In order to truly have peace of mind, you must have confidence that your current insurance solutions are adequate enough to protect the most important people in your life as well as your most important assets. How do you discover this peace of mind? Contact one of our experienced, friendly insurance professionals at KW regarding personal liability insurance in Newton MA.
While you may already have high quality home, renters, condo or auto insurance, you still may not have ample 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 advantages of having personal liability and umbrella insurance because we have 100 years of experience meeting the insurance needs of our neighbors in Newton MA and throughout Massachusetts.
We are eager to share our smarts about personal liability insurance with you because we understand that this additional protection can save an individual from financial difficulties as a result of lawsuits and claims of libel or slander.
It’s very common for insureds to overlook the need for a personal umbrella policy. We have found that in most cases this is because their insurance agent has simply not properly explained this type of protection and how it can provide you with peace of mind and financial security. This is an avoidable risk that your local KW team will not let you take. Instead, we’re here to give you the 411 on personal liability insurance in Newton 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 key to understand that your auto and home insurance policies include some liability protection up to a specified limit. Hopefully your insurance partner has explained to you exactly what this limit is, but just for an example, let’s assume that your auto insurance policy has a $250K liability coverage limit. That sounds pretty significant, doesn’t it?
Unfortunately, in a situation where you end up at-fault in a major 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 in connection with claims or lawsuits get paid? By your own personal bank account, of course. That could be financially devastating to you and your family. However, if you have 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 very expensive to add to your insurance plan. In reality, it’s not pricey at all. For about $25 a month, or $250 a year, you can significantly enhance your personal liability coverage with an umbrella policy, providing you security and peace of mind.
Find out more about comprehensive personal liability insurance in Newton MA and request a free quote from our team of professionals today!
Another reason that insureds may not consider buying a personal umbrella policy is that they see the chances 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 loved one.
At KW we have a strong belief that if there is something that can be done to remove anxiety or stress, then by all means act on it. Putting your concerns to rest once and for all by adding a personal umbrella insurance policy is as simple as giving your KW agent a call today.
This excess protection makes sense for a lot of our clients, however, it is particularly important to consider if you have incremental exposure or risks due to any of the following situations:
At KW, we’ve made adding a personal umbrella policy to your current insurance solutions a very simple process with no extra forms to fill out and no need to even visit the office, unless you prefer some one-on-one time of course. Having said that, there are still some intricacies involved with identifying the best personal umbrella policy that should only be entrusted to your experienced KW professional. Our team will carefully review your present auto and home insurance policies to ensure that 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 quote and consultation from the KW team today!
One hundred years of combined experience in the insurance industry has taught our team many important 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.” KW is wise to the most affordable and effective 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 many ways KW will always have your back. It would be our pleasure to answer your questions about this coverage and how it may be advantageous to you, as well as review all your current policies at no cost or obligation to you. The KW Insurance team strives to be the best insurance provider in Newton 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 speaking with you not only about your personal liability insurance needs, but also about our wide variety of competitively priced personal insurance solutions.
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