What If My Condominium Association Has Insurance?

What if your condominium association has insurance? If your condo is damaged, will the association’s insurance policy cover it? Here we dive into what to do if your condominium association has insurance.

What Do Condominium Insurance Policies Cover?

As a general rule, most condo associations have insurance that covers the common areas of the property. These include the lobby, hallways, and recreational facilities. This type of insurance is known as property insurance.

It usually does not cover the interior of your individual unit, such as your walls, floors, ceilings, or personal belongings. Moreover, property insurance typically has deductibles that the condo association must pay before the insurer will pay out any claims.

What if My Unit Is Damaged?

If your condo unit was damaged and the condo association’s policy does not cover the damage, you may be able to file a claim with your own insurance company.

Most homeowner’s or renter’s insurance policies cover damages to the interior of your dwelling, as well as your personal belongings. However, it’s important to check your policy carefully to see what is covered and what is not. You may also have to pay a deductible before your insurer pays out any claims.

What Can I Do to Protect Myself?

The best way to protect yourself in South Kingstown, RI is to purchase your own insurance policy from Kingston Insurance Agency LLC. Get one that covers your unit, as well as your personal belongings. This way, you’ll be covered no matter what happens.

You should also stay up-to-date on the condo association’s insurance policy. Check to see what’s covered and what is not. Don’t hesitate to ask the association or your insurance agent if you have any questions. Taking these steps will help you protect yourself in the event that your condominium association has insurance.

Give Us A Call

If you are unsure whether or not your condominium association has insurance, contact the association’s board of directors or property manager. They’ll be able to provide you with more information about the insurance coverage that is in place for your condominium complex. If you need condo insurance, contact Kingston Insurance Agency LLC in South Kingstown, RI today.

What Discounts can be Used to Determine Your Auto Insurance Cost?

Discounts on your auto insurance policy may help you have a lower premium cost. Below are some possible discount options that you may qualify for. Consult with your agent at Kingston Insurance Agency LLC in South Kingstown, RI for more information. 

What Discounts Can Be Used To Determine Your Auto Insurance Cost? 

Multiple Vehicle Policy Discounts 

If you have more than one vehicle on an auto insurance policy, you can get a lower rate. 

Driver Education discount

If you take a certified driver training course, you can get a policy discount. 

Student discount

If you or a family member is a student with a B grade point average or better, you can qualify for a policy discount.

Safety Device discount

If your automobile has safety devices that can prevent auto accidents or limit the damage from them, you can get a discount. These types of devices include automatic seat belts, airbags, and anti-lock brakes.

Low Mileage discount

If the distance you drive is lower, the chance that you will be in an auto accident is lower. Fewer miles can mean a lower premium cost, too.

Good Diver discount 

A good driver can get a discount for being in fewer accidents and having fewer problems that could lead to one.

Auto and Home discount

Your insurance company may give you a discount if you get your homeowner’s insurance and your auto insurance policy from them.

Anti-theft Device discount

If you have an anti-theft device installed on your vehicle, you can qualify for a discount. 

Membership discount

If you or a household member have a membership to an organization, this may help you get a discount.

Contact Us Today

Call us today t at Kingston Insurance Agency LLC serving South Kingstown, RI for expert insurance advice.

Protecting Your Business on the Road

Whether you use your personal vehicle or a company car for business purposes, it’s important to have the right insurance in place. If you’re in an accident while driving for work, commercial auto insurance will protect your business from potentially expensive liabilities. Let us explore what commercial auto insurance is, how it differs from personal auto insurance, and when you might need it for your business. For those wondering whether your business needs commercial auto insurance, Kingston Insurance Agency LLC in South Kingstown, RI provides this guide. 

What is commercial auto insurance?

Commercial auto insurance is a type of insurance designed to protect businesses from the financial risks associated with owning and using vehicles for business purposes. This can include cars, trucks, vans, and other types of vehicles. Like other types of business insurance, commercial auto insurance can help protect your business from expensive liabilities that can arise from accidents, property damage, and other losses.

