To get a true feeling of peace of mind, it is crucial to have confidence that you have the most comprehensive insurance solutions to protect your family members as well as your most important assets. How do you obtain this peace of mind? Speak with a knowledgeable, friendly KW insurance agent regarding personal liability insurance in West Roxbury MA.
While you may have quality home, renters, auto or condo insurance, you still may not have ample coverage should you, a family member, or even a pet, be liable for major property damage or a serious injury. KW is wise about the advantages of having personal liability and umbrella insurance because we have 100 years of experience working closely with families and individuals in West Roxbury MA and throughout Massachusetts.
Our team is eager to share our smarts about personal liability insurance with you because we have seen first hand how this additional coverage can save an individual from financial hardship as a result of lawsuits and claims against you and your loved ones.
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 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 team will not let you take. Instead, we are here to provide you with the important information about personal liability insurance in West Roxbury MA as plainly and simply as possible so you are able to decide if this type of coverage is best for you and your family.
First and foremost, it’s important to understand that both your home and auto insurance policies include some liability coverage up to a specified limit. Hopefully your insurance partner has explained to you exactly what this limit is, but for the sake of an example, let’s say that your auto insurance policy has a $250K liability coverage limit. That sounds fairly 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 associated with claims or lawsuits get paid? You guessed it, by your own personal bank account. 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 hundreds of thousands of dollars.
We know what you’re thinking; this type of safety net must be quite expensive to add to your present insurance plan. In reality, it’s not pricey at all. For about $25 per month, or $250 per year, you can significantly improve your personal liability coverage with an umbrella policy, providing you security and peace of mind.
Find out more about comprehensive personal liability insurance in West Roxbury 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 possibility of a disastrous event occurring to them as very slim. However, 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 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 local KW agent a call today.
This extra protection makes sense for a lot of our clients, however, 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 present insurance solutions a very simple process with no extra forms to prepare 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 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 home and auto insurance policies to make sure 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 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.” KW is wise to the most affordable and effective way to reduce 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. The KW Insurance team strives to be the best insurance partner in West Roxbury 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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