3 Safety Rules Every Boat Owner Should Enforce

Posted on February 14, 2023October 17, 2025 by admin

If you are a boat owner, your responsibilities do not end with simply having insurance coverage. There are several boat safety rules that you should enforce any time you or your guests are on your boat. We want to help residents and the surrounding areas, make good safety choices while on the water. Learn more about the three important safety rules for your boat from the friendly insurance professionals at Kingston Insurance Agency LLC.

3 Safety Rules For Boat Owners

Floatation Devices For Everyone

Any time you or guests are on your boat, everyone needs a personal floatation device available. Never, ever cut corners on this. If you do not have adequate floatation devices for everyone on board, then you should cut the number of guests you take out on the boat or procure the devices before heading out onto the water. A floatation device could mean the difference between a great day on the lake or a disaster.

Prepare Safety Gear For Every Outing

Even if you are only going to be on the water for a short time, it is imperative that you properly prepare your safety equipment before heading out. You should have all floatation devices in good shape, a first aid kit, a fire extinguisher, flares, extra food, and water. These could be life savings items in an emergency situation.

No Drinking and Boating

Just like driving a car, a boat should never be driven by someone who is under the influence of drugs or alcohol. Driving a boat requires that you be alert and ready to handle emergency situations. Using drugs or alcohol will impair your ability to keep yourself and your guests safe on your boat.

Get Boat Insurance Today

If you would like to learn more about boat insurance or other services, please contact us at Kingston Insurance Agency LLC, serving and the surrounding areas.

Why You Need Classic Car Insurance

Posted on January 19, 2023October 17, 2025 by admin

A classic car is one that may have been built over 30 years ago. For most people who have such kinds of cars, it is most likely that they do not put them to use every single day. Sometimes, the owners may even use them at all, but they may be preserved for sentimental purposes.

Your basic auto insurance may not serve to cover your classic car, unless it is used as your primary vehicle. We at Kingston Insurance Agency LLC can provide you with specific coverage for your vintage ride.

Here are some reasons why you need classic car insurance:

Breakdown

A classic car will likely have parts that need repair because it has been used for a long time. Part of the repair may involve purchasing spare parts for the vehicle. Classical car insurance will therefore cover the replacement of spare parts. The insurance will also cover costs that have been incurred in the event of any roadside damage,

Collision

A collision between your classic cars is likely to cause damage. The insurance will serve to cover the cost of any repair of damage that your car may have caused to another during an accident.

Theft

In the event that your car or property that may have been in the car is stolen, our classic car insurance will reimburse you.

Bodily hurt

When an accident occurs, people who may have been in the car are likely to get physically hurt. It is also possible that you may have hurt a pedestrian. Classical car insurance would give medical coverage for treatment that may not be covered by health insurance.

Get Coverage For Your Classic Car Today

Occurrences like accidents and physical harm to another party are covered by classic car insurance. If you are looking for this coverage in the greater area, contact us at Kingston Insurance Agency LLC today.

What’s included in my recreational insurance policy?

Posted on December 22, 2022October 17, 2025 by admin

Every RV is more than a vehicle. As you travel, it’s also a home that comes in multiple sizes with various furnishings and amenities. Our team of insurance experts at Kingston Insurance Agency LLC believes your recreational insurance should be just as unique. Serving the greater community, we can find a personalized policy that’s right for you.

Here are six coverage types to consider when purchasing recreational insurance:

Collision coverage

Just like an auto policy, collision coverage is a must. This protects against any damage resulting from a collision, no matter who is at fault.

Comprehensive coverage

All other damage would fall under this category. Comprehensive coverage could include natural disasters or even theft. These will be listed as covered events in your policy.

Liability

Liability is another core component of almost any insurance policy. But unlike the previous items, this doesn’t cover the vehicle. Liability protects you from potential lawsuits or expenses related to bodily injury.

Uninsured or underinsured motorist protection

You have to worry about other motorists on the roadways too. If an incident occurs with another driver who has inadequate or deficient coverage, this protection has your back.

Personal Property

Most recreational insurance policies are similar to auto insurance. However, personal property protection is different. Like homeowners’ or renters’ plans, this focuses on your belongings. If something on the inside is destroyed or stolen, this kicks in to cover those costs.

Optional add-ons

No two policies are identical. Up your protection by adding countless available options, like roadside assistance. Your Kingston Insurance Agency LLC agent can make recommendations based on your usage.

Contact Us Today

Your recreational insurance should be just as special as your RV itself. Kingston Insurance Agency LLC, serving the greater community, can craft you a personalized policy. Schedule an appointment today.

Four reasons why you might need to update your motorcycle insurance coverage

Posted on November 23, 2022October 17, 2025 by admin

Motorcycle coverage is an important consideration if you are a rider. Motorcyclists can rely on us at Kingston Insurance Agency LLC for insurance coverage.

Motorcycle owners need to understand how important it is to update their coverage periodically to make sure that their insurance needs are met.

The following are four reasons why you might need to update your motorcycle insurance policy:

You’ve bought a new bike

It’s important to reconsider the motorcycle coverage you’re carrying any time you buy a new bike.

If you replace your previous bike, your cost of coverage may change. Your cost of coverage could also change if you add an additional motorcycle to an existing policy.

Make sure you let your insurance provider know of a new bike on your policy.

You’re adjusting to a change in income

Any income change could change your needs and preferences regarding motorcycle insurance. If you start earning more money, you might want to increase the amount of coverage you’re carrying or choose a policy with a lower deductible. If your income is reduced, you might want to find ways to reduce your premium costs to fit your budget.

You’re eligible for a discount

You could become eligible for a motorcycle insurance discount in numerous ways. One possible way to qualify for a discount is to take a motorcycle safety course. Make sure you update your policy to enjoy savings if you are eligible for a discount.

You’ve moved to a different state

You definitely need to update your policy if you relocate out of state. Different states have different motorcycle insurance requirements, so you need to make sure you’re meeting coverage requirements in your new state.

Get Motorcycle Insurance Today

You can call us at Kingston Insurance Agency LLC if you want to purchase motorcycle insurance. We provide coverage to motorcycle owners. Feel free to give us a call or send us an email!

Is it time to add an umbrella policy to the insurance protecting your business?

Posted on October 28, 2022October 17, 2025 by admin

Kingston Insurance Agency LLC is here for business owners in and the surrounding areas. If you are looking to boost your liability protection, contact our office today to learn more about the umbrella policy options currently available.

Umbrella insurance can help protect your local business

When it comes to protecting a local business, liability coverage is important. As a business grows and becomes more established, its liability risk and exposure often increase. A primary commercial policy will only provide a certain level of protection. And, once that policy is exhausted the umbrella policy will come into play to protect your company’s assets.

And, depending on how the company is structured, the owners could potentially be held personally liable for any damages that exceed the amount of coverage provided by the primary policy. This is why having an umbrella policy in place is so important. Having this protection in place is an effective way to ensure that your company has the coverage it needs.

Now is a good time to take a closer look at an umbrella insurance policy for your local business. Our team is here to help you determine which policy can meet your business’s unique needs. Adding this insurance type to your commercial insurance portfolio is an effective way to make sure that your business and its owners are protected from liability risk.

Contact our office today

If you own or operate a business in the area, you can depend on the Kingston Insurance Agency LLC team for all of your insurance needs. Contact us today to set up an appointment to learn more about how an umbrella insurance policy can help protect your business.