Personal lines
Home, auto and the rest of the household
Home, auto, renters, condo, landlord, umbrella and life. The everyday book, and the one where holding it all in one place usually does the most for the premium.
Home insurance detailsWexford, PA · Independent since 2013
Eight carriers, one agency, and someone here who knows which is which.
Full Circle is a family run independent agency on Brandt School Road. We are not tied to one insurance company, so when we quote your home, your car or your business we can put the same risk in front of eight sets of underwriting rules and bring back the one that actually fits.
The bench
We can quote all eight of these.
An agent tied to a single company can only ever show you that company’s number. If it comes back high, the conversation is over. These are the carriers Full Circle is appointed with, so the conversation keeps going until one of them fits.
Everyday personal and commercial lines
Auto-Owners Insurance
A mutual-style carrier that sells only through independent agents, never direct.
Berkley
Specialist commercial underwriting, useful where a small business does not fit a standard box.
Donegal
A Pennsylvania-rooted regional carrier writing both personal and commercial lines.
Encompass
Packaged personal cover, built around holding home and auto on one policy.
Regional, specialty and recreational
Farmers Mutual Insurance Company
Regional mutual, long-standing in Pennsylvania property.
Foremost
The specialty book: recreational vehicles, landlord property and the risks other carriers decline.
Progressive
Strong on auto, motorcycle and recreational vehicle rating.
Travelers
Broad personal and commercial appetite. Kelsey Kulka completed its Agent Leadership Program in 2022.
Full Circle is an agency, not an insurance company. We place your cover with the carriers above and they underwrite it, which is why nobody here will promise you a price before they have seen the risk.
What we cover
Three books, one agency.
Most of the people who call about a house end up moving the cars across too, and a fair few of them run a business as well. It is the same conversation, so it may as well be the same agency.
- Business and commercialSmall business policies, commercial accounts, professional liability and management liability, for the kind of business that is too particular for an online form.Business insurance
- Boats, campers and the things people actually enjoyBoat and yacht, motorcycle and ATV, recreational vehicle, flood, jewellery and valuable items, and wedding and event cover. The policies a one company shop most often has to decline.Specialty insurance
Why independent matters
The house has not changed. The company rating it has.
Carriers move. One tightens up on roof age, another decides it wants more business in Allegheny County, a third reprices the whole book. None of that has anything to do with you, but it lands on your renewal all the same.
When your agent has one company, the only answer to that is to absorb it. When your agent has eight, the answer is to go and look. That is the entire argument for an independent agency, and it is worth most in exactly the years when premiums are moving.
The register
Everything Full Circle writes.
Not a menu with prices on it. Insurance does not price that way, and any site that tells you otherwise is guessing. This is simply the list of what the agency can place.
Personal lines
- Home
- Auto
- Renters
- Condo
- Landlord
- Umbrella
- Life
- Flood
- Boat and yacht
- Motorcycle and ATV
- Recreational vehicle
- Jewellery and valuable items
- Wedding and events
Commercial lines
- Small business
- Commercial accounts
- Professional liability
- Management liability
If what you need is not on this list, it is still worth a call. Between eight carriers there is usually somewhere to put it.
Specialty lines
The policies a one company shop has to say no to.
Boats, campers, ATVs, older property, a ring worth more than the standard cap. Three different arguments, one reason the carrier bench matters more here than anywhere else in the book.
Boat, camper, ATV
Where a homeowners policy quietly stops
A homeowners form will sometimes cover a very small boat and almost never covers the one that actually lives on a trailer. Hull, liability on the water, the trailer and the motor are their own policy, and a camper needs a form that understands it is a vehicle and a dwelling at once. Progressive and Foremost both sit in the bench for exactly this.
Older and unusual property
A carrier that declines is not being difficult
It simply does not write that book. Appetite for older stock, landlord property and anything unusual varies wildly between companies, which is why on these lines eight appointments stop being about price and start being about whether the thing can be placed at all. Foremost is in the bench because it writes the risks other carriers hand back.
Flood and the household caps
The gap is usually inside the policy you already hold
Rising water is excluded from a standard homeowners form, always, and that is the gap people find at the worst possible moment. A standard policy also caps what it pays on jewellery, normally far below one good ring. Scheduling the item insures it for an agreed value instead. Both are worth five minutes on the phone before a claim settles the question for you.
For the business
A general liability form does not know what you do.
Two businesses on the same block, same square footage, same revenue, and the right policy for one is the wrong policy for the other. It depends on who walks in, what you hold on site, whose advice you give and who you employ.
That is the part an online quote form cannot ask about, and the part Full Circle would rather talk through before anything gets bound. Professional liability and management liability sit here too, alongside the commercial accounts.
Where the agency stands.
Four facts, all a matter of public record. No star rating appears anywhere on this site, because this agency has no claimed Google profile and an invented one would be worth less than nothing.
- 2013
- Filed as a Pennsylvania domestic LLC on 11 September 2013, and family owned and operated since.
- Eight
- Carrier appointments across personal and commercial lines, all named on the carriers page.
- 2022
- Owner Kelsey Kulka completed the Travelers Agent Leadership Program.
- Wexford
- A real office on Brandt School Road, writing across Allegheny County and Western PA.
Before you call
The questions that come up most.
Eight: Auto-Owners Insurance, Berkley, Donegal, Encompass, Farmers Mutual, Foremost, Progressive and Travelers. That is the whole point of an independent agency. A captive agent works for one company and can only show you that company's number, so if it comes back high there is nowhere else to go. Full Circle can run the same risk past eight sets of underwriting rules and bring back whichever one actually fits.
Yes, both. On the personal side that is home, auto, renters, condo, landlord, umbrella, life, boat, motorcycle and ATV, recreational vehicle, flood, jewellery and valuable items, and wedding and event cover. On the commercial side it is small business policies, commercial accounts, professional liability and management liability. Plenty of clients hold both, which is usually where the account starts making sense as one conversation rather than two.
The office is at 2559 Brandt School Rd, Suite 101 in Wexford, PA 15090, in Pine Township. The agency writes across Allegheny County and Western Pennsylvania.
Full Circle Insurance LLC was filed as a Pennsylvania domestic LLC on 11 September 2013 and has been family owned and operated since. Owner Kelsey Kulka completed the Travelers Agent Leadership Program in 2022.
Yes. Boat and yacht, motorcycle and ATV, and recreational vehicle cover are all part of the personal lines book, alongside jewellery and valuable items and wedding and event cover. These are the policies a single-company shop most often has to decline, which is usually why people end up calling an independent agency for them.
Yes, flood is written as its own policy. It has to be: a standard homeowners policy does not cover rising water, which is the single most common gap people discover at the worst possible moment.
Full circle
Send us what you have and we will go and look.
The fastest thing you can give us is the declarations page off your current policy. It lets us compare like for like across the eight carriers instead of guessing at your limits, and it takes about thirty seconds to find.
2559 Brandt School Rd, Suite 101, Wexford, PA 15090 · Mon-Fri 9am-5pm