Haberman’s air tight insurance coverage can provide benefits that help minimize the long-term financial effects of these unfortunate events. As a trusted personal insurance agency in the city of West Springfield and the entire area of Western Massachusetts, we embrace this community as more than just a place to do business.

We believe that you shouldn't have to worry about financials when you are dealing with an unfortunate situation. Our agents are committed to helping you through any loss with the compassion and expertise that has defined Haberman since 1932. Check out some of the different personal insurance coverage options that we have ready for you. 

What Are Personal Insurance Policies?

Everyone can succumb to the unexpected. Sometimes unexpected surprises bring good fortune, but other times accidents bring struggles and financial difficulties. Because it’s difficult to prepare for every potential unexpected incident that brings misfortune, there are personal insurance policies. These help Massachusetts residents prepare for what life might throw their way.

“Personal insurance” is used to distinguish insurance policies that are written for individuals from those that are written for businesses (business’ policies are typically referred to as “commercial insurance”).

In a few cases, personal policies might offer some protections for a business. For example, a resident who runs a home-based business might be able to insure their home office through their homeowners insurance policy, which is a personal policy. These situations are relatively uncommon, though, Additionally, when a personal policy is used in this way, the policy’s terms, conditions, and exclusions should be closely reviewed to make sure its protections are properly understood.

Personal Insurance Massachusetts

What Personal Policies Are Available?

Because people face many different potential risks, insurance companies offer lots of different personal policies. All of the following are normally considered personal policies:

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What Massachusetts Residents Should Consider Getting Personal Coverage?

Most residents of Massachusetts need at least some personal coverage. After all, unexpected accidents happen to everyone and can impact just about anybody’s situation. Here are some specific reasons why certain residents may want a personal policy:

  • Residents who financially support others might want life insurance to ensure that their loved ones will be cared for if they pass away unexpectedly
  • Homeowners are frequently required by the terms of their mortgages to carry homeowners insurance
  • Anyone who drives a car on public roads in Massachusetts normally needs to meet the state’s minimum auto insurance requirements
  • Residents who have lots of assets might wan the extra protection that a secondary personal umbrella insurance policy provides
  • Travelers may want travel insurance to protect their deposit on a trip
  • Almost everyone can benefit from health insurance, and might also want disability and long-term care coverage

Personal Insurance Massachusetts

How Much Does Personal Coverage Cost?

Personal coverage costs vary widely, for each different type of coverage has its own set of considerations and range of premiums. Individuals who want to ensure they don’t pay any more than they have to for a particular coverage can compare policies from different insurers with the aid of an independent insurance agent.

How Long Does Getting Personal Insurance Policies Take?

How long getting personal coverage takes depends on the type of policy being procured. For example, quotes for car insurance can often be obtained in just a few minutes. Getting life insurance, in contrast, might take several days or weeks, because an underwriter may require a physical and have follow-up questions.

Residents who want a personal policy sooner rather than later can ensure the process moves along as quickly as possible by working with an independent insurance agent. An independent agent will know what questions an insurance company is likely to ask, and they can easily request quotes from multiple insurers.

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How Can Residents Get Personal Policies?

Massachusetts residents who want personal insurance ought to contact an independent insurance agent near them. In addition to helping clients save one coverages by comparing quotes from different insurers and moving the application process along, independent agents can also help review residents’ risk exposure and current insurance portfolio. If any changes need to be made, agents are qualified to offer recommendations on how insurers can better protect themselves from the unexpected.

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