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Home, Auto, and Business Insurance in Carmel and Monterey County, CA.

Monroe-Kelly Insurance Services

We’re an independently owned and operated agency in Carmel, California and we deliver insurance and risk management solutions.  We’ve served individuals and businesses for more than 45 years and we’re committed to giving clients the greatest possible products and services.  We believe in being knowledgeable and in helping clients learn what they must in order to make the best decisions.  In helping clients learn we build meaningful relationships with clients.  The relationships that we build make it easy to provide full protection for the right price.


Products and Services

We have a wide variety of insurance options, including home and auto policies.  Our business program keeps virtually any commercial operation in California secure and our policy options for specific industries do the same.  Whether you’re a contractor, a craft brewer, or a lawyer, we can help you. 

We offer coverage options for nonprofits, and like all of our other options, we tailor these options to the needs of individual organizations.  We also offer a farm program, and through this program we give farmers in The Golden State and in other states to opportunities they need to stay protected and to run operations smoothly. 

We’re the only agency in our area that has as wide a variety of insurance offerings as we do.  We recognize that most carriers now require that coverages be added by endorsement, and we pay close attention to detail as a result.  We’re one of the agencies that takes the care that’s necessary to acknowledge every detail.


How we do Business

We act as a broker, and this gives clients good comparisons of prices and coverages.  We help clients interpret comparisons and we then create the best possible solutions.  Once the solutions that we create are in place we monitor them regularly and we keep clients informed. 

We actively manage risk and we’ll manage yours.  This will help you reduce the chances that you’ll suffer losses and use insurance.  If insurance is used and you file a claim, we’ll manage the claim.  We’re also reachable at almost any time, so if you need to get a hold of us, you can.  This makes it easy for you to get the information that you need in order to make the best decisions.

Please contact us or give us a call to learn more.  You can request a quote if you’re ready to get started.


Additional Insurance Information:


Our Location

Monroe-Kelly Insurance Services

26465 Carmel Rancho Blvd, #1A
Carmel, CA 93923

Phone Number:

Main office: 831-372-4511
Toll free: 800-735-3455
Fax: 831-372-3812

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.