Personal lines insurance

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MWIG & DISNE provide a full spectrum of products and services for home, condominium, renter, auto, boat, personal umbrella, and fine art coverage. We are fully versed in Comprehensive Personal Insurance and provide experience and expertise that is needed in today's complex and competitive world.

 

As an independent agent, we represent numerous personal insurance companies offering a variety of coverage and price options. Equally important, we listen. We take the time to understand your individual and family needs. We help you find the coverage you need at a price you can afford.

 

** IMPORTANT REMINDER - combining your auto and homeowner coverage could save you as much as 30% **

 

  • auto
  • homeowners
  • fine arts
  • umbrella

MWIG & DISNE provide a full spectrum of products and services for automobiles. With personalized customer service and online access to the Registry of Motor Vehicles, we offer convenience and peace of mind to the insured. By grouping your Personal Lines Insurance, we can obtain package credits to reduce your premium. Contact us today to see how we can help you!

 

Auto insurance is a contract between you and the insurance company. As long as you pay your premium, the insurance company agrees to provide you and others with the benefits to which you are entitled based on the coverage definitions and limits of your policy.

 

Liability Coverage

  • Liability coverage is designed to reduce the amount of financial responsibility you face in the event of an accident.
  • Bodily Injury Liability: This type of coverage provides protection for injury for which you may be responsible, and
  • provides for legal defense in case of a lawsuit.
  • Property Damage Liability: If your car damages someon's property, this coverage protects you from cost and lawsuits. Coverage limits are the maximum amounts that will be paid per accident.

 

Physical Damage Coverage
  • Comprehensive Coverage: This type of coverage protects your car from incidents other than accidents, such as damage by flood, fire, or theft.
  • Collision Coverage: In case of accident, your car is covered under this plan. Insurance pays to fix your vehicle less the deductible amount.

 

On April 1, 2008, Massachusetts entered a new era in auto insurance. Insurance companies can now file independent pricing plans with the Massachusetts Department of Insurance. As an insurance buyer, you are faced with the task of making coverage decisions and finding the most competitive price. For additional auto insurance information from the Massachusetts Division of Insurance, click here.

 

Click here to get a quote.

 

Homeowners insurance is a package policy. It covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to others.

 

A homeowners insurance policy generally includes four types of coverage:

  • Coverage for the structure of your home
  • Coverage for your personal belongings
  • Liability protection
  • Additional living expenses

 

Homeowners policies differ based on the level of coverage you would like, and whether you own your home, rent your home, or live in a condominium. Also, insurance companies offer a variety of pricing plans for each type of coverage.

 

Click here for additional homeowner coverage information.

 

Click here to get a quote.

Homeowners insurance policies generally limit coverage for furs, jewelry, electronics, art, and collectible items such as stamps or coins. Policies often specify the maximum total amount that will be paid for all items damaged by an insured peril, as well as the maximum payout for any one item. If the value of certain groups of possessions exceed the limits specified in the homeowners policy, additional coverage is needed.

 

In some cases, the additional coverage can be added to your homeowners policy by endorsement. In other cases, you may want a separate policy for your valuable possessions or collectibles. Scheduling or itemizing these possessions also broadens the coverage available to include such perils as breakage and mysterious disappearance. Generally, each item has a scheduled value so there is a clear understanding of worth in the event of a loss. Insurance companies often require an appraisal to determine the value of scheduled items.

Auto, homeowners, and boat policies provide liability coverage in case you are liable for injury or property damage to others, but only up to the limits specified in each policy. In today’s litigious society, that may not be enough protection.

 

Umbrella insurance provides an added layer of liability protection on top of the liability coverage that exists in your other policies. The umbrella policy takes over when the liability limits have been reached on any of the underlying policies, thus, the name umbrella insurance.

 

Personal lines policyholders can usually add $1 million to $5 million in umbrella coverage, however, insurance companies generally require minimum liability limits on all underlying policies before they issue an umbrella policy.

 

Umbrella insurance tends to be relatively inexpensive for the additional liability protection. Plus, you gain the peace of mind knowing that you are covered in the event of an expensive lawsuit.