Protecting Your Family

Home and auto insurance are two of the most advertised products you will find on television today. In fact, they may be second only to personal injury commercials that focus on attacking those very insurance companies. The insurance industry is investing Billions of dollars in advertising to make you believe insurance is a commodity and all policies will take care of you in the same manner. This drives most people to pick up the phone, dial a call center or go online and see if they can get a great deal to save 15% or more!

What most people don’t realize, is many times the most important aspect of the insurance equation does not come from the premium cost or policy limits. When a loss occurs, who your insurance advisor is and what type of company they partnered you with become far more important. Don’t wait until after a loss to learn if you are truly protected.

Home Insurance

As you stand in front of your house after a large disaster, is your first thought “I am glad I got the cheaper insurance”. For many people, your home is your largest asset and you have invested hundreds of thousands or even millions of dollars in it. Given the amount of investment you have in your home, wouldn’t you want to make sure it is protected with the same level of care you put into choosing it? A typical home insurance contract is over forty pages of “legal speak”. Do you think those forty pages are there to find more ways to pay your claim? Spoiler alert, they aren’t. All home insurance is not created equal and the difference could cost you far more than you realize.

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Auto Insurance

Most people these days begin their auto insurance search online looking for the best deal available. But with all of the different coverage and company options, are you sure you know what the best deal is? If you total your car tomorrow, do you know how much you will be paid? Do you have enough liability protection to cover your assets if you are found liable in an auto accident? Do you have enough coverage for your OWN injuries if you are seriously injured by an uninsured motorist? You would be amazed at the amount of limitations and exclusions found within your auto policy. Don’t wait until after the accident to find out what sort of coverage you have, let us educate you now so you aren’t left with regrets…and a large bill…later.

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Umbrella Insurance

Your teenage driver has just been involved in an auto accident. Luckily they are ok but the person they hit is being carrying off in an ambulance. In today’s litigious society, large lawsuits have become commonplace for far less than the scenario described above. If you only have $100,000 of liability insurance, who is paying to protect your assets from the $1,000,000 lawsuit filed by the other party? That’s right, you are. Umbrella, or excess personal liability insurance, is the most affordable coverage available in the personal insurance market. Would you risk your entire net worth to save $15 a month? Townley Kenton will help fold this into your overall protection program and make sure that you sleep soundly knowing everything you worked for isn’t at risk when something happens.

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Personal Risk Consulting

While we believe the foundation of a solid risk management program is making sure your assets are properly insured, that is only half of the picture….and we would argue, the less important half. At the end of the day what is more important than the safety and health of your family? At Townley Kenton we would say nothing is. That is why we endeavor to make sure all of our clients have access to resources that not only provide financial protection but also resources to help keep you and your family safe. From Defensive Driving courses to Home Safety assessments we are committed to doing all we can keep you and your family safe.

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High Net Worth Clients

When you were a teenager on your parent’s insurance policy, you likely didn’t think much about the insurance protection you needed. Eventually, they kicked you off their policy and you got your own coverage with the same insurance company. As the years passed, you added a home, then a bigger home followed by more expensive cars and other toys such as boats, jewelry and fine arts. During all of this transition you were still covered by the same insurance company that insured your apartment and 1976 Dodge Charger. The problem is, your parent’s insurance company is not set up to protect the extensive assets you have accumulated over that time. You need a team of advisors able to create a full personal risk management plan and place you with an insurance company that knows how to protect your extensive assets. You have the best of everything in life, your insurance company should be no different.

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Home Insurance

Auto Insurance

Umbrella Insurance

Personal Risk Consulting

High Net Worth Clients

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