customer Appreciation Day! It's tomorrow, Friday, May 4th!


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Administrative Assistance Day

by editor on Apr 25, 2012 under General

Happy Administrative Assistance Day!  Remember to thank those workers that help you out!  


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by editor on Apr 18, 2012 under General

Did you see the size of the new Cabela's Grand opening annoucement in the paper this morning?  Talk about the world's foremost outfitter.


They have some great specials for the next 5 days.  If you do purchase an item of great value let us know.

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Relay For Life

by editor on Mar 16, 2012 under General

Kelley Insurance team participating in relay for life.

We are making a difference by teaming up to participate in the American Cancer Society's Relay For Life.  Please join our team or make a donation.  The impact we can make together is much greater than what any of us could do alone!

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Identity Recovery Coverage

by editor on Mar 16, 2012 under General

Do you have Idenity Theft Coverage?

Identity theft recovery assistance is an increasingly important coverage.  Check out what this coverage can consist of if you add it to your home insurance policy.

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