Dawna Hall - Kelley Insurance Agency

10/09/2025

02/13/2025

Today! Come bring a donation and enjoy some yummy treats! 💕

02/01/2025

IT'S FREEZING OUTSIDE, BE PREPARED!

This winter, be ready for frigid conditions. Before it's too late, take advantage of these seasonal tips.

1. Verify if your home has vent covers. Your water lines can quickly freeze due to the chilly northeastern breeze, leaving you without water and possibly causing damage to your home.

2. Save the headache. Disconnect every water hose from the outdoor hose bibs. Your frost-free hose bib will freeze and split behind the wall because it cannot drain correctly. Even if there is no frost, use a cover.

3. If you are going out of town at this time of year, winterizing your home is an excellent idea. Especially if the power and heat decide to go out.

These 3 Easy steps can save you money and leave you feeling confident your home will survive another winter.

Best Regards, Grizzly P

02/01/2025

12/12/2024

10% OFF ALL DRAIN CLEANING NOW UNTIL THE NEW YEAR!!

11/21/2024

A new plumbing service and repair company in the picturesque Whatcom County. We kindly ask you to consider us for your upcoming plumbing needs. Thank you.

Best regards, Grizzly P.

08/27/2024

Don't forget about our referral program! We love giving back to our community! 💚

08/27/2024

Only two more weeks until our Customer Appreciation Picnic! We have some great prizes for our drawing include a 4 pack of charter Mariners tickets and parking passes! Come enjoy a delicious dinner on us from JT's Smokin BBQ and Sugar Shack Ice Cream Truck as we celebrate YOU, our wonderful customers! We hope to see you there!

07/12/2024

I wanted to share some insights on the state of the insurance industry and the factors driving the premium adjustments that you might see in your renewals this year. Unfortunately, this is an industry-wide issue and most consumers are experiencing premium increases.

The truth is that no matter where you live, certain factors have disrupted the market, leading to rising rates and difficulty finding coverage. Factors leading to the disruption include:

Higher rebuilding costs: The cost to rebuild your home is up dramatically due to the rising cost of materials and labor. The supply chain for materials also continues to be an issue. We can all agree that everything has gone up in price.
Higher vehicle repair costs: The cost to repair your car is up 20% due to the rising cost of auto parts and labor to fix your car. In addition, parts in vehicles now include some technology features, which are harder and more expensive to repair.
Higher medical costs: The cost of medical care continues to skyrocket. Bodily injury in auto accidents is off the charts.
More frequent and more severe auto accidents: Accidents are way up post-COVID, along with auto fatalities.
Higher reinsurance costs (the insurance your insurance carrier buys to help cushion catastrophic loss): Reinsurance is at or approaching capacity in many markets, and rising rates are unsustainable.
Legal system abuse (also known as social inflation): This refers to various tactics employed by private equity to fund lawsuits against insurance companies and secure higher claim payouts, the majority of which are inflated beyond the claimant's actual damages. These practices have caused claim costs to rise at an unprecedented rate — increasing 30% in 2022 alone.

The good news is there are some things you can do to help you weather the current insurance market. Here are a few to keep in mind:
Consider higher deductibles. This is not a good idea for everyone, but in some cases, it can make sense. If you’re interested, I’m happy to discuss whether it makes sense for your specific situation.
Don’t let your policy cancel or lapse. Unfortunately, carriers are not reinstating coverage as easily as they once did. If your policy lapses, they may require your premium in full before reinstating—or, depending on the carrier’s risk assessment, your policy could even be canceled. This is across the board for every line of coverage, so make sure to pay your premiums on time or in advance just to be safe.
Don’t overlook tenure. Switching companies too often can hurt you in the long run. In addition, some carriers won’t take you as a new client if you have less than two years with a carrier or have filed a significant number of claims in the past.
Absorb small claims when you're able and save for catastrophic losses. Claim frequency is a huge factor in your coverage rates.

Feel free to reach out to me with any questions or if you would like some quotes!

05/06/2024

Anyone looking for an insurance quote? I am free to quote your home, auto, boat, RV, motorcycle/quad, business, general liability or life insurance! Email me at [email protected] 🤗

04/23/2024

📣 The results are in!!! 📣 Thanks to your referrals and reviews in the 1st quarter of 2024, we were able to donate 60 pairs of shoes to children in need in the Mt. Baker School District! Together, we can make a difference! 💚