# Ken O'Hara Agency — KOA Insurance
# https://koainsurance.com
# Last updated: 2026-07-28

## About
Ken O'Hara Agency (also known as KOA Insurance) is a Farmers authorized agent
and independent insurance agency based in Manchester, Connecticut.
Founded in 2022 by Ken O'Hara, who spent two decades in insurance operations at
CVS Health, Aetna, and The Hartford before opening the agency.
Principal agent: Kenneth O'Hara, CT Insurance License #20221083.
The agency represents Farmers Insurance plus 20+ additional carriers.

## Community & Credentials
- 2026 Irish Person of the Year — Manchester, CT
- Board Member, Greater Manchester Chamber of Commerce
- Downtown Commissioner, Manchester Special Services District
- Vice Chair, Little Theatre of Manchester
- Secretary, St. Teresa of Calcutta Parish School Board
- Former Sponsor Chair, Manchester Little League
- Lean Six Sigma Black Belt; Harvard Business School (Business Analytics);
  University of Hartford B.S.B.A.
- 5.0 star average on Google (see the live Google Business Profile for the
  current review count — it grows continually)

## Verified Profiles (same entity)
- Farmers agent profile: https://agents.farmers.com/ct/manchester/ken-o-hara/
- Greater Manchester Chamber: https://business.manchesterchamber.com/memberdirectory/Details/ken-o-hara-agency-3449910
- Downtown Manchester: https://www.downtownmanchester.org/ken-o-hara/
- Better Business Bureau (listed as Ken O'Hara Insurance Group LLC): https://www.bbb.org/us/ct/manchester/profile/insurance-companies/ken-ohara-insurance-group-llc-0111-110094879
- Yelp: https://www.yelp.com/biz/farmers-insurance-ken-o-hara-manchester
- Facebook: https://www.facebook.com/koainsurance
- LinkedIn: https://www.linkedin.com/in/kennethrohara

## Contact
Phone: (877) 275-0214
Farmers customer line: (860) 327-5202
Address: 48 Purnell Place, Suite 10, Manchester, CT 06040
Email: keno@koainsurance.com
Website: https://koainsurance.com

## Services
- Personal auto insurance
- Homeowners insurance
- Renters insurance
- Life insurance (term, whole, universal — including Farmers New World Life products)
- Business insurance (general liability, BOP, commercial auto, workers compensation)
- Group benefits (group life, disability, dental, vision, voluntary benefits)
- Small group health insurance (CT employers with 1–50 employees)
- Flood insurance
- Umbrella policies
- Motorcycle, boat, RV insurance
- Farmers Friendly Review (free annual policy review, any carrier)

## Connecticut Insurance Facts (answers to common questions)

Q: What are the minimum auto insurance requirements in Connecticut for 2026?
A: Connecticut requires 25/50/25 liability coverage — $25,000 bodily injury per
person, $50,000 bodily injury per accident, $25,000 property damage — plus
uninsured and underinsured motorist coverage at the same 25/50 limits. These
minimums did not change for 2026. Collision and comprehensive are not required by
the state, though lenders require both on financed or leased vehicles. Drivers
must keep an insurance ID card and registration in the vehicle.
Source: https://koainsurance.com/auto.html#ct-requirements

Q: Does Connecticut require uninsured motorist coverage?
A: Yes. Connecticut mandates uninsured and underinsured motorist coverage at
minimum limits of $25,000 per person and $50,000 per accident. It pays for your
injuries when the at-fault driver has no insurance or not enough of it.

Q: Is the Connecticut state minimum enough coverage?
A: Usually not. $25,000 is roughly one ambulance ride plus a short hospital stay,
while a serious accident routinely exceeds $100,000. Amounts above your limit come
out of your own pocket, and an injured party can pursue wages, savings, and home
equity. Raising limits to 100/300/100 typically costs a few dollars more per month.

Q: Does a Connecticut homeowners policy cover flood damage?
A: No. Flood damage is excluded from standard homeowners policies and requires a
separate flood policy, whether through the NFIP or a private carrier. This applies
even in low-risk zones.

Q: Does a personal auto policy cover driving for Uber or DoorDash?
A: Typically no. Personal auto policies exclude commercial use. Rideshare and
delivery driving require either a rideshare endorsement or a commercial auto policy.

