Murray & MacDonald has many personal insurance plans designed to help you; the information below will help you to determine what plans work well for you. For further information contact Murray & MacDonald by calling 508-540-2400.
Your personal possessions are important, and need to be protected. Whether it's your home, automobile or boat, you want to know it's protected against loss. You want peace of mind.
Murray & MacDonald can provide you with various discounted plans to help you save money over standard rates. If you presently have personal insurance services, we will review your programs in order to better allocate your costs to maximize protection.
If you are interested in purchasing coveage, find the "Request proposal" links.
Personal Auto Insurance rates are mandated by the Commonwealth of Massachusetts. However, some companies do offer discounts in addition to safe driver credits.
Request an Automobile Insurance proposal
(Top of Page)
We represent a number of carriers who offer various association and employer-sponsored groups that you may qualify for.
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.
Request a Homeowner's Insurance proposal
(Top of Page)
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.
Umbrella policies can cover any vehicles that people in your household use. Young drivers with less than six years of driving experience may be an additional expense.
Primary, secondary, timeshares, out-of-state, rental property and vacation homes can all be covered under an umbrella policy. Often this coverage is sold as an additional endorsement or supplement to the homeowner's coverage on your primary homeowner's policy.
Watch out for coverage concerning a swimming pool. Carriers vary greatly on this subject; some don't have a problem with swimming pools, while others won't insure a home if the pool has a diving board.
You can cover a pleasure boat under an umbrella as long as you have liability coverage presently on the boat. In most cases, the insurance company will require a minimum of $300,000 to $500,000 in what they call "underlying coverage." Underlying coverage is basically liability coverage on an existing boat policy.
Some insurance companies do not like having the risk of an inexperienced driver and will not cover an automobile under a Personal Umbrella policy that has an inexperienced driver. Sometimes a "young driver" can be as old as 25 years of age.
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. With client satisfaction ratings over 95%—we're proud of our success—we take time to understand you and what is vital to your financial security.
For more information call us today