To get a true feeling of peace of mind, you must have confidence that your insurance solutions are set up to protect the most important people in your life as well as your most important assets. How do you obtain this peace of mind? Speak with a experienced, friendly KW insurance agent about personal liability insurance in Wellesley MA.
While you may 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 the cause of a serious injury or major property damage. KW is wise about the benefits of having personal liability and umbrella insurance because we have 100 years of experience meeting the insurance needs of our neighbors in Wellesley MA and throughout Massachusetts.
We are eager to share our expertise about personal liability insurance with you because we feel strongly that this additional protection can save an individual from financial difficulties due to 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 simply not properly 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 agent will not let you take. Instead, we are here to provide you with the pertinent information about personal liability insurance in Wellesley MA as plainly and simply as possible so that you can weigh the benefits of this type of coverage for yourself.
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 told you what this amount is, but just for an example, let’s say that your auto insurance policy 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 result in hitting this liability limit, and then some. How will the rest of the 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, for those who have a personal umbrella policy, it goes into effect after the underlying auto liability coverage is 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 present insurance plan. In reality, it’s not very expensive at all. For about $25 a month, or $250 per 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 Wellesley MA and request a free consultation 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. 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 feel 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 excellent sense for many of our clients, however, it is particularly important to consider if you have vulnerability or risks due to any of the following:
At KW, we’ve made adding a personal umbrella policy to your current insurance solutions an extremely turnkey process with no extra paperwork to fill out and no need to come into the office, unless you prefer some one-on-one time of course. That said, there are still some intricacies involved with identifying the ideal personal umbrella policy that should only be entrusted to your experienced KW professional. We 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 the KW team today!
One hundred 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: 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 of your present policies at no cost or obligation to you. Our team strives to be the best insurance partner in Wellesley MA and the surrounding communities by always giving you our straightforward and authentic 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 solutions.
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