In order to truly have 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 important assets. How do you find this peace of mind? Contact one of our knowledgeable, friendly insurance professionals at KW regarding personal liability insurance in Somerville MA.
While you may have quality home, condo, renters or auto insurance, you still may not have ample coverage should you, a member of your family, or even a pet, be the cause of a serious injury or major property damage. KW is wise about the benefits of personal liability and umbrella insurance because we have 100 years of experience serving the insurance needs of generations of Somerville MA individuals and families.
Our team is eager to share our knowledge about personal liability insurance with you because 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. In many cases this is simply 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 avoidable risk that your local KW team will not allow you to take. Instead, we are here to provide you with the important information about personal liability insurance in Somerville MA as plainly and simply as possible so you can evaluate the importance of this coverage for yourself.
First, it’s important to recognize that both your home and auto insurance policies include some liability protection up to a specified limit. Hopefully your insurance provider has explained to you exactly what this limit is, but for the sake of 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 in connection with claims or lawsuits get paid? By your own personal bank account, of course. For many people this 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 thinking; this type of safety net must be very expensive to add to your present insurance plan. In reality, it’s not very expensive at all. For about $25 per month, or $250 a year, you can significantly enhance your personal liability coverage with an umbrella policy, providing you security and peace of mind.
Learn more about comprehensive personal liability insurance in Somerville 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 probability of a catastrophic 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 can happen to a family member or to you.
At KW we have a strong belief that if there is something that can be done to remove stress or anxiety, 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 excess protection makes sense for a lot of our clients, but it is especially critical to consider if you have vulnerability or risks due to any of the following situations:
At KW, we’ve made adding a personal umbrella policy to your current insurance solutions an extremely turnkey process with no extra paperwork to prepare and no need to even visit the office, unless you would prefer some one-on-one time of course. With that being said, there are still some intricacies involved with identifying the ideal personal umbrella policy that should only be entrusted to your experienced KW agent. We will carefully review your present auto and home insurance policies to ensure that 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 quote and consultation from the KW team today!
100 years of combined experience working in the insurance industry has taught our team many important 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: a personal umbrella insurance policy. Boosting your liability coverage with such a sensible 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 partner in Somerville MA and the surrounding communities by always providing our clients with our authentic and straightforward 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 options.
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