Should Renters Purchase Umbrella Insurance?

In today’s world, you need insurance for just about everything, and there are numerous types that cover all different costs and situations. Even though there are specific coverages, sometimes the baseline insurance policy doesn’t cover everything. Wouldn’t it be nice to not have to worry whether something is fully covered or not? That’s exactly what umbrella insurance is for, from covering home owners, renters, auto, and much more.

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Umbrella Insurance: Why You Need Extra Coverage

Umbrella Insurance: Why You Need Extra Coverage Protecting your family and your investments is your number one priority. What happens when you’re involved in an accident and your insurance is simply not enough to cover the damages and other costs? This is why at TJ Woods, we understand that situations like this do happen. We offer an insurance policy, called umbrella insurance, that provides protection to your standard homeowner, auto, or boat insurance to take care of extra expenses and provide you the coverage you need. [Read more…]

Do You Need Boat Insurance for Your Craft?

Boat Insurance, TJ Woods Insurance Agency, Worcester, MAEven more than homes or cars: boats – and watercraft in general – come in a staggering array of shapes, sizes, and roles. From single person personal watercraft to marina yachts, their housing, transportation, and costs vary widely. With such varied values and risks, and different locations for these risks to occur, it can be difficult for owners to judge the risk and necessity to insure the watercraft, especially when both Homeowners’ Insurance and Car Insurance can also provide coverages. This article goes over what coverage these insurances provide, as well as situations where you’ll need additional coverage. [Read more…]

What Is Umbrella Insurance?

What Is Umbrella Insurance? - TJ Woods Insurance - Worcester, MAYou likely have insurance of all types. You may have house insurance, car insurance, life insurance, or even boat insurance. These are of course, specific coverages which are limited in what they can protect you against. If you get in a car accident, your house coverage won’t do you any good. The problem is arises if you specific coverage, like your car is not sufficient. In order to address, this issue umbrella insurance was created.

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What is Umbrella Coverage and Why it is Important?

Most people think that umbrella insurance is only for wealthy people, but this is a myth. With the increasing amount of lawsuits today, umbrella insurance is a must for all people. The problem is that many people do not buy umbrella insurance either because they do not see it as necessary, or they do not know what it is. After reading the following, you will fully understand what umbrella insurance is, and why it is important.

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Should I Get Umbrella Coverage?

Most people do not consider the possibility of being sued when they are purchasing insurance. [Read more…]