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Auto Insurance for Every Type of Driver and Every Kind of Vehicle

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Driving mandates insurance coverage; it’s the law. However, in certain situations, such as accidents or damage to your vehicle through fire, flood, or another car, the basic coverage may not suffice. Hence, residents in and around South Kingstown, RI, trust Kingston Insurance Agency LLC’s experienced and cordial team for auto insurance solutions and necessary protection on the road.

Efficient Protection for Every Driver and Vehicle

One remarkable aspect of auto insurance is its universal appeal to every kind of driver. For most, a good driving record is an accomplishment to take pride in. Regardless of your record, your auto insurance coverage never judges. It might cost a tad more if you’ve had a few accidents, but a plan is always available to ensure your protection. That’s why consulting with an experienced and trusted agent is helpful to optimally configure your auto insurance solutions, irrespective of your driving style or vehicle type.

Inclusive Protection And Insurance Solutions for South Kingstown Drivers

If you’re residing in or around South Kingstown, RI, and require an auto insurance quote or vehicle coverage, our Kingston Insurance Agency LLC team is ready to assist. Appropriate insurance coverage is crucial for road safety. As the old saying goes, preparing for a rainy day is best. Contact us to schedule an appointment and get the necessary auto insurance solutions at Kingston Insurance Agency LLC today.

Personalize Your Personal Watercraft Insurance Policy

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All About Personal Watercraft Insurance in South Kingstown, RI

If you’re a personal watercraft (PWC) enthusiast and love taking your WaveRunner, Sea-Doo, or Jet Ski to the lake, you likely understand the significance of preparedness. It’s about protecting your PWC and ensuring your peace of mind while enjoying the waves. Aligning the right boat/watercraft insurance is important to this preparedness. At Kingston Insurance Agency LLC in South Kingstown, RI, we’re here to facilitate your insurance needs before you embark on your next water adventure.

It’s Personal – Protecting Your PWC

Ensure your marine or boat insurance covers the watercraft type you prefer. At the minimum, you’ll need coverage for bodily injury, medical payments, and property damage to help you navigate the waters worry-free. These form the baseline of your watercraft coverage. A consultation with your insurance agent can make you confident about having ample coverage commensurate with your usage.

Insurance for All Water Vehicles

If you already possess boat insurance, you understand the importance of separate coverage for your watercraft. Remember to include every personal watercraft in your garage under your insurance coverage.

Tailoring Your Insurance Policy

Usage specifics of your watercraft may necessitate additional coverage. For instance, if you use your watercraft to compete, you’ll need more extensive insurance coverage than weekend water enthusiasts. Similarly, if you lend your watercraft to friends, you might face additional liability, necessitating extra coverage.

Our team of boat insurance professionals can guide you in considering unique coverage requirements. For instance, if you possess a dock on your property, you may need to extend your coverage beyond a standard watercraft policy.

Review your coverage to ensure it also extends to damage to other crafts. Not every policy covers all possible risks, so read your policy carefully. Our team can assist you in ensuring your policy covers physical damage to the hull, equipment, and machinery on your boats and watercraft.

Consider Additional Coverage

It is worthwhile to consider covering personal items that could be lost or damaged while using your watercraft. Furthermore, roadside assistance coverage takes care of the cost of towing your trailer or tow equipment if it breaks down while transporting your PWCs.

For a free PWC insurance quote, contact the Kingston Insurance Agency LLC team in South Kingstown, RI, to schedule an appointment.

Protecting Your Investment with Spare Parts for Your Classic Car with Classic Car Insurance

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Owning a classic car in and around South Kingstown, RI is a cherished investment for many enthusiasts, combining passion with fiscal commitment. Classic car insurance offers comprehensive coverage tailored to classic vehicles’ unique needs, including spare parts provisions. Understanding how the spare parts coverage works within classic car insurance is crucial to protect your beloved investment.

