Insurance written by a New Yorker, for New Yorkers.
Kelly Qu Agency is a locally owned Allstate agency in Midtown Manhattan. We cover auto, home, renters, life, and business policies across New York — five boroughs, Long Island, Westchester, and the Hudson Valley — in English, Mandarin Chinese, and Spanish.
An actuary who'd rather pick up the phone.
Most insurance buyers don't lose money to the wrong premium. They lose money to the wrong policy — under-selected limits, missing endorsements, a deductible that doesn't match their savings cushion.
Kelly Qu majored in actuarial science and went directly into insurance. As a native New Yorker and the child of immigrants, she opened the agency in 2016 for one reason: New York is a brutal market to navigate alone. Garaging rules across five boroughs. Rent-stabilized buildings with unusual subrogation. Co-ops, condos, and HO-6 walls-in coverage that almost no one explains correctly. A second language at the kitchen table that the call-center won't accommodate.
"We're not here to sell you the cheapest policy in your inbox. We're here to tell you which of the five quotes you've been comparing is actually built right."
We're an Allstate captive agency, which means every policy is backed by Allstate's claims network and financial reserves. What's local is the advocacy: the underwriting calls, the post-storm walkthroughs, the renewal-time math on whether bundling actually saves you anything this year.
What we write for New Yorkers.
Every policy goes through a human review by a licensed agent who knows the state's rules and speaks the household's language.
Auto insurance
NY & NJ auto policies — including coverage tuned for street-parked NYC vehicles and cross-river commuters.
Home & condo
HO-3, HO-6, and co-op walls-in coverage with replacement-cost analysis built around NYC construction costs.
Renters insurance
From $15/mo. Required by most NYC landlords. Bundle with auto to save more.
Life insurance
Term and whole life through Allstate, structured around your family's actual needs.
Business insurance
BOPs, commercial auto, workers' comp, and liability for NYC and NJ small businesses.
Umbrella insurance
Extra $1M–$5M of liability sitting on top of your auto + home — common need for NYC households.
Four things that hold up year after year.
An actuary at the front desk
Kelly's background is in pricing risk. Our quotes start from the underlying math — coverage limits, deductible math, and claim probability — not a marketing script.
Multilingual by staff, not by app
English, Mandarin, and Spanish — spoken by the team that writes your policy. The same person walks you through renewal, claims, and questions.
All of New York, one office
Manhattan HO-6, Long Island flood on the South Shore, a wooded HO-3 in the Hudson Valley — each is a different policy math problem. We solve all three, plus the cross-state ones into NJ when needed.
Real office, real hours
147 W 35th St, a block from Herald Square. Walk in, no appointment needed. Mon–Thu 8:30–7:00. We answer the phone.
What clients say.
Real quotes from public Yelp and BBB reviews.
"Kelly responded within minutes of emailing. Extremely professional and knowledgeable — policy set up in less than ten minutes."
"Truly a gem for all your car and homeowners insurance needs."
"Probably the most responsible, hardworking, and customer-focused agent we've worked with. Always stays on top of things and answers every question."
"Kelly and Megan are an incredibly responsive dream-team — they pick up the phone every time we call and respond to emails within the hour."
"Took the time to answer every question and concern without being pushy."
A few questions, answered straight.
What states is Kelly Qu Agency licensed in? +
What languages do you speak at the agency? +
Where is the office? +
Do I need to come in person? +
Are you Allstate, or are you an independent agency? +
Want a real local agent on the phone?
We answer the phone, in English, Mandarin, and Spanish.