Kiley & O'Toole Insurance Agency

Kiley & O'Toole Insurance Agency Insurance Agents for your Home, Auto, Condo, & Boat with local offices South Boston and Weymouth

Auto & Home Insurance Agents with offices in South Boston & Weymouth,MA

Not all water damage is treated the same in insurance policies.A common issue homeowners face is water backup from drain...
04/13/2026

Not all water damage is treated the same in insurance policies.

A common issue homeowners face is water backup from drains, sump pumps, or sewer lines — and this type of damage is often not automatically included in standard policies.

Water backup coverage can help protect your home from damage caused by:

• Sewer backups
• Sump pump failures
• Drain overflows

These events can lead to costly repairs, especially in finished basements.

KO Insure can help review your policy and determine whether adding this coverage makes sense for your home.

Get a quote:
https://www.koinsure.com/request-a-quote/

If your home becomes unlivable due to a covered loss, where do you stay while repairs are being made?This is where Loss ...
04/06/2026

If your home becomes unlivable due to a covered loss, where do you stay while repairs are being made?

This is where Loss of Use coverage (also called Additional Living Expenses) becomes important.

It may help cover costs like:

• Temporary housing
• Hotel stays
• Rental homes or apartments
• Increased food and living expenses

Repairs after major damage can take weeks or even months, so having the right coverage can make a difficult situation much easier to manage.

KO Insure can walk you through your coverage to make sure you're protected if the unexpected happens.

Get a quote:
https://www.koinsure.com/request-a-quote/

Did you know many homeowners insurance policies have limits on jewelry and valuables coverage?Items like engagement ring...
03/31/2026

Did you know many homeowners insurance policies have limits on jewelry and valuables coverage?

Items like engagement rings, watches, artwork, or collectibles may only be covered up to a certain amount under a standard policy.

That’s why it’s important to keep a detailed inventory of valuable items, including:

• Photos
• Appraisals
• Purchase receipts
• Serial numbers where applicable

In some cases, adding a scheduled personal property endorsement can provide broader protection and higher coverage limits.

KO Insure can help review your valuables coverage and make sure important items are properly protected.

Get a quote:
https://www.koinsure.com/request-a-quote/

One of the most common misunderstandings in home insurance:Standard homeowners insurance does NOT cover flood damage.Flo...
03/23/2026

One of the most common misunderstandings in home insurance:

Standard homeowners insurance does NOT cover flood damage.

Flooding from heavy rain, coastal storm surge, or overflowing rivers requires separate flood insurance coverage.

Even homes outside designated flood zones can experience flooding from:

• Severe rainstorms
• Snowmelt
• Storm runoff
• Blocked drainage systems

In fact, many flood claims occur in areas considered “low risk.”

If you’re unsure whether your property has flood coverage, KO Insure can help review your policy and explain your options.

Get a quote:
https://www.koinsure.com/request-a-quote/

Many homeowners are surprised to learn that after a major loss, rebuilding doesn’t always mean replacing things exactly ...
03/16/2026

Many homeowners are surprised to learn that after a major loss, rebuilding doesn’t always mean replacing things exactly as they were.

Local building codes change over time. If your home is damaged and must be repaired or rebuilt, you may be required to upgrade certain parts of the property to meet current codes — which can add unexpected costs.

That’s where Ordinance or Law coverage comes in. It helps cover the additional expenses required to bring your home up to current building standards after a covered loss.

Examples can include:
• Electrical upgrades
• Updated wiring or plumbing
• Structural changes required by new codes

Without this coverage, those costs could come out of pocket.

KO Insure can help review your policy to make sure your home is protected from surprises like this.

Get a quote: Many homeowners are surprised to learn that after a major loss, rebuilding doesn’t always mean replacing things exactly as they were.

Local building codes change over time. If your home is damaged and must be repaired or rebuilt, you may be required to upgrade certain parts of the property to meet current codes — which can add unexpected costs.

That’s where Ordinance or Law coverage comes in. It helps cover the additional expenses required to bring your home up to current building standards after a covered loss.

Examples can include:
• Electrical upgrades
• Updated wiring or plumbing
• Structural changes required by new codes

Without this coverage, those costs could come out of pocket.

KO Insure can help review your policy to make sure your home is protected from surprises like this.

Get a quote: https://www.koinsure.com/request-a-quote/



Cyber Monday is here, which means big deals — and bigger risks if you’re not careful online. Safety Insurance shared a f...
11/27/2025

Cyber Monday is here, which means big deals — and bigger risks if you’re not careful online. Safety Insurance shared a few smart tips to help protect your personal data while you shop:

Use secure websites (“https”) and avoid public Wi-Fi

Pay with credit cards for better fraud protection

Enable multi-factor authentication

Monitor your accounts for suspicious activity

Safety offers Fraud Expense Coverage and Home Cyber Protection to help keep you covered during the busiest shopping season.

If you want to make sure your home or identity protection is up to date, KO Insure can walk you through your options and provide a quick quote. Shop smart, shop safe.

Get a quote: https://www.koinsure.com/request-a-quote/

Black Friday is all about saving — and that includes making sure you’re protected. We’re sharing these safety tips from ...
11/26/2025

Black Friday is all about saving — and that includes making sure you’re protected. We’re sharing these safety tips from Safety Insurance to help keep your shopping trip smooth and stress-free.

If you’re looking to save on coverage too, KO Insure can help you compare options and find the right fit. Grab a quick quote anytime.

Get a quote here: https://www.koinsure.com/request-a-quote/

Small businesses are the heart of our communities, and we’re proud to support the people who keep them running. Safety I...
11/24/2025

Small businesses are the heart of our communities, and we’re proud to support the people who keep them running. Safety Insurance offers specialized coverages like the Businessowners Enhancement Plus to help protect restaurants, contractors, retailers, and more.

If you want to make sure your business has the right protection in place, KO Insure can walk you through your options and provide a quick quote. Let’s build something great together.

Get a quote: https://www.koinsure.com/request-a-quote/

Not all AI tools are real — and scammers know it. Safety Insurance is reminding users to watch out for fake AI websites ...
11/18/2025

Not all AI tools are real — and scammers know it. Safety Insurance is reminding users to watch out for fake AI websites designed to steal your info or install malware. Always double-check URLs and stick to trusted sources.

While you’re making sure your online life is protected, KO Insure can help you make sure everything else is protected too. If you're curious how your current coverage stacks up, we can run a quick quote and compare options for you.

Get a quote here:https://www.koinsure.com/request-a-quote/

AI tools make life easier, but they can also make it easier for scammers. Safety Insurance is warning that AI-powered br...
11/13/2025

AI tools make life easier, but they can also make it easier for scammers. Safety Insurance is warning that AI-powered browsers can autofill your personal info on fake sites — so always double-check URLs and turn off autofill on sensitive platforms.

At KO Insure, we help protect more than just your devices. If you want to make sure your coverage is keeping up in an AI-driven world, we can run a quick quote and compare options for you.

Get a quote: https://www.koinsure.com/request-a-quote/

Your refrigerator is your first line of defense against foodborne illness. Make sure your fridge and freezer are at prop...
11/04/2025

Your refrigerator is your first line of defense against foodborne illness. Make sure your fridge and freezer are at proper temperatures and regularly check door seals and gaskets to keep cold air in and bacteria out!

https://www.koinsure.com/request-a-quote/

Address

138 Old Colony Avenue
Boston, MA
02127

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+16172681566

Website

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