Personal Insurance from Massachusetts Experts

Scotti Insurance Agency

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Personal Insurance in Massachusetts

Throughout life, people face many unexpected events. Some are good, some are bad and many are difficult to prepare for. Personal insurance coverage gives Massachusetts residents a way to prepare for the bad events in life that cause injury, damage, and financial loss.

What is Personal Insurance?

“Personal insurance” is normally used to distinguish personal policies written for individuals from commercial ones that are written for businesses. In most cases, personal coverage only provides protection for people (as opposed to businesses).

What Kinds of Personal Coverages Are Available?

There are many different types of personal coverages that people can use to protect themselves. A few common coverages that many residents purchase are:

  • Homeowners, Condo, or Renters Insurance
  • Auto Insurance
  • Health and Disability Insurance
  • Life Insurance

Other forms of personal coverages that are available include everything from boat or RV insurance to long-term care insurance. Even travel insurance and wedding insurance are options for those who need them.

What Massachusetts Residents Need Personal Coverages?

Most Massachusetts residents need at least some personal coverages. After all, life happens — and it happens regardless of people’s circumstances. Homeowners need coverage for their houses, but renters still need protection for their personal belongings. Similarly, almost everyone can benefit from health and disability insurance, as illnesses and injuries don’t discriminate.

How Much Does Personal Coverage Cost?

The cost of personal coverage can vary widely. A particular policy’s premiums depend on what protections it provides and many other factors, some of which can be controlled and others that can’t be. In most cases, though, personal policies are affordable. The protections they offer are usually worth the premiums they cost.

Residents can ensure they get affordable quotes on personal policies by comparing rates for policies with an independent insurance agent. An independent agent isn’t obligated to promote any one insurance company, so they can show clients quotes from many insurers in the state.

Does It Take Long to Get a Personal Policy?

Getting a personal policy can be a quick process, but it also can take a while. For example, drivers can often get auto insurance in just a few minutes. Getting life insurance, however, frequently requires getting a physical (which must be scheduled) and having bloodwork done (which must be sent to a lab). There also can be clarifying questions that the underwriter asks that further prolong the process. To go through all the steps, it can take several weeks, but it is definitely worth the time.

Who Can Residents Talk to About Their Personal Coverage Needs?

Massachusetts residents can talk with both their company’s human resources representative (if they’re employed) and an insurance agent about their personal insurance needs.

A human resources representative won’t be able to help with all types of personal policies, but they will be able to explain what coverages the company provides and makes available. Many employers offer health, short-term disability, long-term disability, long-term care, and life insurance benefits to employees, and a human resources representative will be able to explain any of these coverages that an employer offers.

An independent insurance agent can help residents with all their personal insurance needs that their employer doesn’t offer. As mentioned, an independent agent is able to request quotes for personal coverages, but that’s not all they do. They’re professionals in the insurance industry, and they’re well-versed in the different types of personal policies that are available to Massachusetts residents. They’re highly qualified to answer most insurance questions that people have.

Let’s talk today!


For quotes or questions, reach out to the experts at Scotti Insurance Agency. We’ll be happy to assist you!

Scotti Insurance Agency

Scotti Insurance Agency

19 Mount Vernon Street
Winchester, MA 01890