How does it differ from personal auto insurance?

There are a few key ways that commercial auto insurance differs from personal auto insurance. First, commercial auto insurance typically provides more coverage than personal auto insurance. This is because businesses are generally at greater risk for accidents and losses than individuals. Second, commercial auto insurance policies can be customized to meet the specific needs of your business. Finally, commercial auto insurance rates are usually higher than personal auto insurance rates because of the increased risk for businesses.

When do you need commercial auto insurance?

If you use a vehicle for business purposes, you will need commercial auto insurance. This includes if you use your personal vehicle for:

  • Business travel
  • Delivery or transportation of goods
  • Sales or marketing visits
  • Client meetings

Get commercial auto insurance in South Kingstown, RI

If you use a vehicle for business purposes, you will need commercial auto insurance. Kingston Insurance Agency LLC can help you find the right policy for your business. Contact us today to get started.

Home Insurance FAQs

Protecting your home should be high on your list of priorities, but when most people think of protecting their home they think of physically protecting it with security systems. Your home protection should go much deeper than that. At Kingston Insurance Agency LLC, serving South Kingstown RI, we understand that real home protection starts with home insurance. Keep reading to learn more about this important way you can protect your home. 

Home Insurance FAQs

How Does Insurance Protect My Home?

Homeowner’s insurance does not physically protect your home from catastrophe, but what it does is protect your peace of mind. When you have proper home insurance in place, you know that you will always be able to provide a place for your family to call home. Even if your current home is damaged or lost, a solid homeowner’s policy will provide you with the funds to repair or replace your home. 

Is Home Insurance Required By Law?

In some regions, home insurance is required by law, but in most places, it is not. If your home is currently under the mortgage, you may be required by the mortgage company to provide home insurance. This protects the investment the mortgage company has made in the property. 

What Does Home Insurance Cover?

Most policies are very similar, but you can get your homeowner’s policy customized if you need to. In general, a homeowner’s policy will provide coverage in the following areas:

  • Property Damage- If the home is damaged or lost, you will be paid a benefit amount to repair or replace your home. This coverage can also cover the value of personal belongings within the home or on the property. 
  • Liability- If someone is injured at your home, you could be held liable for their medical expenses. Liability coverage will pay for this. 

If you would like to learn more, contact us at Kingston Insurance Agency LLC serving South Kingstown, RI, and the surrounding areas. 

Classic Car Insurance FAQ

Getting car insurance for your classic cars is slightly different from a regular vehicle. At Kingston Insurance Agency LLC, serving South Kingstown, RI, we can help you better understand the difference to ensure your classic cars are protected properly. Keep reading to learn more. 

Do Classic Cars Need Special Auto Insurance?

Yes. A classic car is not valued in the same way that a normal vehicle is. This is because there has been more money invested in classic cars. When classic cars are restored, extra expenses need to be taken into consideration for insurance purposes. Once a classic car has been fully restored, its value is determined based on the improvements that have been made as well as the rarity of the car. 

How Do I Find Classic Car Insurance?

You can sit down with one of our representatives to discuss a classic car insurance policy. Our team is trained to understand how these vehicles are valued. They can collect information concerning your particular car and help you establish an insurance value. 

How Much Coverage Do I Need?

The amount of coverage you should purchase for your vehicle will depend on the individual car, its history, the improvements made to it, and how often the vehicle is actually driven. All of these factors will need to be discussed with an insurance agent. Once all of this information has been collected, a policy amount can be determined. 

How Do I Know I’m Getting A Good Deal?

You can talk with other classic car enthusiasts to help you compare rates. Because this is a highly customized type of insurance, you will need to do some research on your own to fully understand how rates vary from company to company. 

If you would like to learn more, please contact us at Kingston Insurance Agency LLC serving South Kingstown, RI and the surrounding areas. 

