ABOUT US
More Than Insurance.
We’re Your Neighbors.
At K&O Insurance, we believe protecting what matters most starts with a real relationship.
Our Story
Locally Owned. Community Focused.
As a family-owned independent insurance agency, K&O was created with a simple purpose: to give our clients someone they can know, trust and rely on to guide them through their insurance needs.
We’re not a big, faceless corporation. We’re your neighbors, your local team, and your advocates — committed to building long-term relationships and providing personalized service with integrity, honesty, and care.
Meet Karina Pavek
Agency Principal & Owner
With over 10 years of experience, Karina Pavek — Agency Principal and Owner — understands that insurance should never feel confusing, transactional, or impersonal. She takes the time to truly understand your unique needs, answer your questions openly, and stays personally involved throughout the process, helping you find coverage that fits your lifestyle, your family, and your budget.
You’re never just another policy number. You’re a client we know, a relationship we value, and someone whose best interest remains at the center of every decision.
You’re never just another policy number. You’re a client we know, a relationship we value, and someone whose best interest remains at the center of every decision.
Karina Pavek
Our Promise to You
Real People. Real Support. Always.
Personalized Service
We take the time to understand your insurance needs.
Trusted Experience
We’re here to answer your questions and explain your options.
Long Term Relationships
You’re more than a policy, you’re part of our family.
Your Best Interest
We always put your protection and peace of mind first.
Let’s Protect What Matters
Whether you’re buying a new home, starting a family, or planning for the future, K&O Insurance is here for you.
K&O Insurance Partners, Inc.
Office Hours
Monday to Friday
9:00AM to 5:00PM
Follow Us
Stay Connected through our social medias for changes to insurance converage.