Massachusetts and Rhode Island Umbrella Insurance

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Exceptional service!

Exceptional service! The rare insurance company that seems to be genuinely interested in the well being of their customers and not just the well being of their own bottom line.
Lapointe Insurance
5.0
2017-09-20T19:15:13+00:00
The rare insurance company that seems to be genuinely interested in the well being of their customers and not just the well being of their own bottom line.

Great place with friendly people.

Great place with friendly people. Always quick to respond when in need. Sally's a great help as is all that work there. Would recommend to friends and family.
Lapointe Insurance
5.0
2017-09-20T19:20:03+00:00
Great place with friendly people. Always quick to respond when in need. Sally's a great help as is all that work there. Would recommend to friends and family.

Linda Pratt is great to work with always

Linda Pratt is great to work with always. Helped me convert my new company car to their requested insurance levels.
Lapointe Insurance
5.0
2017-09-20T19:17:30+00:00
Linda Pratt is great to work with always. Helped me convert my new company car to their requested insurance levels.

Best decision I ever made!

Glad I moved all my policies to Lapointe Insurance. Best decision I ever made! Sally Figueiredo was professional and knowledgeable. Highly recommended.
Lapointe Insurance
5.0
2017-09-20T19:20:32+00:00
Glad I moved all my policies to Lapointe Insurance. Best decision I ever made! Sally Figueiredo was professional and knowledgeable. Highly recommended.

A pleasure to do business with the office every time!

I asked Mike a question and he got back to me with updated answers 3 or 4 times. I also did business with Isabel and she was GREAT as usual. The entire office tends to be right on the ball. A pleasure to do business with the office every time!!!
Lapointe Insurance
5.0
2017-09-20T19:37:36+00:00
I asked Mike a question and he got back to me with updated answers 3 or 4 times. I also did business with Isabel and she was GREAT as usual. The entire office tends to be right on the ball. A pleasure to do business with the office every time!!!

She went up and beyond to provide excellent customer service

Instead of getting voice mail or brushed off Sally Figueiredo took control of the situation!!! She went up and beyond to provide excellent customer service and quick control and resolved the issue. Thank you Sally for being one of those great employees that make all the difference!!!
Lapointe Insurance
5.0
2017-09-20T19:18:43+00:00
Instead of getting voice mail or brushed off Sally Figueiredo took control of the situation!!! She went up and beyond to provide excellent customer service and quick control and resolved the issue. Thank you Sally for being one of those great employees that make all the difference!!!

I have always received excellent service.

Whenever I have called Lapointe Insurance, I have always received excellent service. Donna handles my account and she is always knowledgeable, pleasant and helpful whenever I contact the agency.
Lapointe Insurance
5.0
2017-09-20T19:22:37+00:00
Whenever I have called Lapointe Insurance, I have always received excellent service. Donna handles my account and she is always knowledgeable, pleasant and helpful whenever I contact the agency.

Highly recommend.

Excellent service. They always look to find the best coverage for their clients. Highly recommend.
Lapointe Insurance
5.0
2017-09-20T19:41:50+00:00
Excellent service. They always look to find the best coverage for their clients. Highly recommend.

Excellent staff

Excellent staff, everytime I need something they are on top of it and very promptly. My usual dealings are with Angela and she goes above and beyond every time. Five stars from me
Lapointe Insurance
5.0
2017-09-20T19:20:55+00:00
Excellent staff, everytime I need something they are on top of it and very promptly. My usual dealings are with Angela and she goes above and beyond every time. Five stars from me

Friendly, knowledgeable, prompt.

Mike Coleman and his staff are excellent. Friendly, knowledgeable, prompt. They find us the best rates for Homeowner and Auto Insurance. We feel very confident in them and their service.
Lapointe Insurance
5.0
2017-09-20T19:36:31+00:00
Mike Coleman and his staff are excellent. Friendly, knowledgeable, prompt. They find us the best rates for Homeowner and Auto Insurance. We feel very confident in them and their service.

Everyone there is always so helpful

I have my homeowners and auto insurance policies with Lapointe. Whenever I have had any questions or concerns, everyone there is always so helpful and responds immediately. I have recommended Lapointe to family and friends.
Lapointe Insurance
5.0
2017-09-20T19:21:48+00:00
I have my homeowners and auto insurance policies with Lapointe. Whenever I have had any questions or concerns, everyone there is always so helpful and responds immediately. I have recommended Lapointe to family and friends.

I cannot recommend them more highly.

