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All Purpose Insurance.

One Source.

Insurance

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Peace of Mind

Custom coverage, built for what matters.

McColly Insurance Agency, as your advocate, are committed to providing our clients with competitive rates, quality products, award winning customer care and innovative claims service. We offer a broad range of insurance products for personal and commercial needs, along with a wide variety of A rated companies. Our experienced, licensed professionals will research your individual needs, design a customized insurance plan to fit those needs and find the most competitive rates so you have the peace of mind that everything you have worked so hard for in your life is covered.

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Types of Insurance

Homeowner

Homeowners insurance is designed to bring your home and possessions back to the same condition they were in before a loss occurred. It will also cover your liability or legal responsibility for any injuries you or members of your family cause to other people, including injuries caused by the family pets. Your home is your largest and most important investment and each home is unique in its own way, our agents will take the time to determine specific needs and will design a customized program to serve you best.

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Condominium

A common misunderstanding among condo owners is that if the building is covered under the association then they are protected from potential losses. This is incorrect...the Condo Associations cover the property, common areas and the physical structure of the building. Rule of thumb, condo owner is usually responsible for inside walls, their personal property and their own liability. When in doubt, let us at the agency look over the association's by laws so we make sure that the insurance coverage is exactly what you need, again to give you peace of mind that you are covered correctly.

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Flood

A flood is a general and temporary condition where two or more properties are inundated by water or mudflow. Many conditions can result in flood: hurricanes, overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall. A misconception of flood often is back up of water from a broken washing machine or a toilet over flowing, that is not a flood and would be covered under your normal homeowners policy. A flood is usually rising water from outside coming into your home due to large amount of rainfall, then needing the coverage under a Flood Insurance Policy. The Flood Insurance Policy is a separate policy whose coverage depends on several factors most importantly, your Flood Zone rating.

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Rental Property

As a Rental Property owner, you need to be aware that your homeowners insurance policy does not protect your rental property. It must have a policy as a Rental, sometimes known at a Commercial policy. It protects your property (structure), investment from certain types of damage and liability unique to landlords. A Rental Property policy can also prevent a loss of income if your property cannot be rented because of a covered loss. We can review all the options and endorsements with you to find the ones that fit your needs.

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Renters Insurance

More and more you will find today, a requirement from rental agencies and apartment complexes for you to carry Renters Insurance. This is a good thing and feel that every renter should carry Renters Insurance. This is what is going to cover all your personal contents, temporary housing in case of a loss and will act as primary liability protection.

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2nd Home/Seasonal Home

Seasonal/Secondary Homes are great investments, but insuring one is a bit different than insured your primary home. How you insure your second home varies per Insurance Companies. Our licensed agents will be able to help find the right policy for the most competitive price.

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Mobile/Manufactured Home

Manufactured/mobile home insurance is different than your traditional homeowners insurance. It is similar to the homeowners policy, with two major differences. The construction and valuation of the home over time. With this type of home, it usually depreciates or loses value over time, which could cause the insurance rate to change.

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Course of Construction

If you decide to build your own home, many builders will require you to purchase a course of construction or builders risk policy to cover the home while it is under construction. This policy will include covering the construction material if stolen. Once the home is completed it then would change into the normal Homeowners policy as you know it.

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Personal Articles

A standard homeowners policy may not have as much coverage to replace your treasured items, from Jewelry to collectibles. You may need a personal articles policy or add them as schedule items on your homeowners policy. If you have antiques, jewelry, instruments, fine art, stamp/coin collections, silver please make sure to let us know so we can make sure to cover them correctly.

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Personal Umbrella

An umbrella policy protects your existing and future personal assets against the cost of losing a lawsuit due to an accident in your vehicle, recreational vehicle, or home. Unfortunately, one accident can cost millions, this is a way to give you more coverage than what your auto or home policy includes.

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Private Passenger Autos

Auto Insurance is mandatory in most states. It protects you from any financial losses and damages caused by an accident, theft or natural disasters. The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft or other covered events. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life or property damage caused by an accident involving your vehicle.

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Classic/Antique

This type of policy will help you cover the prize possession without killing the bank. With this product you may purchase a policy to cover the classic/antique car that you bring out just for a nice weekend, for the special parade or the car club event. They understand that this vehicle is not used on a daily basis so the cost of coverage is much less than the normal auto policy. Also, you will be able to insure it for the correct value of the vehicle.

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ATV

All-Terrain Vehicle, dirt bikes, dune buggies and snowmobiles are examples of off road vehicles that need coverage on their own. Although laws vary from state to state as to whether or not ATV coverage is required it is still a good idea to purchase it for your own protection as well as those riding.

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Motorhome

Protection for your home away from home. Motorhomes, fifth wheels and campers come in all shapes and sizes. We have the protection you need so your vacation road trip doesn’t take a turn for the worse. Let us review your needs and make sure even your personal contents in the RV are covered.

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Motorcycles

When the weather gets nice, the motorcycles come out. We have coverage for the motorcycles, the riders and the accessories. If you find yourself doing any upgrades or adding chrome or saddlebags to your bike, we will need to know. With most companies, a motorcycle policy will cover a factory built bike, anything extra added needs to have extra coverage. We will also cover scooters and mopeds.

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Boat/Personal Watercrafts

Boat Insurance protects damage to your boat, boating equipment and your liability. It is important to carry insurance on your boat or personal watercraft all year-round. If the boat is stolen or damaged from a storm, there will be coverage. We can insure all types of boats - Yachts, small boats, sailboats, high performance powerboats, houseboats, catamarans and pontoons. Please always explain all the personal items added to the boat and kept in the boat to make sure they are insured correctly.

