Here we are - Friday, April 30, 2010. The last day of the month, with many Spring events happening in our beautiful Whatcom County this weekend. A drive around the surrounding area reveals quite a display of flowering shrubs, blooming flowers, green, green lawns - I agree with the previous "post" or two - it is a "gift" to live here. We here at Kelley Insurance Agency are very much aware of our many blessings; we are grateful for the continued opportunity to serve the insurance needs of our customers, and look forward to the opportunity to help new customers, especially the newcomers arriving here in Whatcom County - to you, welcome! Give us a call. We offer a wide variety of insurance and financial products at the most affordable pricing in the marketplace today - we're here for you! Enjoy Spring!

Today is a gift, that is why it is called the “Present”.

One of the most important reasons to buy life insurance is to provide your family with financial security tomorrow. Would you as the surviving spouse be able to pay the mortgage or rent? What about the monthly utilities, day care and groceries. Even a policy with as little as $10,000 would cover "final Expenses"

It’s something you don’t want to talk about or feel it is necessary because you are young. Actually it’s the best time. Term life is inexpensive, especially if you are young and healthy. It lasts through the term and amount of coverage you choose, up to 30 years (depending on your age & health).

Give us a call– it takes a couple of minutes of your life today.

Personal Umbrella Protection

This is another policy available which provides an additional layer of protection over and above your underlying Homeowner and/or auto policies.

Also, several carriers will now include this "excess" protection against under-insured motorist coverage in their Personal Umbrella form.

If you are a Business Owner, you would need a Commercial Umbrella or Excess Policy.

Give us a call for a free quote and complete coverage review.

Why do people by umbrellas?

A commuter walked past a store every day with a sign in the window: Umbrellas—$3.00. One very rainy day this commuter discovered she had left her umbrella at home, so she stepped into that store. She was surprised to learn that the store was out of umbrellas. The moral of this story is that it is best to buy an umbrella before it is needed. Afterwards, it is too late.
People who expect never to have an accident make sure their cars have airbags. People who do not expect to have a fire buy fire extinguishers and smoke detectors. If this makes sense, it also makes sense for the people who do not expect a large liability claim to buy umbrella insurance.

Anybody developing a financial plan is concerned with building and/or preserving his or her financial assets. Liability insurance is a very important tool in protecting one’s assets. The high limits available in a personal umbrella policy help ensure that a lifetime of savings will not be lost through a moment of carelessness that results in a liability claim.

Be prepared. Call us today 966-3732.

What about your Protection?

What about you?


Liability is protection for accidents you, a family member or authorized driver is responsible for.
Underinsured motorist pays for medical expense, lost wages and other damages when you, a family member, passenger of your car or an authorized driver are injured in an accident caused by a driver who does not have enough insurance, or none at all. This is another reason you should consider increasing your limits, the maximum limit you can have is equal to your liability limits.


Auto Insurance is primary over Medical Insurance. The auto liability payments do not have limitations on what doctors you see or how much therapy or rehabilitation will be paid for. Medical Insurance is a contract and it dictates how, when and what treatments and limits will be paid.

PIP (personal injury protection) with limits of $10,000 or $35,000 is available. This coverage to cover you or your passengers injured is an auto accident. This protection is for at-fault or not at-fault accidents.
Some of the expenses this coverage will pay for are medical expenses, income continuation, household services and funeral expenses. This coverage pays out first.

Call or stop by if you have questions on how to better protect yourself and your family.

How Much Insurance is Enough?

Most people purchase auto insurance because is it the law and because they want protection for their family and personal assets.

Washington Auto Insurance Requirements are:

$25,000 for bodily injury expenses, per person
$50,000 for combined bodily injury expenses (maximum)
$10,000 for damage to another person’s property

Liability pays for bodily injury and property damage the at-fault driver causes. When the claim exceeds your policy limits, you are responsible for paying “out of pocket” the amount left unpaid after the insurance company settles the claim.

For a relatively small premium you can increase your limit of protection. The next liability level is $50,000 per person/$100,000 per accident. Also available are “Combined” limits starting at $100,000. Combined single limit policies do not dictate a limit per person.
With the increased costs of Hospital and Medical care, you should consider increasing your current liability limits. Give us a call for an increased limit quote and policy review today!

Mount Baker High School Mock DUI Exercise

Hello Friends at Kelley Insurance Agency,
Forgive me for the skipped blog day yesterday... WE were preoccupied with two delta grade emergency responses for Whatcom County Fire District #1 in the afternoon, morning meetings left no time for blogging...
So we are Back... Yesterday I had a great Phone conversation with Mount Baker High School Principal King... who filled me in on the overall outcome of the two day exercise... Ending with the Trial of the Drunken Driver. Unfortunately I was unable to attend... With Mr. Kings undaunting enthusiasm and informative phone call I feel like we really made a difference educating our next generation of drivers. Today They all understand why we need to consistently make good choices and while making choices we need to have the fore thought to recognize the consequences. The Driver received the Maximum Sentence Plus the Maximum Fines... Carried with him for the rest of his life.
Think about how lucky we are to be here on "Earth Day 2010" Alive.
Thanks A Million
Tony Kelley CIC
President of Kelley Insurance Agency and Financial Services.
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