Bene-Kelly Insurance Agency

🌧️ Flood Damage and Water Damage are NOT the same thing.

One of the biggest misconceptions homeowners have is assuming their homeowner’s policy covers all types of water damage. In reality, coverage often depends on where the water came from.

💧 Water Damage (often covered)
✔️ Burst pipes
✔️ Overflowing appliances
✔️ Accidental plumbing leaks

🌊 Flood Damage (typically NOT covered by a standard homeowner’s policy)
✔️ Rising water from heavy rain
✔️ Overflowing rivers or creeks
✔️ Storm surge
✔️ Water entering from outside the home

Many homeowners are surprised to learn that flood coverage usually requires a separate policy.

With severe weather becoming more frequent, now is a great time to review your coverage and make sure you’re protected before a loss occurs.

View the link in our bio for more information!

Have questions about your policy? We’re always happy to help explain your options and identify any coverage gaps.

IndependentAgent RiskManagement BeneKellyInsurance

Please join us in congratulating Cassie Dawson on being named the 2025 New Chamber Member of the Year by the Southwest Area Chamber of Commerce!

We could not be more proud to see her recognized for the impact she has made within the Chamber and local business community in such a short time.

Cassie was nominated by multiple Chamber members and was recognized for meeting and exceeding the award criteria through her involvement, leadership, and commitment to supporting fellow businesses and community initiatives.

From helping launch a Young Professionals group to actively serving on committees and building meaningful relationships throughout the Chamber, Cassie represents the very best of what community involvement and relationship-focused business should look like.

We are incredibly proud to have her representing Bene’-Kelly Insurance and congratulate her on this well-deserved recognition! 🎉

Happy Memorial Day Weekend! ❤️🤍💙

As we honor and remember those who have served our country, please note our upcoming holiday hours:

• Friday: Closing early at 3:00 PM
• Monday: Closed in observance of Memorial Day
• Tuesday: Reopening with normal business hours from 8:00 AM – 4:00 PM

We wish everyone a safe and meaningful holiday weekend!

Why Use an Independent Insurance Broker?! 👏

Because insurance is easy… until it isn’t...

When claims happen, rates increase, underwriting gets difficult, or coverage questions come up — we’re the ones handling the stress, shopping the market, and fighting to protect you! 💼

We do the heavy lifting so you don’t have to!
Anyone can sell a policy... But a broker like us helps you when it actually matters.

Remember... You get what you pay for! 🏡🚗🔥

📞 Call us today! 314-849-2888

🚨 PSA for Our Safeco Clients 🚨

You may start to notice some changes when it comes to your insurance — and we want to keep you in the loop.
Safeco is now operating fully under the Liberty Mutual name.

What does this mean for you?

✔️You may see Liberty Mutual listed on your billing statements or bank/credit card charges.

✔️Emails may now come from Liberty Mutual instead of Safeco

✔️Online accounts and documents may reflect the new branding

Your coverage, policy, and pricing are NOT changing because of this. This is simply a branding transition — the companies have been operating together for years.

We know changes like this can feel confusing, so if you ever have a question or want us to double-check something, we’re always here to help.

As always, thank you for your continued business and support!

Do You Have High-Value Items? You Might Not Be Fully Covered 👀

Most homeowners policies cover personal belongings—but they come with limits...

That means items like:
💍 Jewelry
⌚ Watches
🎨 Art
🎸 Instruments

…may only be covered up to a capped amount—regardless of their true value!

👉 The fix? Schedule them on your policy!

This allows you to insure them for their full value with broader protection.

If you’re not sure what your policy covers, it’s worth a quick review.

📩 Call or email us today for a policy review!

Customers aren’t settling anymore—and they shouldn’t have to.

At Bene’-Kelly Insurance, we make sure you get coverage that actually works for you, not just what’s easy to sell. Better service, smarter options, and real support when it matters most.

Ready for an upgrade? Let’s talk! 💬