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Golf Carts

Golf carts are becoming more and more used for more than golf. We see them around retirement communities, gated communities and condo complexes. Many people think that it would be covered under their homeowners policy, this is incorrect. They need a policy also to make sure it is covered correctly especially for injuries caused by the golf cart.

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Trailers/Horse Trailers

Trailers used for personal use may need coverage. The auto policy will extend the liability over to the trailer in case of an accident but the trailer itself would not be covered. So if you are in need to cover the trailer itself, then a policy must be purchased. With a horse trailer, the same goes for it. The auto will extend but if want the trailer covered we must write the policy. If the horse trailer has live in quarters, then it must be written under the RV product.

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Life Insurance

Why should you purchase life insurance? If someone will suffer financially when you die, you need life insurance. Life insurance can help mitigate the negative financial impact on your loved ones in the event of your death. There are many types of products to choose from: Term Life, Whole Life and Universal Life. We can help you find the best product that fits your needs at a price that you can afford. Four top reasons someone needs life insurance is Mortgage protection, Final expenses, College funds for children and Income replacement. Our comprehensive plans have everything you need for peace of mind, today and tomorrow. Let us find the right plan for you and your family today.

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Health Insurance

Health Insurance has changed quite a bit in the last couple of years. Because of these changes the way you shop for health insurance has changed. We offer Individual and Group Health Insurance options. No one ever plans to get sick, but sickness is a fact of life. Check with us for coverage options so we can fit a plan into your budget. We also offer disability insurance.

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Dental and Vision Insurance

We can offer Dental and Vision policies also both individual and group. If you would like a quote, please let us know.

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Medicare

Medicare is a federal health insurance program for those over 65 or for younger individuals with certain disabilities. MEDICARE SUPPLEMENTAL INSURANCE is a standardized private insurance policy available to Medicare beneficiaries that covers the gaps in Original Medicare. It helps pay for Medicare Part A & B deductibles, co-payments, and co-insurance. Some policies also include coverage for certain health services not covered by Medicare. In most states, there are 10 standardized plan options. Plan F is the most popular option and is the only one that includes all 9 medigap benefits.

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General Liability

General Liability protects your business assets when it is sued for either injury or property damage, regardless if your business is responsible or not.

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Commercial Property

Commercial Property coverage insures your property, inventory and assets against loss or damage caused by fire, theft, accident or other means of unforeseen damage and property loss.

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Commercial Auto

A Commercial Auto policy covers employees operating any covered business vehicles that results in an at-fault collision that injures another person or damages their property. It can also provide coverage for medical and related expenses caused by injuries from a collision.

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Commercial Umbrella

Commercial Umbrella coverage provides critical financial protection over and above the liability limits of the standard commercial policies. It is a supplement to commercial general liability.

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Professional Liability

Also known as Errors and Omissions Insurance, Professional Liability Insurance protects your company from claims or litigation if your client or customer holds you responsible for errors caused by professional negligence or failure to perform your professional duties. Coverage includes legal defense costs.

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Employment Practices Liability Insurance (EPLI)

EPLI protects businesses against claims by employees that their legal rights have been violated. This type of coverage is of growing importance in today's business environment and covers the following areas: Breach of Employment contract, Discrimination, Sexual harassment, Wrongful discipline, wrongful termination to name a few.

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Workers Compensation

Specifically designed to provide medical benefits and in some cases, financial payments to employees who have suffered work related injuries or illness, Workers Compensation is mostly required when a business has one employee or more.

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Farm/Ranch

Farming or Ranching is more than what you do, it is who you are! Up early and work until all the chores are done. Do you run a business, or is it for pleasure, do you have farm animals or pleasure animals, raise crops, board horses? We have coverage for any and all, let us customize a package that will fit all your needs.

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Carriers

We have carefully selected the companies we represent for their rates, their portfolio of products, and their responsiveness to claims. It is important to us that our carriers provide not only competitive pricing and a broad range of coverages, but 24 hour customer service. We are always watching for new companies to add to our portfolio, we just insist they meet our criteria and provide the same level of service we would. Listed below are many of our companies and we have access to many more....

safeco insurance logo
Nationwide insurance logo
Travelers insurance logo
Progressive insurance logo
The General Insurance logo
Dairyland Insurance logo
J.C. Taylor Insurance logo
Hagerty Car Insurance logo
VacantExpress.com logo
Appalachian Underwriters Inc logo
Safehold company logo
Foremost Insurance Group logo
FEMA logo
American Modern company logo
allrisks company logo
John Hancock comapny logo
MetLife Company logo
Principal company logo
Prudential Comapny logo
Protective company logo
Voya company logo
Anthem Blue Cross Blue Shield logo
Aetna company logo
Cigna comapny logo

Why Choose Us?

We provide an unparalleled Customer Experience

McColly Insurance Agency is committed to providing quality products for individuals and business. It is our goal to provide an unparalleled customer experience regardless of what your specific insurance need is. Our trusted insurance professionals are here to help you with every step of the insurance process and can design a personal or commercial insurance policy to fit your needs. With McColly Insurance, our friendly staff will work with you on a one-on- one basis to develop not only the perfect policy, but a lasting relationship.

Offering:

- Personalized customer Service (24/7)

- Customized plans to fit your needs

- We’ll find and compare the best rates

- Insurance quotes done quickly

- Mobility, we will come to you at your home or office if needed.

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Peace of Mind

Rest easy, we have you covered.

Our Mission is to provide an exceptional customer experience through honesty, integrity, professionalism and by designing a customized insurance plan to fit your needs and comparing our major insurance carriers to find you the most competitive rate and coverages. Contact us to today.