To get a true feeling of peace of mind, it is important to have confidence that you have the best possible insurance solutions to protect the most important people in your life as well as your most valuable assets. How do you obtain this level of assuredness? Speak with a experienced, friendly KW insurance agent regarding personal liability insurance in Cambridge MA.
While you may already have excellent condo, home, auto or renters insurance, you still may not have sufficient coverage should you, a member of your family, or even a pet, be liable for major property damage or a serious injury. KW is wise about the primary advantages of personal liability and umbrella insurance because we have over 100 years of experience serving the insurance needs of generations of Cambridge MA individuals and families.
Our team is eager to share our smarts about personal liability insurance with you because we have seen first hand how this additional protection can save you from financial hardship due to lawsuits and claims against you and your loved ones.
It’s often very common for those who are insured to overlook the importance of a personal umbrella policy. We have found that in most cases this is because their insurance agent has not explained this type of protection and how it can save you a great deal of worry and expense. This is an unnecessary risk that your local KW agent will not allow you to take. Instead, we are here to provide you with the important information about personal liability insurance in Cambridge MA as plainly and simply as possible so that you can decide of this type of coverage makes sense for you.
First and foremost, it’s important to understand that your auto and home insurance policies include some liability coverage up to a specified limit. Hopefully your current insurance partner has explained to you exactly what this limit is, but just for an example, let’s work under the assumption that your auto insurance plan has a $250K liability coverage limit. That sounds pretty significant, doesn’t it?
Unfortunately, should you end up at-fault in a multi-car accident that injures several people, the medical costs alone may wipe out this liability limit and then some. How will the remaining costs and legal fees related to claims or lawsuits be paid? You guessed it, by your own personal bank account. For many people this could be financially devastating to you and your family. However, for those with a personal umbrella policy, it goes into effect after the underlying auto liability coverage has been exhausted, potentially saving you hundreds of thousands of dollars.
We know what you’re probably thinking; this type of safety net must be quite expensive to add to your current insurance solutions. In reality, it’s not pricey at all. For about $25 a month, or $250 per year, you can significantly improve your personal liability coverage with an umbrella policy.
Learn more about comprehensive personal liability insurance in Cambridge MA and request a free quote from our team of professionals today!
Another reason that those with existing policies may not consider investing in a personal umbrella policy is that they see the likelihood of a disastrous event occurring to them as very slim. But this doesn’t mean you haven’t spent time thinking about all of the unexpected things that can happen to a family member or to you.
At KW we strongly feel that if there is something you can do to remove anxiety or stress, then by all means take action. Putting your concerns to rest once and for all by adding a personal umbrella insurance policy is as simple as giving your local KW agent a call today.
This extra safeguard makes sense for a lot of our clients, however, it is especially critical to consider if you have incremental exposure or risks due to any of the following:
At KW, we’ve made adding a personal umbrella policy to your current insurance solutions a very simple process with no extra paperwork to fill out and no need to come into the office, unless you would prefer some one-on-one time of course. That said, there are still some intricacies involved with finding the proper personal umbrella policy that should only be entrusted to your experienced KW agent. Our team will carefully review your present auto and home insurance policies to make sure you qualify for personal umbrella coverage and then advise you on the smartest course of action based on your specific level of risk.
Learn more about our personal umbrella insurance and other personal insurance offerings and request a free consultation and quote from our team today!
100 years of combined experience working in the insurance industry has taught our team many wise things that we gladly share with our personal insurance clients, like you. This includes our owner, Alan Issokson’s famous quote, “Don’t take unnecessary risks.” Our team at kw is wise to the most effective and affordable way to reduce your personal liability risk: a personal umbrella insurance policy. Boosting your liability coverage with such a smart option is just one of the ways KW will always have your back. It would be our pleasure to answer any questions you may have about this type of coverage and how it may benefit you, as well as review all your current policies at no cost or obligation to you. The KW Insurance team strives to be the very best insurance partner in Cambridge MA and the surrounding communities by always providing our clients with our straightforward and authentic perspective on everything related to your personal insurance needs. We look forward to talking to you not only about personal umbrella insurance, but also our wide variety of competitively priced personal insurance solutions.
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