Importance of Spare Parts Coverage

Classic cars often need specialized parts that are rare, expensive, and sometimes challenging to source. In classic car insurance policies, spare parts coverage offers critical financial protection if these parts are damaged, stolen, or lost. This coverage is vital for maintaining the authenticity and value of your classic car, as tracking down replacement parts can be both difficult and expensive.

Scope of Spare Parts Coverage

Spare parts coverage often includes protection for various components crucial to your classic car. This coverage can encompass everything from engine and transmission components to body panels and interior fittings. Policies typically cover parts stored on and off the insured vehicle, providing flexibility for collectors who have additional parts stored in garages or workshops.

The Benefits

Classic car insurance is designed to meet the needs of vintage and classic vehicles, offering advantages beyond standard auto insurance policies. A significant benefit is the agreed value coverage, where the insurer and the car owner agree on the car’s value when the policy is established. In the event of a total loss, this agreed-upon amount is paid out, ensuring you receive the actual value of your investment.

Kingston Insurance Agency LLC Is Here For You

Kingston Insurance Agency LLC is here for you when you need insurance information. Our services are available in South Kingstown, RI, and the surrounding areas. Contact us today.

Why Your Business May Need Recreational Insurance

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If you operate a business that involves outdoor recreational activities, you must have the right insurance coverage. Recreational insurance is specifically designed to cover businesses that offer recreational activities. This insurance type is crucial; no recreational business should be without it. Contact the Kingston Insurance Agency LLC in South Kingstown, RI for your insurance needs.

Outdoor Businesses

A wide range of outdoor activity businesses are available, from kayaking and rock climbing to hiking. These activities are highly enjoyable, but they are not without risks. All customers who participate in these activities face potential dangers. Recreational insurance is available to help mitigate risks for your business. It can cover accidents and injuries incurred during these activities. This insurance is also applicable to indoor recreational businesses such as rock wall climbing and indoor skydiving.

Liability Risks

The primary risk for your business when offering these activities is liability for accidents. Recreational insurance can cover the medical bills and other costs resulting from a customer’s injury. If an accident causes a customer to lose wages, the policy can compensate those lost wages. It can also cover legal costs associated with the accident. It is crucial to always have this insurance because injuries can occur at any time and place. It doesn’t have to be a strenuous activity for an accident to happen.

Get Recreational Insurance

Recreational insurance is a necessity if you operate a business of this kind. Ensure that you are always covered by calling us at Kingston Insurance Agency LLC in South Kingstown, RI.

Kingston Insurance Agency’s Guide to Motorcycle Insurance in Rhode Island

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When motorcycle riders in the South Kingstown, RI region meet with Kingston Insurance Agency LLC representatives, they can find policies that best suit their personal needs. Unfortunately, some common pitfalls arise once it comes time to zero in on the proper policy. Thanks to the following guide, you can avoid them with ease!

Auto Insurance Policies Are Not Always Inclusive

Many riders will make the mistake of assuming that their current policy also offers coverage for their motorcycle. This is not always the case, especially if you have not taken the time to include specific language to this effect. In most instances, you will need to purchase separate policies for an automobile and a motorcycle. Ask the experts if any bundling options are available.

Borrowing a Motorcycle Could Lead to Calamity

Other riders may assume they are covered when they borrow a friend’s motorcycle. However, nothing could be further from the truth. If the bike is only insured in their name, you are not protected if an accident takes place. The same principle will typically apply if you make the mistake of lending your motorcycle to a friend who is not listed on your insurance policy.

Canceling Policies In The Winter Is Not Always Wise

Those who choose to cancel their policies once the weather turns are placing themselves at risk. While the same liability risks may not exist once the motorcycle is not being used regularly, that does not mean that the same off-road risks do not apply. In many instances, canceling a policy during the cold weather months is an avoidable mistake.

Motorcyclists in South Kingstown, RI, who have additional questions or concerns are welcome to visit Kingston Insurance Agency LLC as soon as possible. Contact our team of professionals so that we can help you understand the policy options that are currently available to you.

