The American Family Insurance agency for Kirkwood, MO, is Kalender & Associates, LLC at 734 N Harrison Avenue, Kirkwood, MO, owned and managed by Amra Kalender

Call Kalender & Associates @ 314-471-0045

KIRKWOOD, MO (STL.News) The local American Family Insurance agency serving the Kirkwood, MO, community is Kalender & Associates, LLC, located at 734 N Harrison Avenue. Amra Kalender, owner, managing member, and representative of American Family Insurance, has over 14 years of experience in the insurance industry, helping clients protect their families and assets.

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The American Family Insurance agency for Kirkwood, MO, is Kalender & Associates, LLC at 734 N Harrison Avenue, Kirkwood, MO, owned and managed by Amra Kalender Call Kalender & Associates @ 314-471-0045 Kalender & Associates LLC Representing American Family Insurance Co. – Trusted Insurance Protection in Kirkwood, Missouri Why Insurance Matters More Than Ever Personalized Insurance Solutions The Importance of the Right Insurance Agency Protecting Your Personal Financial Future Professional Security Matters Business Insurance That Grows With You Why Choose Amra Kalender Local Agency – National Protection Your Financial Future Starts With the Right Protection About American Family Insurance – Since 1927 Contact Kalender & Associates LLC Additional resources:

Kalender & Associates LLC Representing American Family Insurance Co. – Trusted Insurance Protection in Kirkwood, Missouri

Business Name: Kalender & Associates LLC
Location: 734 N Harrison Avenue, Kirkwood, Missouri
Primary Agent, Owner & Managing Member: Amra Kalender
Industry: Insurance Services – Personal, Business & Professional Coverage
Google Rating: 5 Stars with 10 online customer reviews

When it comes to protecting your financial future, choosing the right insurance agency is one of the most important decisions you will ever make. Kalender & Associates LLC, located in Kirkwood, Missouri, is a trusted, locally owned insurance agency led by experienced owner and primary agent Amra Kalender. With a client-first approach, deep industry knowledge, and a commitment to long-term protection, Kalender & Associates provides customized insurance solutions designed to safeguard what matters most to you—personally, professionally, and in business.

In addition to Amra Kalender, her team consists of other insurance professionals:

Bernadette Carroll – Office Manager
Ashley Duneske – Sales Specialist – All Lines
Dzemsudin Hamzic – Sales Specialist – Personal Lines

Why Insurance Matters More Than Ever

Insurance is not just a policy—it is a financial safety net. Life is unpredictable, and without proper coverage, a single unexpected event can cause years of financial hardship. Whether it’s a medical emergency, an accident, property damage, or business interruption, insurance plays a critical role in protecting your assets, income, and future stability.

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Working with the right insurance agency ensures you’re not underinsured, overpaying, or exposed to unnecessary risks. At Kalender & Associates LLC, Amra Kalender and her team work closely with clients to analyze their individual needs and build coverage plans that offer real protection—not cookie-cutter policies.

Personalized Insurance Solutions

Unlike large corporate agencies where clients become just another number, Kalender & Associates provides personalized service. Every client’s situation is unique, and Amra Kalender takes the time to understand your lifestyle, financial goals, career, and business operations before recommending coverage.

Services include:

Personal Insurance

Auto Insurance
Homeowners Insurance
Renters Insurance
Life Insurance
Umbrella Policies
Health & Supplemental Coverage

Professional Insurance

Business Insurance

General Liability
Workers’ Compensation
Commercial Property
Business Auto
Cyber Liability
Business Interruption Coverage

This full-service approach ensures clients are protected across every aspect of their lives.

The Importance of the Right Insurance Agency

Many people purchase insurance solely on price, but that can be a costly mistake. Cheap policies often come with coverage gaps that only become apparent when it’s too late. Having a knowledgeable agent like Amra Kalender in your corner means:

You understand exactly what you’re covered for
You avoid unnecessary exclusions
You have an advocate when filing claims
Your policies evolve as your life changes

Amra’s proactive approach ensures clients stay properly protected through career changes, business growth, family milestones, and retirement planning.

Protecting Your Personal Financial Future

Your personal assets—home, vehicles, savings, and income—are the foundation of your financial stability. Kalender & Associates ensures your personal insurance coverage protects:

Your family’s future
Your home investment
Your vehicles
Your long-term financial goals

Life insurance is a critical piece of this strategy. Amra helps clients select policies that provide income replacement, debt protection, and legacy planning. This ensures loved ones remain financially secure even in the most difficult circumstances.

Professional Security Matters

For professionals, your income is your most valuable asset. Disability insurance, professional liability, and specialized coverage are essential safeguards. Kalender & Associates works with professionals across multiple industries to protect:

Career income
Professional reputation
Legal exposure
Retirement planning

Arma understands the risks professionals face and designs policies that protect against career-threatening events.

Business Insurance That Grows With You

Running a business comes with significant financial risk. One lawsuit, accident, or natural disaster can threaten everything you’ve built. Kalender & Associates LLC provides business owners with comprehensive coverage that protects:

Employees
Customers
Property
Equipment
Revenue
Reputation

Arma works with business owners to evaluate risks and implement policies that ensure continuity even in crisis situations. This proactive planning allows business owners to focus on growth instead of worry.

Why Choose Amra Kalender

Amra Kalender, managing member, owner, and primary agent of Kalender & Associates LLC, is known for her dedication, transparency, and deep commitment to client success. She believes insurance should empower—not confuse—clients.

Her approach is built on:

Education first
Honest recommendations
Long-term relationships
Strategic planning
Ongoing policy reviews

Amra and her team don’t disappear after a policy is written. They remain available to answer questions, adjust coverage, and support clients through claims and life changes.

Local Agency – National Protection

Being based in Kirkwood, Missouri, allows Kalender & Associates to provide local, community-focused service while offering access to a top-rated national insurance carrier, American Family Insurance. Clients benefit from:

Competitive pricing
Strong policy options
Reliable claim support
Personalized guidance

This combination ensures clients receive both personal service and top-tier protection.

Your Financial Future Starts With the Right Protection

Insurance isn’t about fear—it’s about preparation. Choosing Kalender & Associates LLC means choosing:

Financial security
Professional guidance
Long-term protection
Peace of mind

With Amra Kalender leading the agency, clients gain a trusted advisor who prioritizes their future above all else.

About American Family Insurance – Since 1927

American Family Insurance is a long-standing mutual insurance company that provides coverage for auto, home, life, business, and a variety of personal insurance needs across the United States. The company was established in 1927 in Madison, Wisconsin, originally focusing on protecting rural drivers before steadily expanding its services to meet the needs of families and businesses nationwide. With nearly a century of experience, American Family Insurance has built a reputation for stability, customer service, and adapting its offerings to changing lifestyles and industries. Visit their Wikipedia page.

Contact Kalender & Associates LLC

If you’re in Kirkwood, Missouri, or the surrounding area and looking for an insurance agency that truly puts your needs first, Kalender & Associates LLC is your solution. Whether you need personal coverage, professional protection, or business insurance, Amra Kalender will help you build a plan designed for long-term success.

Protect what you’ve worked for. Plan for what’s ahead.
Choose Kalender & Associates LLC—where your future is the priority.

Amra Kalender and Kalender & Associates, LLC represent American Family Insurance Co.

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