We are a very small company with a very small home, but the Lapointe staff makes us feel very valued and considered. I cannot recommend them more highly.
Lapointe Insurance
5.0
2017-09-20T19:38:31+00:00
We are a very small company with a very small home, but the Lapointe staff makes us feel very valued and considered. I cannot recommend them more highly.

Linda Pratt has been wonderful.

Linda Pratt has been wonderful. I'm a new client as well as new to Massachusetts and she walked me through the process of buying my homeowner's insurance as well as how to go about getting my new driver's license and car registration. I recommend this agency highly.
Lapointe Insurance
5.0
2017-09-20T19:07:17+00:00
Linda Pratt has been wonderful. I'm a new client as well as new to Massachusetts and she walked me through the process of buying my homeowner's insurance as well as how to go about getting my new driver's license and car registration. I recommend this agency highly.

The BEST

Donna is most helpful, the BEST
Lapointe Insurance
5.0
2017-09-20T19:36:02+00:00
Donna is most helpful, the BEST

Knowledgeable, helpful & caring

Julie at Lapointe Insurance is very knowledgeable, helpful & caring. I feel I get Personal service from her which is rare in this day & age.
Lapointe Insurance
5.0
2017-09-20T19:37:55+00:00
Julie at Lapointe Insurance is very knowledgeable, helpful & caring. I feel I get Personal service from her which is rare in this day & age.

That’s pretty amazing!

Alice Morin is a treasure to our company and has assisted us with every possible need large and small. She is simply great to work with and I have every confidence in her expertise in whatever issue I bring up. Her prompt assistance and tremendous customer service has made dealing with business insurance a pleasure. That's pretty amazing!
Lapointe Insurance
5.0
2017-09-20T19:19:08+00:00
Alice Morin is a treasure to our company and has assisted us with every possible need large and small. She is simply great to work with and I have every confidence in her expertise in whatever issue I bring up. Her prompt assistance and tremendous customer service has made dealing with business insurance a pleasure. That's pretty amazing!

WOW! Thank you Isabel Carreiro!

WOW!!! Thank you Isabel Carreiro!!

The act of going above and beyond in order to accommodate a new client is the hallmark of The Lapointe Insurance Agency!!!
Lapointe Insurance
5.0
2017-09-20T19:40:51+00:00
WOW!!! Thank you Isabel Carreiro!! The act of going above and beyond in order to accommodate a new client is the hallmark of The Lapointe Insurance Agency!!!

I think she deserves a raise!

My Insurance agent at Lapointe is Erin Plocica and she is fabulous! We recently got into an accident so there were a lot of moving pieces to figure out and she was on the ball and looked into everything I needed her to efficiently. I think she deserves a raise!
Lapointe Insurance
5.0
2017-09-20T19:41:16+00:00
My Insurance agent at Lapointe is Erin Plocica and she is fabulous! We recently got into an accident so there were a lot of moving pieces to figure out and she was on the ball and looked into everything I needed her to efficiently. I think she deserves a raise!

Absolutely amazing!

We ran into a little trouble with one of the providers but John was amazing and kept helping and suggesting ideas that would get me the best deal. Absolutely amazing!
Lapointe Insurance
5.0
2017-09-20T19:42:20+00:00
We ran into a little trouble with one of the providers but John was amazing and kept helping and suggesting ideas that would get me the best deal. Absolutely amazing!

I highly recommend this agency.

Anyone to whom I have spoken in the North Attleboro office has always been patient and clear with explanations to me as to how the insurance works and what the insurer needs; they are excellent intermediaries and wonderful people to have on your side! I highly recommend this agency.
Lapointe Insurance
5.0
2017-09-20T19:16:55+00:00
Anyone to whom I have spoken in the North Attleboro office has always been patient and clear with explanations to me as to how the insurance works and what the insurer needs; they are excellent intermediaries and wonderful people to have on your side! I highly recommend this agency.

Very helpfully staff.

Lapointe Insurance
5.0
2017-09-20T19:17:51+00:00

All aspects of our experience has been 1st Class

Have been a customer for going on 3 years and could not ask for better more professional service.
All aspects of our experience has been 1st Class. Thanks for all your help and consideration
Lapointe Insurance
5.0
2017-09-20T19:19:41+00:00
Have been a customer for going on 3 years and could not ask for better more professional service. All aspects of our experience has been 1st Class. Thanks for all your help and consideration

Julie is always very polite and helpful

Julie is always very polite and helpful in answering all my questions and taking care of my home owner's policy. She is an asset to Lapointe Insurance Agency.
Lapointe Insurance
5.0
2017-09-20T19:39:54+00:00
Julie is always very polite and helpful in answering all my questions and taking care of my home owner's policy. She is an asset to Lapointe Insurance Agency.