How Your Other Policies Help Gauge Umbrella Insurance

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Living in South Kingstown, RI, having a few assets is common. Maybe you own your vehicle, a home, or anything else. When that’s the case, those assets can create liabilities if something goes wrong and you get sued.

You can consider an umbrella policy to help cover you in such a case. How much umbrella insurance do you need? The answer to that question depends partly on your other insurance policies. Fortunately, Kingston Insurance Agency LLC has a quick guide to help.

The Purpose of Umbrella Insurance

Gauging umbrella insurance makes some sense just by thinking about how it works. After all, umbrella insurance does not function on its own. Instead, it’s designed specifically to supplement liability coverage from your other policies.

If you get into an auto accident, umbrella insurance only kicks in after the auto policy is exhausted. If you have a liability issue with your home, it’s the same story. The primary insurance works first.

Filling in the Gaps

With this in mind, you can start by looking at the liability coverage in your other policies. Where does it cap, and how much does that leave you vulnerable? 

Naturally, the answer to this question depends on the value of your assets. If you have six figures of coverage and seven figures of assets, you need an umbrella policy to fill those gaps.

Remember one thing. You do not need multiple umbrella policies. A single umbrella policy will supplement your auto insurance, home insurance, boat insurance, etc. The only time you need an additional umbrella policy is to cover non-personal assets (such as a policy for a business you own).

If you want the best picture of the right umbrella policy for you and your lifestyle, have an easy conversation with your Kingston Insurance Agency LLC representative. They can help you identify your assets and coverage in South Kingstown, RI, and craft a policy from there.

Why South Kingstown Residents Need Umbrella Insurance: A Comprehensive Guide

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The Exciting Life in South Kingstown, WI

Whether you love engaging in DIY projects at home, venturing out to explore the town, or sailing across the serene waterways, South Kingstown, WI provides a vibrant life. Amidst these thrilling activities, it’s crucial to have adequate insurance coverage. And that’s where umbrella insurance, a critical albeit often neglected component of an insurance suite, steps in. Allow our Kingston Insurance Agency LLC experts to illustrate why it’s so crucial.

The Remarkable Power of Umbrella Insurance

Imagine a scenario where an accident exceeds your regular insurance policy limits, a reality that’s always a possibility, given how unpredictable costs associated with accidents can be. That’s where an umbrella policy shines. It’s designed to cover what your regular insurance policies, such as homeowners, auto, and watercraft insurance, cannot.

In a scenario where a policy covers $10,000 of damage, and an accident results in $20,000 of damage, an umbrella policy would cover the remaining difference. Without this umbrella insurance, you’ll have to bear these costs, which can be disastrous for your finances.

Achieving Sufficient Coverage

The coverage limit on your umbrella policy should be individualized based on your personal circumstances, habits, and existing policy coverage. Lighter umbrella coverage could suffice if your other policies already offer comprehensive coverage. However, if your regular policies only provide the bare minimum, having a hefty umbrella policy might be prudent.

Let Kingston Insurance Agency LLC Assist You

There’s no need to venture into the world of umbrella insurance alone. Our team at Kingston Insurance Agency LLC will accompany you every step of the way and assist in choosing the right umbrella insurance policy for you in South Kingstown, RI. Contact us today to receive a commitment-free quote.

How Can I Be Sure My Flood Insurance Is Adequate?

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Flood insurance is an important type of insurance if you live in a high-risk flood area. Since homeowners insurance won’t cover damage due to floods, getting a flood insurance policy is the only way to protect yourself from the costs associated with repairing a home after a flood.

At Kingston Insurance Agency LLC, servicing South Kingstown, RI, we’re here to answer your questions about flood insurance and help ensure your flood insurance policy is adequate for your needs. We’re a resource for our customers, and we’re also the subject matter experts on everything related to insurance. If you’re trying to decide whether your flood insurance policy is right for you, here’s what you need to know.

