Kelley Insurance LLC is a local, privately owned, independent insurance agency here in Lawrenceburg, Tennessee. We cover your car, your house, the apartment you rent, your health, your Medicare and your family for our neighbors in town and in the communities around us — and when something goes wrong, we handle the claim with you from the first phone call to the last one.
1282 First Ave, Lawrenceburg, TN 38464
Independent — we shop more than one company
Health insurance isn’t just a policy. It’s peace of mind. Open Enrollment is the window where you can review the coverage you have now and make changes for 2027 — so let us help you find the right plan for you and your family.
Health coverage
Get the care you need, when you need it. We will explore the affordable plan options available for 2027.
Lower costs
Take advantage of the financial assistance and tax credits you qualify for. Most people do not know they are eligible.
More options
We compare the plans side by side and find the best fit for your health and your budget — not just the first one offered.
Don’t miss out. If you sit this window out, you could face a higher premium or a limited selection of plans until the next enrollment period. That is a whole year of paying more for less.
Rather just send a photo of the bottles? Text us at (931) 242-7794 and we will take it from there.
Individual and family plans · Marketplace and ACA plans · Dental and vision options · We compare multiple carriers. Personalized service, and no charge to ask.
Working on Medicare with us
If we are comparing drug plans for you, the list is the one thing we cannot do without. It is not paperwork for its own sake — it is the only way to tell you honestly which plan will cost you the least over a year.
You can type it here and we will take it from there. One medication to a line, with the dose if you know it, is plenty. And you are always welcome to simply bring the bottles into the office and set them on the desk — that works just as well, and it is a good excuse to come say hello.
One list, every plan
We run the same list against each drug plan available to you, so the comparison is honest rather than a guess at what your prescriptions cost.
The dose matters
Two strengths of the same drug can sit on different tiers. Writing "10 mg" instead of just the name can change the answer by a few hundred dollars.
It stays on file
When the plans change next fall — and they change every year — we already have your list and can check it again without asking you twice.
Your list stays with us. It goes to the office, not to a mailing list, and nobody outside Kelley Insurance is given it. You can ask us to remove it at any time and we will.
Rather do it in person? Our office is at 1282 First Ave, and there is no appointment needed.
Doing this for a parent? That is most of the people who fill this in. Put your own name and number in the phone line, and their list in the big box — just tell us whose list it is when we call.
The question we hear most
Almost everybody who walks in the door asks us that, and we are glad they do. Most of the time, the answer is yes — because we are a local, independent agency. We do not work for just one insurance company. We work with a variety of companies, so we take what you have now, compare it, and bring you the best rate we can find.
Every now and then your current policy is already a good deal. We will tell you that straight too. Either way, you will walk out of here knowing.
Most of the time, we do save people money — that is what being independent means out here.
You tell us what you have
Your policy, your car, your house, your family — or just the situation, however it comes out. Any of that is a place to start.
We shop it with more than one company
We are independent, so we work with a variety of companies instead of one. We compare what they would charge you and bring you the best rate we can find.
You see it in plain numbers
Side by side, in words you do not have to translate. Then you decide — no pressure, and nothing to pay us for the looking.
No charge, and nothing to sign. Bring your current policy and we will read it with you — or bring the question on its own and we will take it from there.
When something goes wrong
When you have a claim, you come into the office and we handle it with you — start to finish. You are not sent off to sit on hold with an 800 number. We are local, we know you, and we stay with you until it is settled.
Same office. Same two people. From the first call to the last one.
1282 First Ave, Lawrenceburg, TN 38464 · No appointment needed
You call the office and tell us what happened — a fender bender, a tree limb through the roof, a hospital bill that makes no sense.
We handle it with you from there: the report, the adjuster, the paperwork, and the follow-up.
You are not sent off to sit on hold with an 800 number, and you are never handed to a stranger reading a script.
If you are not sure it is even worth filing, call anyway. That conversation is free, and it is what we are here for.
The people across the desk
Southern. Neighborly. Here for You. This is not a call center with a rotating cast — it is two people who live here, know the streets, and will still be here at renewal.
Talisa
Medicare, annuities and life
Talisa is the one to ask for when you are turning 65, when the letters about Part D start arriving, or when you want to sit down and think about an annuity or a life policy. She has done this conversation hundreds of times in this town, and she will not talk over your head or hurry you out the door.