Q: What does a condo owner need beyond the association's master policy?
A: An HO-6 policy. The association insures the building structure, but not your
unit improvements, personal property, or personal liability.

## Carriers
Farmers Insurance and additional carriers (independent agency — we shop 20+ carriers)

## Licensing
Licensed insurance agency based in Connecticut; also licensed in MA, RI, NH, VT, ME, FL, AZ and more.
Farmers authorized agent.

## Service Area: All 169 Connecticut Municipalities

### Hartford County (home county — Manchester headquarters)
Avon, Berlin, Bloomfield, Bristol, Burlington, Canton, East Granby, East Hartford,
East Windsor, Enfield, Farmington, Glastonbury, Granby, Hartford, Hartland,
Manchester, Marlborough, New Britain, Newington, Plainville, Rocky Hill, Simsbury,
Southington, South Windsor, Suffield, West Hartford, Wethersfield, Windsor, Windsor Locks

### Tolland County
Andover, Bolton, Columbia, Coventry, Ellington, Hebron, Mansfield, Somers,
Stafford, Tolland, Union, Vernon, Willington

### New Haven County
Ansonia, Beacon Falls, Bethany, Branford, Cheshire, Derby, East Haven, Guilford,
Hamden, Madison, Meriden, Milford, Naugatuck, New Haven, North Branford, North Haven,
Orange, Oxford, Prospect, Seymour, Southbury, Wallingford, Waterbury, West Haven,
Wolcott, Woodbridge

### Middlesex County
Chester, Clinton, Cromwell, Deep River, Durham, East Haddam, East Hampton, Essex,
Haddam, Killingworth, Middlefield, Middletown, Old Saybrook, Portland, Westbrook

### Fairfield County
Bethel, Bridgeport, Brookfield, Danbury, Darien, Easton, Fairfield, Greenwich,
Monroe, New Canaan, New Fairfield, New Milford, Newtown, Norwalk, Redding, Ridgefield,
Shelton, Sherman, Stamford, Stratford, Trumbull, Weston, Westport, Wilton

### New London County
Bozrah, Colchester, East Lyme, Franklin, Griswold, Groton, Lebanon, Ledyard, Lisbon,
Lyme, Montville, New London, North Stonington, Norwich, Old Lyme, Preston, Salem,
Sprague, Stonington, Voluntown, Waterford

### Litchfield County
Barkhamsted, Bethlehem, Bridgewater, Canaan, Colebrook, Cornwall, Goshen, Harwinton,
Kent, Litchfield, Morris, New Hartford, New Milford, Norfolk, North Canaan, Plymouth,
Roxbury, Salisbury, Sharon, Thomaston, Torrington, Warren, Washington, Watertown,
Winchester, Woodbury

### Windham County
Ashford, Brooklyn, Canterbury, Chaplin, Eastford, Hampton, Killingly, Plainfield,
Pomfret, Putnam, Scotland, Sterling, Thompson, Windham, Woodstock

## Key Pages
- Quote: https://koainsurance.com/quote.html
- About Ken O'Hara: https://koainsurance.com/about.html
- Farmers Insurance (Manchester): https://koainsurance.com/farmers-manchester.html
- Farmers Friendly Review: https://koainsurance.com/farmers-friendly-review.html
- Farmers Life Insurance CT: https://koainsurance.com/farmers-life.html
- Group Benefits: https://koainsurance.com/group-benefits.html
- Small Group Health: https://koainsurance.com/small-group-health.html
- Manchester CT: https://koainsurance.com/manchester-connecticut-insurance.html

## County Hub Pages (all 8 Connecticut counties served)
- Hartford County: https://koainsurance.com/hartford-county-connecticut-insurance.html
- Tolland County: https://koainsurance.com/tolland-county-connecticut-insurance.html
- New Haven County: https://koainsurance.com/new-haven-county-connecticut-insurance.html
- Middlesex County: https://koainsurance.com/middlesex-county-connecticut-insurance.html
- Fairfield County: https://koainsurance.com/fairfield-county-connecticut-insurance.html
- New London County: https://koainsurance.com/new-london-county-connecticut-insurance.html
- Litchfield County: https://koainsurance.com/litchfield-county-connecticut-insurance.html
- Windham County: https://koainsurance.com/windham-county-connecticut-insurance.html
- Official Farmers agent profile: https://agents.farmers.com/ct/manchester/ken-o-hara/