What Is Flood Insurance?

Flood insurance is a type of insurance that can repair your home that a flood has damaged. Flood insurance covers direct physical losses to your home’s structure following a flood. Flood insurance also provides coverage if your belongings are damaged by a flood as well. 

Flood Insurance is a type of insurance that the National Flood Insurance Program offers. 

How Can I Be Sure My Flood Insurance Is Adequate?

When you’re getting flood insurance for your home, you’ll work with your insurance agent to ensure adequate flood insurance coverage. The National Flood Insurance Program places limits on how much it will cover for structure and belongings, so if the coverage offered by the NFIP isn’t enough, your insurance agent may recommend getting a policy from a private flood insurance provider. 

Have questions? Kingston Insurance Agency LLC, servicing South Kingstown, RI, can help. We offer various insurance services and are happy to answer your questions. Call today.

Friends and Family: Non-Owner Occupied Condo Coverage

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Condominiums often go through a variety of purposes over the years, each of which requires a review of insurance coverage depending on who’s living in the space.

Keeping Your Insurance Up to Date with Your Condo Usage

It’s also important to consider whether the owner is residing in the condo, renting it to others including friends and family, or simply allowing them to live there for a period of time. Examples might include a home for a student dependent during school years, a home for elderly parents to live nearby or visit, or a place for friends to live once the owner has bought a house. While the financial arrangements for each case are up to you and whoever’s living there, they will most likely determine the kind of insurance coverage required. At Kingston Insurance Agency LLC, we’re your local source for condo insurance in South Kingstown, RI and other nearby towns.

Are You a Landlord, or Just a Friend or Relative?

As condo owners providing short-term rentals on the open market have discovered, defining your role as a non-resident owner can be a challenge. You’ve probably heard stories of how friends and family make arrangements, leaving the terms loosely defined, and discover that the simple fact of people occupying your property allows them specific rights and, for you, responsibilities and liabilities. You may also face compliance issues with a local condo association, which could guide how you define your relationships with the occupants.

Consult With Us

At Kingston Insurance Agency LLC, we can help you adjust your coverage to make sure you’re protected from year to year. We’ll consider factors like who’s living in your South Kingstown, RI property, for how long, and how the state of Rhode Island defines your legal relationship each time.

Should Married Couples Combine Their Auto Insurance?

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Kingston Insurance Agency LLC wants South Kingstown, RI residents to fully understand how marriage could help them save money on their auto insurance. Conventional wisdom says married couples save on their premiums if they combine their coverage into a single insurance policy, but there’s a huge caveat to this.

Both Spouses Need a Superb Driving Record

 Combining insurance only works to lower a married couple’s premiums if both have a good driving record. If one spouse has a DUI, DWI, or lost points from their license, they would probably raise the premiums of the spouse with a clean record.

Why Do Married Couples Earn Lower Rates?

The insurance industry conducts complex statistical studies to determine the risk levels of groups of individuals. This actuarial study results in certain situations providing a person or couple with potential savings in the form of discounts or lower premiums. Married individuals typically engage in lower-risk activities. This lowers the risk of insuring them, so insurance companies pass along the savings.

How to Handle a Spouse with a Bad Driving Record

Before you get married, every couple should speak with one another honestly about matters that could affect their finances, creditworthiness, or insurability. The number one thing that marriage counselors say couples fight about – money – can prove easy to deal with if you remain upfront with one another. Reveal DUIs or DWIs, unlike the character Fritz from “The Closer,” who hid his DUIs from Brenda. Keep your coverage separate until the spouse with a bad driving record repairs their record.

Contact Us for an Auto Insurance Review

Whether you’re about to tie the knot or you’ve been married for years, let Kingston Insurance Agency LLC uncover ways you could save on your auto insurance premiums. Contact us today for an appointment, South Kingstown, RI residents!

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