Recreation Insurance Defined

Recreation Insurance Defined

When you visit Kingston Insurance Agency LLC serving South Kingstown, RI, for commercial insurance, you might not already know about one of your options – recreation insurance. If you run a business that involves sports, outdoor activities, or any athletic pursuits, you need this vital insurance policy.

Recreation insurance provides liability coverage for these high-risk activity-oriented businesses. A business such as a bungee jumping company would not normally qualify for commercial liability or the business’s high risk would make premiums exorbitant.

For businesses like these, which run the gamut from canoe rental to indoor rock climbing, recreation insurance provides the coverage needed. As our society has turned toward experience-oriented pursuits, other types of businesses have also qualified for this insurance policy. Those include:

  • amusement parks and arcades,
  • performing arts company,
  • spectator sports,
  • agents and managers for artists, athletes, entertainers, and other public figures,
  • promoters of performing arts, sports, and similar events,
  • independent artists, writers, and performers,
  • museum, historic site, or similar institution,
  • gambling industries,
  • other amusement and recreation industries.

For example, a winery might hold a painting and tasting evening where a local artist teaches attendees how to paint a wine bottle and glass picture. In the process, they also taste wines. This requires enhanced liability insurance since it doesn’t meet the business’s typical operations. The recreation policy covers the special event and those in attendance.

In addition to the liability coverage that lets you enjoy the peace of mind that if someone gets injured, the insurance covers their medical costs, your recreation policy also provides property damage, loss of property, and theft insurance. That means if someone damages your business property or damage occurs to their personal property, the recreation insurance covers the loss.

The same coverage applies if a guest has something stolen while attending or steals something from you. Perhaps something incurs damage beyond what can be repaired. Whether it belongs to the business or to an attendee, the recreation insurance covers it.

Contact Kingston Insurance Agency LLC serving South Kingstown, RI for more information on recreation insurance. Let us help you obtain this important policy for your business.

What Makes Insuring My Motorcycle Different From Insuring My Car?

Motorcycles are the ultimate expression of freedom. You can go where you want when you want, and how fast you want. But there’s a catch: they’re also more dangerous than cars! Here’s what makes insuring a motorcycle different from insuring a car.

1. Generally More Expensive to Insure

Motorcycles are more expensive to insure than cars, in most cases. That’s not to say it costs more to own a motorcycle; in fact, they’re generally cheaper to maintain and operate. However, they’re more expensive to insure because they’re more dangerous. Statistics show that motorcycle riders are three times as likely to be injured in a crash than car drivers and 29 times as likely to die.

2. Passenger Insurance Coverage

While a motorcycle will have standard coverage for a single driver, it doesn’t typically come with insurance for a passenger unless you purchase an endorsement. If you plan to drive around with a friend on the back, make sure you know what your policy covers.

3. Personal Injury Protection

Another significant difference between motorcycle and car insurance is that a motorcycle insurance policy generally won’t include Personal Injury Protection (PIP). PIP covers medical expenses for you or a passenger in your car, no matter who was at fault. If you don’t have this coverage, you could be responsible for thousands of dollars if you’re injured in a crash. In Rhode Island, MedPay is similar to PIP. It’s a claim that benefits the insured, not their motorcycle. MedPay can help pay for your medical bills after an accident, regardless of who is at fault.

Get Motorcycle Insurance in South Kingstown, RI

Motorcycle insurance is very different from car insurance, and you need to make sure your policy covers the right things for you before you take out your bike. If you have any questions about motorcycle insurance in South Kingstown, RI, Kingston Insurance Agency LLC is always available to answer your questions and help you find the right policy.

Three Reasons to Buy Boat Insurance

Rhode Island is a great place to live if you are a boating enthusiast! So you may need to speak to the helpful insurance agents at Kingston Insurance Agency LLC serving South Kingstown, RI about the reasons why you should have boat insurance. We’re breaking it down into simple terms. The 3Ls, to be precise.


