In order to truly have peace of mind, it is crucial to have confidence that your current insurance solutions are adequate enough to protect your family members as well as your most valuable assets. How do you obtain this level of assuredness? Contact one of our experienced, friendly insurance agents at KW about personal liability insurance in Waltham MA.
While you may have quality home, renters, condo or auto insurance, you still may not have adequate 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 benefits of personal liability and umbrella insurance because we have over 100 years of experience working with individuals and families in Waltham MA.
Our team is 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 hardship due to lawsuits and claims of libel or slander.
It’s often very common for those who are insured to overlook the need for a personal umbrella policy. In many cases this is simply 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 allow you to take. Instead, we are here to provide you with the important information about personal liability insurance in Waltham 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 your auto and home insurance policies include some liability protection up to a specified limit. Hopefully your insurance provider has told you what this amount 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 rest of the costs and legal fees related to claims or lawsuits get paid? You guessed it, by your own personal bank account. That could be financially devastating to you and your family. However, when 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 costly to add to your present insurance plan. Actually, it’s not very expensive at all. For about $25 per month, or $250 a year, you can significantly boost your personal liability coverage with an umbrella policy.
Learn more about comprehensive personal liability insurance in Waltham MA and request a free consultation from our team of experts today!
Another reason that insureds may not consider investing in a personal umbrella policy is that they see the possibility of a catastrophic event occurring to them as very slim. However, 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 believe 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 extra safeguard 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:
At KW, we’ve made adding a personal umbrella policy to your present insurance solutions an extremely turnkey process with no extra forms to fill out and no need to come into the office, unless you would prefer some one-on-one time of course. Having said that, there are still some complexities involved with identifying the ideal personal umbrella policy that should only be entrusted to your experienced KW agent. Our team will carefully review your present home and auto insurance policies to ensure that you qualify for personal umbrella coverage and then offer you guidance and a precise 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!
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.” KW is wise to the most effective and affordable way to reduce your personal liability risk: through a personal umbrella insurance policy. Boosting 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 any questions you may have about this type of coverage and how it may be advantageous to you, as well as review all your current policies at no cost or obligation to you. Our team strives to be the best insurance partner in Waltham 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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