Kelly Klee Home Insurance Review


Rating: 9 / 10 (Excellent)
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How is Kelly Klee rated?
9/10
Company Reputation
9/10
Customer Experience
7/10
Discounts
9/10
Online Presence
10/10
Customer Service

Based in Aspen, Colorado, Kelly Klee is an online insurance broker that caters toward higher net worth individuals in the US. Along with "high value" home and seasonal residence coverage, the company also provides coverage for such items as luxury and vintage automobiles, private aircraft and watercraft, fine art or wine collections, jewelry, etc. Kelly Klee is staffed by professional agents who can provide policies from all the top carriers who specialize in affluent customers. Some companies include Chubb, Hagerty, and Nationwide Private Client.

Kelly Klee has experience in the particular ins and outs of insuring higher value homes and their contents, ensuring homeowners of these properties are not underinsured and at financial risk. The company also features comprehensive policy add ons like earthquake insurance that are usually not available from standard carriers. What's more, Kelly Klee can build features into policies for uncommon scenarios like identity fraud, needing ransom money for kidnapping, and home alterations that may be needed in the event of disability. 

Kelly Klee only offers coverage with comprehensive bundled packages. So if you are looking for just straight home owners insurance you'll have to look elsewhere.

Home Insurance Products Offered

Kelly Klee offers home insurance in conjunction with other policies so customers can insure all of their valuable assets at once. When it comes specifically to the home owners component, the company provides the following products in addition to basic property protection:

Full Replacement Cost - Will rebuild entire home even if cost is greater than the policy limit.
Home Contents - Full replacement cost for all home contents
Unlimited Loss of Use - All additional costs associated with not being able to occupy the structure
Deductible Waiver - On losses greater than $50,000
Green Updates - Will replace damaged property with comparable eco-friendly alternatives
Landscaping Coverage - Replaces trees, shrubs, lawns, etc.
Flexible Limits - Increase or decrease your limits if circumstances change

Extras

At additional cost, Kelly Klee can build specialty coverage into your policy should your situation call for it. Some of these extras include:

  • Flood Insurance
  • Earthquake Insurance
  • Builder's Risk Insurance - This coverage protects buildings as they are being renovated or constructed

Financial Strength Ratings

Kelly Klee partners with all the best and strongest financial institutions i order to provide sufficient coverage for wealthier Americans. Companies such as AIG and Chubb have rock solid financial ratings, long histories, and great outlooks in terms of claims paying ability.

AIG Non-Life Financial Strength

A.M. Best

A

S&P

A+

Moody's

A2

Fitch

A

Application Process

Kelly Klee has streamlined the application process which is usually quite lengthy, as higher net worth families experience difficulty finding appropriate policies through the traditional online portals. As mentioned before, you must be attempting to bundle coverage for other items along with your home. To begin the process you will need to produce the following information:

  • Number of homes you own or rent
  • Number of drivers in household
  • Number of vehicles owned or leased
  • At fault accidents in last 3 years
  • DUIs in last 10 years
  • RVs, motorcycles, etc. you own or lease
  • Watercraft you own or lease
  • Value of assets
  • Estimated net worth
  • Credit score

You will then be prompted to create an account to move forward with the process.

Home Insurance with Kelly Klee

Kelly Klee clearly provides generous and comprehensive coverage, but within a very narrow sector of the community. If you should find yourself in need of comprehensive coverage of multiple high value assets, including your home(s), vehicle(s), art collection, etc., the company is an ideal partner for you. 

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