Boat insurance is there to protect you financially from the hit you take if your boat becomes damaged or destroyed accidentally, is vandalized, or even stolen. Boating can be an expensive pastime, and that’s why it’s an excellent idea to invest in protecting your assets. You should always review the policy’s limits at the time of purchase and again annually for any changes.


While you are protecting your physical assets, boat insurance, if structured correctly, allows you to go one step further and provides financial assistance in the event of legal liability for accidental injury or loss of life on your boat or watercraft. We’re not saying that something like this will happen, but having liability insurance provides peace of mind that your policy will cover the medical bills if your friend or relative is in an accident on your boat.


If you are a boater, you may have a particular lifestyle, one that involves extensive time on rivers or lakes or even on the road searching for watery playgrounds. It means that your homeowner’s policy, which may provide a certain amount of protection, may not be enough. If structured correctly, having boat insurance offers peace of mind, knowing that you are covered no matter where you are or what you are doing with your boat.

Contact Us

Contact Kingston Insurance Agency LLC serving South Kingstown RI about your boat insurance needs and queries today!

What Does Umbrella Insurance Cover?

On the hunt for umbrella insurance in South Kingstown, RI? Look no further than Kingston Insurance Agency LLC – we’ve got the team and knowledge to help you build a custom insurance plan that checks all the boxes. 

Umbrella insurance can be confusing; many people wonder how necessary it really is, or if they’re just wasting their money. We’re here to tell you umbrella insurance is worth the investment for many reasons, the most important being your peace of mind. 

What does umbrella insurance provide?

1. Property damage liability

This can include scenarios like the property (vehicles, personal property) of guests at your home getting damaged or destroyed

2. Bodily injury liability 

Hospital bills like exams and treatment expenses

There are many other costs and coverage that umbrella insurance covers, and there is certainly a plan out there that can protect you and your loved ones. The investments we make, like vehicles, buying a home, recreational vehicles, and more can all be covered under the right umbrella insurance policy. 

Like all insurance, umbrella insurance provides peace of mind when something happens. You can’t plan for everything in life, but you can be prepared by having appropriate insurance and a full coverage policy for protection. 

If you own or rent a property, have a vehicle, own a boat or RV, have pets or children, umbrella insurance can provide you with additional coverage that will have you resting easily at night, knowing your assets and investments are properly insured. 

If you’re a resident of South Kingstown, RI and are looking for an insurance agent, contact the team at Kingston Insurance Agency LLC. We’re here to help you find the best insurance policy for your lifestyle needs, and we’d love to work with you. 

What does flood insurance cover?

Floods are natural disasters that can hit almost anywhere. All it takes is a severe storm and some extended rain and creeks, streams and rivers are overflowing their banks. Hurricanes churn up massive waves in the Atlantic Ocean and the Gulf of Mexico. All of these result in flooding. As little as one inch of water can cause more than $20.000 in damage to your home. At Kingston Insurance Agency LLC in South Kingstown, RI, we are an independent insurance agency that prides itself on providing exceptional customer service to our clients. 

Flood insurance is offered by the NFIP. It is sold in two parts; contents and property. Both of them have set limits on coverage. The parts are sold separately and everyone can choose to have one or both, depending on what your needs are. In order to be eligible to purchase the insurance offered by NFIP, you must live in a community that takes part in their program. 


The limit of coverage for content is $100,000. If this is inadequate, you can look into private flood insurance. Content coverage will reimburse you for the loss of your furniture, clothing, small appliances, electronics, and even some jewelry. Your washer and dryer, window or portable air conditioners, microwave, rugs not permanently attached to your floor are also covered. 


The building portion has a limit of $250,000 which, again, may not be adequate and you can opt for a private insurance provider. In addition to the physical structure of the house, this coverage will pay for the major systems such as heat and cooling, electrical, and plumbing, the foundation, major appliances such as the stove and refrigerator, and the dishwasher, built-in bookcases, cabinets, carpeting, and flooring. 

If you are in the market for flood insurance, contact Kingston Insurance Agency LLC in South Kingstown, RI, and let us help you find the right coverage.