Personal Auto Insurance rates are mandated by the Commonwealth of Massachusetts. However, some companies do offer discounts in addition to safe driver credits.
We represent a number of carriers who offer various association and employer-sponsored groups that you may qualify for.
Is your boat or yacht properly insured? Often watercrafts are something consumers spend thousands of dollars on purchasing and maintaining only to have inadequate insurance protection for these vessels.
Do you have Actual Cash Value for your hull coverage? Or Agreed Value? What about Uninsured Boater Coverage? There are many unique exposures for the boat owner, and many different coverages available to meet your needs.
Murray & MacDonald Insurance Services can provide you with a variety of plans to cover your watercraft and help you choose a plan that is right for you.
A risk management service and asset protection program for high net-worth clients.
We work closely with you to create a customized solution for your personal risk exposures. We take time to understand you and what is vital to your financial security, resulting in an impressive client satisfaction rating of over 95%.
Your home is one of the biggest investments your family will make. Is it adequately protected? All homeowner's policies are not created equal. We can design a homeowner's insurance policy for you with special coverage to meet your family's unique needs.
Most homeowner's insurance policies do not cover the peril of "Flood." Don't let your home go unprotected. If you would like the peace of mind that comes with knowing you have done everything you can to protect the investment you've made in your home, then you need flood insurance.
According to the Federal Emergency Management Association (FEMA), one out of three homes damaged by flooding is outside the Special Flood Hazard Area (SFHA). Even if you are not located in a SFHA you can still be the victim of a flood.
Personal Excess Liability or Personal Umbrella Coverage increases liability coverage on existing policies. Homeowner's, auto, boat, and any other policy you may have that includes personal liability coverage.
To simply state, an Umbrella policy increases your liability coverage where your existing policies stop. For example, if you carry $500,000 liability coverage on your homeowner's a $1,000,000 umbrella policy will provide you an additional $1,000,000 in liability protection for a total limit of $1,500,000. Or if you have $250,000 of bodily injury coverage on your automobile policy, the personal umbrella will offer you an additional $1,000,000 coverage for a total of $1,250,000.
Murray & MacDonald Insurance Services can provide you with a variety of plans to cover your watercraft and help you choose a plan that is right for you.
Umbrellas have several choices of limits: $1,000,000, $2,000,000, $3,000,000, and $5,000,000. Often the difference in cost between $1,000,000 worth of coverage and $2,000,000 is not a great deal more even though the limit is twice as much.