Well done!

Julie and Isabel were on top of our needs, anticipated the next steps and made it seem easy. Well done!
Lapointe Insurance
5.0
2017-09-20T19:38:56+00:00
Julie and Isabel were on top of our needs, anticipated the next steps and made it seem easy. Well done!

Excellent rates and customer service

I have a homeowners policy and a Liability Policy with Lapointe. They have excellent rates and customer service. Someone is always available to help or answer questions I have.
Lapointe Insurance
5.0
2017-09-20T19:39:25+00:00
I have a homeowners policy and a Liability Policy with Lapointe. They have excellent rates and customer service. Someone is always available to help or answer questions I have.
5.0
25

So now you have a great home insurance policy, and the best auto policy you can get. But are you sure that is enough? It could be. But it’s also possible you’re still not fully covered. What if something happens that exceeds your liability limits, or you have a gap in coverage?

 

Imagine your daughter just got her license and she’s driving your car in the rain. She loses control of the vehicle and causes a multi-car pileup on the freeway. Or suppose you volunteer to drive some of your son’s soccer teammates to a tournament, and you have an accident?

If your primary coverage isn’t enough, you will end up paying the remainder of the claim out of pocket. But if you have an umbrella policy, you’re covered. As the name suggests, this special policy gives you an umbrella of additional liability coverage to give you shelter from incidents like this.

A Rhode Island or Massachusetts umbrella insurance policy can protect you from claims that extend beyond the liability coverage limits of your home, auto, renters, boat, or other personal liability policies. If the cost of a claim ends up being more than the liability limits on one of the underlying policies, you’re protected.

A personal umbrella policy provides additional insurance for property damage or bodily injury beyond your regular insurance policies, but they also extend to some things not usually covered. In this way, the umbrella insurance policy works to fill in some gaps. Some situations such as the cost of providing a court defense, or “personal injury” offenses like libel or slander may not be covered by the underlying policies, but an umbrella will cover them. In other words, the umbrella kicks in when a normally covered situation exceeds the limits of your regular insurance policy, or the underlying policy doesn’t cover them to begin with.

Is a Rhode Island or Massachusetts umbrella insurance policy right for you? Historically, wealthy people in MA and RI with sizable assets have purchased personal umbrella policy coverage. This is no longer the case. Since our society has become more litigious, people of all income levels are choosing to extend their liability coverage. The greater your risk factors, the more you will need to protect yourself. Some high-risk factors include:

• Owning a personal watercraft
• Having a young driver in the family
• Owning a swimming pool
• Owning a recreational vehicle

Think about what could happen if everything you’ve worked so hard for was at risk because of a lawsuit that went beyond your normal homeowners insurance or auto insurance limits. Are you going to be able to pay out of pocket if you cause a multi-car accident and your limits don’t cover the total cost of the claim?

Yes, these things rarely happen, but it is our job to help you plan for the things you don’t want to think about. You can never be too careful, and as it turns out, adding an umbrella policy is one of the most affordable ways to protect yourself. We’ve found that MA and RI umbrella insurance policies can be purchased for a low cost, while providing plenty of coverage so you don’t have to worry about your potential liability risks in the future.

Different umbrella policies cover different things, and the coverage is provided in increments of $1,000,000. Premiums can vary between each company based on a number of factors that affect how much risk a specific person has, like the underlying policy limits, the number of vehicles or properties, and more.

The best way to find out what you need is to carefully review your policy details. That being said, you’d be best off calling one of the experts at Lapointe Insurance to see what you need. We work with over a dozen carriers to help get you the best policy for your unique situation, at a great price. Give us a call, shoot us an email, or fill out a form online to get the conversation going. We are here to help!

Other Coverages to Consider

MA and RI personal auto insurance

Auto Insurance

Trying to find great car insurance on your own can be a daunting task. But with Lapointe Insurance, you’ve got a team of trusted experts ready to make sure you can get the right coverage for your unique needs, for the best price possible.

MA and RI life insurance

Life Insurance

Anyone who provides financial support for others, should consider buying a life insurance policy of some kind. That could be married couples, parents, or even single people who take care of their aging parent or another loved one.

MA and RI home insurance

Home Insurance

As independent agents, Lapointe Insurance is ready to help you protect everything you’ve worked so hard for. We’ll show you why shopping local and working with a local, independent insurance agency is the best decision you can make for your family.