Other Policy Types We Work With
You may find that your traditional policies leave you wanting to extend your coverage to a broader blanket of protection. Don’t overpay for coverage that you don’t need. We work with the top carrier’s to provide you with a great rate and the right coverage levels.
Personal Umbrella Policy
Personal umbrella policies are generally sought by individuals who are at an increased risk of being sued as well as individuals who participate in activities that would be considered high-risk. Here are just a few examples of people who might want to consider a personal umbrella policy.
- Parents who own a family estate they want to pass onto their children
- Participants of high-risk activities (e.g. riding motorcycles or boating)
- Pet owners who have aggressive pets
- Landlords who rent out multiple units
- Wealthy individuals who have a lot of assets
- Volunteers who take on risks in order to help others
Some of the most common types of policies that individuals supplement with personal umbrella protection are homeowners insurance, motorcycle insurance, boat insurance, and similar personal policies. This type of policy extends your coverage in the event of an accident, providing an additional layer of protection against people who may sue to take control over personal assets if you are insufficiently covered in other areas.
If you are interested in a free quote for a personal umbrella policy, you can contact our team today.
Motorcycle Insurance
Motorcycle enthusiasts know the risks involved on the open road. Riding a motorcycle means exposing yourself to peril if anything were to go wrong, as the protections afforded to motorcycle riders are far less significant than other vehicles. As such, there is special insurance coverage that motorcycle riders must have to ride on Massachusetts roadways.
Motorcycle insurance policies are very similar to auto policies in that there are a number of different areas that are typically covered:
- Medical Payments Coverages, which may help pay for medical expenses associated with the treatment of a rider or their passenger’s injuries
- Personal Injury Protection, which might help with medical payments, childcare costs, and funeral expenses if a rider is injured
- Bodily Injury Liability Coverage, which may cover medical expenses associated with other people’s injuries
- Comprehensive and Collision Coverage, which might cover damage that a motorcycle sustains
- Property Damage Liability Coverage, which may cover damage caused to other people’s vehicles and property
- Uninsured and Underinsured Motorist Bodily Injury Coverage, which might provide coverage if another driver causes damage or injury, but isn’t properly insured
If you are interested in a free quote for motorcycle insurance, you can contact our team today.
Boat Insurance
Boat insurance, also known as watercraft insurance, is a common coverage that functions similiarly to auto insurance – except for boats. The coverages that a particular watercraft insurance policy provides will depend on the policy’s terms, conditions, and exclusions, and like other policies, exact coverages vary.
Some of the coverages that watercraft policies provide are very similar to auto insurance coverages. For example, a watercraft policy might provide:
- Medical Payments Coverage, which might help cover medical expenses associated with injuries that a boater and their passengers sustain
- Bodily Injury Liability Coverage, which might help cover medical expenses associated with injuries that people outside an insured boat sustain
- Comprehensive and Collision Coverage, which may cover damage that a boat and its trailer sustain
- Property Damage Liability Coverage, which may help cover damaged caused to other people’s property
If you are interested in a free quote for boat insurance, you can contact our team today.