She will also tell you, plainly, if the policy you already have is a good one.
Brandy
Home, renters and commercial
Brandy handles car insurance the way people around here expect it: she writes it down, she quotes it with more than one company, and she calls you back. She also writes the property side — a house you own, an apartment you rent, a rental house you own, and the liability coverage a small business needs to hand over a certificate and start a job.
Still one of the few offices left that takes cash payments at the counter.
We treat you like family — and we mean it at claim time, not just when you sign.
What we cover
Cars, houses, apartments, boats, bikes, health, Medicare, life, annuities, an SR-22 filing and the small business you run. Every one of them gets quoted more than one way across the carriers we represent. Pick one to read what it actually covers.
Protecting a car, a house, an apartment, a family, a boat, or all of it at once? We will bundle what makes sense and show you the savings rather than just claim there are some.
Ask about several at onceWhy an independent agency
Big-name direct insurers sell their own product. We sell the one that fits, and we are still here when you need us.
We are a private, independent agency. We shop your situation across many of the top name carriers and tell you which one genuinely fits — then shop it again next year.
You call us, not a phone tree. We report the claim beside you, explain your deductible in plain words, and keep after the carrier until it is settled.
We are a real office on First Ave in Lawrenceburg. Walk in, sit down, and ask your questions across the desk — no appointment needed.
Local People. Local Service. Local Commitment. — that is the whole idea.
About Kelley InsuranceIndependent means we can shop it
That is not a slogan, it is the job description. We are not an employee of one insurance company — we hold appointments with many of the top name carriers, so the quote you get is the best of what is available to you, not the only thing somebody is allowed to mention.
It also means we can move you. If your renewal comes in high, or a company tightens its rules in your ZIP code, we have somewhere else to put you — and we will tell you before you have to ask.
You tell us what you have
The policies, the vehicles, the house, the medications, or just the situation. Any of it works as a starting point.
We shop it more than one way
We are contracted with many of the top name companies, so we compare the same coverage side by side and bring you the best rate we can find.
You choose with it all visible
Real numbers, plain words, no pressure. And we shop it again at renewal instead of waiting for you to notice a jump.
A local private agency — which means nobody in a distant office sets our priorities. If we cannot do better for you, we will say so rather than move you into something that pays us more.
One number. One agent. The whole way through.
When something goes wrong
A fender bender at 6pm. A tree limb through the roof on a Sunday. A hospital bill that makes no sense. You call us and we pick it up from there — you are never handed off to a stranger reading a script.
You call us, and a person answers
Tell us what happened. We tell you honestly whether it is worth filing, and what your deductible means for this specific claim.
We report it with you
We file it with the right carrier, make sure the details match your policy, and take the paperwork off your hands.
We stay on it until it is settled
We follow up with adjusters, keep you updated, and push back if an offer does not add up. You keep the same agent the whole time.
Come in the office
No appointment needed. Walk in, sit down, and ask us anything across the desk — what you are paying for, whether it is any good, and what you should do next. Southeast Tennessee, one office, two people who will remember your name next year.
Office hours
Our hours shift with the season and with who is out on an appointment. Call and we will tell you right now whether the door is open — and if we miss you, we call back.
Areas we serve
Lawrenceburg, Tennessee and the communities around it, out into Lawrence County. If you can get to First Ave, we can look after you.
“Local People. Local Service. Local Commitment.”
A second opinion, free
Bring your declarations pages and we will read them with you. Plenty of folks leave knowing their current policy is fine — that is a good outcome, and it costs nothing.
Turning 65
The Medicare conversation is worth having early. Bring your medication list and we will map out Parts A, B and D plus a supplement before the deadlines get close.
Something changed
A new car, a new house, a new driver, a boat, a motorcycle, a business you started in the garage. Coverage should follow the life, not lag a year behind it.
A claim in progress
Bring the letters and the paperwork. We will read them with you and tell you exactly what the carrier is asking for and what happens next.
Protecting What Matters Most. A quote costs you nothing and takes a few minutes. If we cannot beat your current price, we will tell you that too — and you will know your coverage was checked by somebody local.
1282 First Ave, Lawrenceburg, TN 38464
