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Do you have adequate insurance coverage?
You'd be surprised how many people can't answer that simple question.  At
Skelly Insurance Agency, our clients can answer it.  The reason is the
comprehensive reviews we perform with all of our clients.  We analyze your
insurance needs and find the broadest insurance coverage at the best cost.
We follow five steps to guarantee that your insurance needs are met.

1) Identity Exposures- Through the use of surveys, analysis of contracts and leases, visual inspections, and interviews, we identify your exposures to loss.

2) Analyze Current Coverages- We perform an in-depth analysis of the current policy forms, endorsements, deductibles, and exclusions for which you are paying (or not paying).

3) Name Alternatives- By combining the information gathered in the first step and comparing it to the coverage in the second step, we can identify the most effective insurance coverage to tailor it to your needs.

4) Implement Coverage- We approach the insurance marketplace and negotiate on your behalf with various insurance carriers.

5) Monitor the Policy- After the coverage has been put in place and paid for, Skelly Insurance Agency keeps in contact with your throughout the policy year.  As your exposures change, we change your coverages to guarantee that your insurance needs are being met at all times.

Auto

We understand that everyone wants to save money on his or her car insurance. But what you don't want is to be incorrectly covered.  That's why we take the time to explain all 12 parts of the Massachusetts auto insurance policy and offer you all the discounts possible.  We also offer one stop shopping where in most cases we can insure and register your automobile in one easy visit.

Home

Homeowner's insurance is extremely important.  A home is one of the largest investments made in a lifetime.  We feel that you deserve the most comprehensive coverage available.  In order to insure that your home is covered to 100% of its value we analyze every aspect of the home, current building and labor costs, and your personal property needs.  According to a 1998 Marshall & Swift survey of 20,000 homes, it is estimated that 67% of homes built in the U.S. are underinsured by an average of 35%.  Isn't it time you revisited your homeowner's policy?

Condominium

The purchase of a condominium or co-op can be an exciting yet difficult task.  Understanding the type of coverage needed for this new purchase can prove to be even more complicated.  Call on Skelly Insurance to review the insurance section of your condominium documents to provide you with the coverages you need.  We add loss assessment coverage to protect you against 3rd party claims with the condo association.  We offer a wider range of coverage for your personal property by adding extended coverages, guaranteed replacement cost, and special limits on your valuables such as jewelry and fine arts.  We would like to help make the transition to your new condo an easy one.

Renters

Fall signifies great change in New England.  To many college students and renters in and around Boston, it also means moving time.  Whether you're moving in from out of state or changing locations for school, we've got the coverage you need to keep you from being left out in the cold.  We can provide coverage for the most precious of your possessions right down to your everyday items.  When it comes to your personal property, we've got you covered.

Personal Umbrella

The personal umbrella policy is the most affordable piece of mind you can buy.  In today's litigious society you need to protect your assets.  We know what you're thinking- "I don't have any/many assets"- well think again!  If you're not properly covered you could loose current assets or even worse any future earnings.  Did I mention the personal umbrella policy is affordable? You can obtain the most basic $1,000,000 policy for one year at approximately $180.00.  What ever you decide, remember, Skelly Insurance is here to assist you in managing your insurance needs, not just to sell you a policy.

Motorcycles and Pleasure Craft

Don't forget we also insure your motorcycles & pleasure craft including but not limited to: motorcycles, mopeds, snowmobiles, jet skis, boats, and yachts.  While you're out having fun, don't ruin it by worrying whether you're properly covered.