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. 

Why You Need Condo Insurance

Condo insurance is designed to help protect your condominium against all kinds of unknowns. It doesn’t matter where you live; condos are not immune to the risks associated with extreme weather, fire, or liability. There are many reasons why you need to purchase condo insurance in South Kingstown, RI, and three of those reasons are listed below. 

When done reading, give the experts at Kingston Insurance Agency LLC a call today to discuss your condo insurance needs. 

The Condo Association’s Master Policy Does Not Protect You

Many believe that their condo association’s master insurance policy is enough to protect them against anything that can happen. However, this is not true. Condo association insurance protects damage and injuries in common areas. They do not protect against anything that can happen inside your unit. 

Liability Coverage

You want to make sure you are protected against anything that can happen in your unit. For example, if someone comes over and your dog bites that person, or they slip and fall in your kitchen, liability insurance coverage will pay for medical bills associated with the incidents and protect you in the event the other person sues you for damages. 

Loss of Use

Condominiums are connected to many other units, which puts you at greater risk of being forced to leave your dwelling because someone else caused a fire or water damage affecting your unit. If your unit is deemed unlivable, you and your property are covered under your insurance policy. Additionally, your insurance policy will pay for you to stay somewhere while your unit is repaired.  

Condo owners in South Kingstown, RI should reach out to their insurance agent today to ensure they have coverage for their unit. Those without insurance should call Kingston Insurance Agency LLC today to discuss condo insurance options. 

Comprehensive Auto Insurance

Comprehensive auto insurance covers vehicle damage not caused in an accident. Coverage includes damage caused by fire, theft, weather, and vandalism; however, it does not cover damage caused by hitting another vehicle or object, nor does it cover bodily injury. Those in South Kingstown, RI should speak to an insurance agent at Kingston Insurance Agency LLC to discuss comprehensive auto insurance options and learn more about what is covered. 

What Does Comprehensive Auto Insurance Cover? 

Damage caused to your vehicle by an event other than an accident is covered under your comprehensive auto insurance. Events covered by your comprehensive auto insurance include fire, theft, acts of nature (hurricane, flood, hail, tornado), falling debris (tree limbs), animal damage (hitting a deer), and windshield and glass damage. This insurance coverage does not pay for bodily injury, damage to another vehicle, rollover accidents, or damage caused by hitting a stationary object. 

Does Comprehensive Auto Insurance Have a Deductible? 

Comprehensive auto insurance coverage does have a deductible, which is the amount you selected when purchasing the policy. Ultimately, higher deductibles mean lower rates but more out-of-pocket expenses when filing a claim. 

Do I Need Comprehensive Auto Insurance Coverage? 

State requirements do not call for comprehensive insurance coverage as a minimum requirement. However, it is generally a good idea to purchase this coverage for your vehicles and your protection. If you drive your vehicle often, have an expensive car, or live in a high-risk area with theft or natural disasters, comprehensive auto coverage may be a great purchase. Additionally, many lenders require comprehensive auto insurance during the length of your auto loan. 

Protect yourself in the event of an unexpected event, such as a storm, fire, or theft, by purchasing comprehensive auto insurance coverage in South Kingstown, RI. For additional help or information about comprehensive insurance coverage, call Kingston Insurance Agency LLC today. 

4 Facts About Home Insurance

When considering a mortgage for your South Kingstown, RI home, looking out for home insurance is the last thing on your mind, yet the two are related. While home insurance isn’t mandatory in Rhode Island, your mortgage lender may require you to carry homeowners insurance as long as the loan facility is outstanding.

Are you interested to learn more facts about home insurance? Stick on as Kingston Insurance Agency LLC shares interesting facts about home insurance.

Home insurance doesn’t cover all damages and losses

Homeowners insurance protects you against several perils, but like other insurance plans, it has exclusions, too. Home insurance doesn’t cover damages as a result of:

  • Floods and earthquakes
  • Normal wear and tear
  • Pest and molds

Furthermore, home insurance provides limited protection to high-value items like jewelry, silverware, and cash. Be sure to check with your agent to purchase additional coverage.

Home insurance covers personal assets

Home insurance isn’t all about liability and structure protection. It protects your personal belongings as well. In case of loss or damage to items like clothing, electronics, and furniture, home insurance can save the day. 

Market value differs from the cost of rebuilding

In many instances, the cost of rebuilding your home exceeds the home market value. As a result, if your home value is the basis of your home insurance, your home may not be covered fully in case of a total loss. Since market value depends on market realities, it’s subject to fluctuations. Where there is a drop in value, you will have fewer funds to rebuild your home.

Remember to update your home insurance

When you undertake significant renovations and additions to your home, don’t forget to update your home insurance plan. The addition of structures like a swimming pool, garage, or shed must be reflected in your home insurance for optimal coverage. 

Do you need home insurance for your South Kingstown, RI home? You can trust Kingston Insurance Agency LLC to protect your beautiful home. Contact us today to speak to one of our agents.