No, I don't think you're clinically depressed. You DON'T need to see a doctor for a mood-altering drug.
You are what you said: down. It's not seasonal, it's based on circumstances. You're under stress about your business, you feel unloved by your nearest and dearest, and your surroundings aren't helping because they're dirty and smelly.
It is OKAY and VALID to be blue now and then, and it can last a while without it being something requiring medication or therapy.
I would say, start by taking 15 minutes at a time to clean up. Get those Christmas decorations back to wherever they're stored for the rest of the year as your first task. Pick another task for the next day, or for the evening, if you prefer.
And if you haven't heard of this, check out
http://flylady.net and get on the free email list and join a free local group. It can help you get back on track. OTOH, you may not need or want it, but it's worth checking out.
If money is low, instead of giving away your excess stash, sell some of it on eBay. Consider building an eBay business or writing an eBook about insurance as ways to make extra money or avenues to move into if you can't continue as an agent.
You might feel better if you talk to a professional counselor, or consider finding a support group. But choose this because you think it might be good to try, not because you think you're so depressed you must.