You work hard to build a life you can be proud of – a home, car, family, and savings for the future are goals for many Massachusetts residents. Unfortunately, a single accident can destroy everything you’ve worked for, putting your financial situation and future in jeopardy. When these unexpected events occur, personal insurance policies can provide important protections to minimize the impact and get back on your feet quickly.
You don’t get in your car expecting to have an accident, or leave your home thinking that you will come back to find your belongings stolen and destroyed. Yet these situations occur across Massachusetts every day, leaving physical, emotional, and financial devastation in their wake. Just as you buckle your seatbelt and lock your doors, purchasing personal insurance can help you prepare for these and other events in case they do happen. With a wide variety of policy options to protect your home, auto, and other assets, you can know you are prepared for a wide range of situations that could occur.
Whether you own or rent your home, it usually represents a significant portion of your assets. When it is damaged due to fire, storm damage, vandalism, or theft, it could cost tens of thousands of dollars just to replace the contents, and more to rebuild the structure. Fortunately there are policies for every living situation including:
These important policies contain coverage for both property damage and liability. If someone is injured on your property or due to your negligence, your homeowners insurance policy can help pay for lawsuit and settlement costs in a covered event.
Flood insurance is typically not included in standard home insurance coverage, but can be purchased separately. Even a minor flood can cause extensive damage, making this coverage important for anyone living in an area prone to flooding.
Operating a vehicle is a big responsibility. Weather and road conditions, other drivers, and distracted driving cause thousands of accidents in MA every year. To legally operate a motor vehicle in MA, you must have a minimum amount of insurance, including property damage and bodily injury liability coverage. Depending on what vehicles you own, you may need policies for:
There are many policy options to cover your vehicle, towing, equipment, and other situations. Your insurance agent can help you find the right vehicle policy for each of your vehicles.
Your life and situations are unique to you. Your insurance portfolio should also be tailored to your specific needs. Combining specialty insurance policies with your standard home and auto coverage can provide a broad range of coverage for more full protection of your assets against a variety of risks. Some insurance policies you may want to consider include:
Your agent can help you determine which policies are right for your life and budget.
Life is full of unexpected events that can wreak havoc on your finances and security. By purchasing personal insurance protections, you can plan for these situations, reducing their impact on your life and allowing you to move forward more easily. Consult your Massachusetts insurance agent to determine what types of insurance are right for your family.
By the way - we are based in Massachusetts, but proudly write in RI, ME, OH, VA, IN,IL, CT, DC, MA, IA, NH, NJ, AZ, PA, TX, FL, MA, NV, SC, NY, MO, TN, VT, WI, KS, VA, as well.