AUTO HOME LIABILITY UMBRELLA
Auto insurance isn’t only important because you need to protect your vehicle investment, in Massachusetts it’s the law. Consolati Insurance offers Massachusetts drivers various different types of insurance to protect you, your family and your vehicle.
BODILY INJURY LIABILITY
Bodily injury coverage protects the insured and listed family members if they are injured or cause injury to others in an auto accident. This coverage also protects the insured if they are driving someone else’s car with their permission.
Medical payments coverage pays for the care of injuries to passengers when they are in an accident. Depending on the amount of cover you carry, medical payments can also cover medical costs, lost wages and funeral expenses.
PROPERTY DAMAGE LIABILITY
Property damage liability coverage insures you for the damage you do to another person’s property. Typical items covered are fence posts, lamp posts, guard rails, buildings and other structures that end to jump in front of your car unexpectedly.
Collision insurance covers damage caused to your vehicle by colliding with another vehicle or object.
Comprehensive insurance covers your vehicle from theft, and damage by something other than damage from another vehicle such as falling objects, explosions, hail or vandalism. Additionally, comprehensive insurance will pay to replace or fix broken windshields and windows.
UNINSURED AND UNDERINSURED MOTORIST COVERAGE
If you are hit by an uninsured driver or are the victim of a hit and run accident, this type of coverage will allow for you to be reimbursed for damages. Underinsured motorist coverage is used when an at-fault driver does not have enough insurance to pay for the costs to repair your vehicle.
Is your property at risk for flood damage? Typical homeowners’ policies do not provide coverage to damage and losses caused by hurricanes, heavy rains rising water, flooding or melting snow. If your home is located in a flood zone you may even be required by your mortgage company to carry flood insurance. Even if you don’t live near a lake or river, be aware that one in four flood claims are made by people living outside of designated flood zones.
HOMEOWNERS / CONDO OWNERS / RENTERS
Whether you are living in your first apartment, the house of your dreams or if you are downsizing into a condo, your home is where you raise your family entertain your friends and live your life. As such, it is important to protect your investment that you have made in your home, property and life.
A typical homeowners policy will provide financial protection in the event of an accident, or other incident causing losses and damages to your home. Homeowners insurance will help to pay to repair or replace losses based on current building codes, including the replacement of your personal property such as clothing, jewelry, and other personal possessions in the event of loss. Additionally, homeowners’ policies provide protection to the insured in the event of an injury to a guest or if you are legally liable for damage caused to another person’s property. Homeowners policies also offer protection against damages caused to unattached structures on your property such as fences, garages and sheds.
Your landlord carries an insurance policy covering them in the event of loss or damage to their building but that coverage does not insure the tenant. A tenant must purchase renters insurance in order to protect themselves in case of fire, theft or damage. Additionally, renters insurance provides liability coverage protecting the insured from the risk of an accident occurring in their apartment.
Condo insurance is a special type of insurance designed specifically for the unique needs of a condo owner and provides coverage for contents, loss of use, personal liability and medical payments but does not cover shared spaces such as hallways or roofs that are usually insured through the condo association.
RV / ATV / BOAT / SNOWMOBILE
Whether you are on the road or off the road, Consolati insurance has competitive rates for your camper, trailer, snowmobile, golf cart, 4-wheelers, dirt bikes, jet skis, boats and other toys. Types of insurance available are similar to auto policies – (link to auto descriptions) bodily injury, uninsured bodily injury and property damage, comprehensive and collision and medical payments.
SPECIAL EVENT CANCELLATION AND LIABILITY INSURANCE
Whether you are planning the wedding of your dreams, a birthday party, anniversary or other special event, sometimes unforeseen circumstances like extreme weather, accidents, military deployment, vendor bankruptcy or illness could cause you to cancel your event. Special event insurance can reimburse you for non-refundable deposits and covers additional losses and damages such as lost wedding rings, damaged gifts, damages to event facilities and injuries to guests at your event.
You’ve worked hard for your car, home, savings — your life. Umbrella insurance provides additional coverage over the limits of your existing liability coverage of your other personal liability policies in order to protect your assets from the unexpected. It’s an affordable way to keep an extraordinary accident or injury from becoming a financial life-changer.