In order to truly have peace of mind, it is crucial to have confidence that you have the best possible insurance solutions to protect you and your loved ones as well as your most important assets. How do you obtain this peace of mind? Contact one of our knowledgeable, friendly insurance professionals at KW about personal liability insurance in Dover MA.
While it’s possible that you already have quality home, renters, auto or condo insurance, you still may not have sufficient coverage should you, a family member, or even a pet, be responsible for causing a serious injury or damage to property. KW is wise about the primary advantages of personal liability and umbrella insurance because we have 100 years of experience working with individuals and families in Dover MA.
We are eager to share our expertise about personal liability insurance with you because we have seen first hand how this additional protection can save an individual from financial difficulties as a result of lawsuits and claims against you and your loved ones.
It’s very common for insureds 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 coverage and how it can provide you with peace of mind and financial security. This is an avoidable risk that your local KW agent will not let you take. Instead, we’re here to give you the 411 on personal liability insurance in Dover 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 recognize that both your home and auto insurance policies include some liability coverage up to a specified limit. Hopefully your current insurance partner has told you what this amount is, but for the sake of an example, let’s assume that your auto insurance plan has a $250K liability coverage limit. That sounds fairly significant, doesn’t it?
Unfortunately, should you end up at-fault in a major car accident that results in multiple injuries, the corresponding costs alone may wipe out this liability limit and then some. How will the rest of the costs and legal fees in connection with 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 a tremendous amount of money.
We know what you’re probably thinking; this type of safety net must be quite expensive to add to your current insurance solutions. Actually, it’s not pricey at all. For about $25 a month, or $250 a year, you can significantly boost your personal liability coverage with an umbrella policy.
Find out more about comprehensive personal liability insurance in Dover MA and request a free consultation from our team of experts today!
Another reason that those with existing policies may not consider investing in a personal umbrella policy is that they see the probability of a disastrous event occurring to them as very slim. But this doesn’t mean you don’t stay up late thinking about all of the unexpected things that could happen to you or a family member.
At KW we strongly believe that if there is something that can be done to remove stress or anxiety, then by all means act on it. Gaining the peace of mind you deserve by adding a personal umbrella insurance policy is as easy as giving your KW agent a call today.
This excess protection makes sense for a lot of our clients, but 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 present insurance solutions a very straightforward process with no extra paperwork to fill out and no need to even visit the office, unless you would prefer some one-on-one time of course. That said, there are still some complexities involved with identifying the ideal personal umbrella policy that should only be entrusted to your experienced KW professional. Our team will carefully review your current home and auto insurance policies to make sure you qualify for personal umbrella coverage and then offer you guidance and an exact recommendation 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!
Over 100 years of combined experience in the insurance industry has taught our team many wise things that we happily 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 minimize your personal liability risk: through a personal umbrella insurance policy. Enhancing 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 be advantageous to you, as well as review all of your current policies at no cost or obligation to you. Our team strives to be the very best insurance partner in Dover MA and the surrounding communities by always giving you our authentic and straightforward perspective on everything related to your personal insurance needs. We look forward to talking to you not only about your personal liability insurance needs, but also about our wide variety of competitively priced personal insurance options.
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