Why is umbrella insurance called secondary insurance?

At Kingston Insurance Agency LLC, we want our clients to understand their insurance and how it works. When you read a policy document that refers to umbrella insurance as secondary insurance, you might wonder what that means.

Primary vs. Secondary

A primary insurance policy covers a piece of property with multiple coverages, such as structural, personal property, and liability in a South Kingstown, RI home or RV policy. A secondary policy offers added coverage of one type in the primary policy that enhances its coverage. Umbrella, a secondary liability policy, adds to the individual’s or business’s liability coverage, so when the primary policy pays out fully, the umbrella policy pays any remaining costs up to its policy limit.

Which Policies Qualify as Primary for Umbrella Coverage?

Any policy that includes a liability component can serve as your primary policy to qualify a policyholder for umbrella policies. You can add umbrella coverage to any of the following primary insurance policies:

  • Homeowners
  • Renters
  • Motorhome
  • Auto
  • Recreational toys (ATVs, dune buggies, etc.)
  • Business liability.

Umbrella only adds more liability coverage.

Why Add More Liability Coverage?

Even if you maximize the liability coverage on the primary policy, it may not offer enough to cover the settlement for an accident for which authorities found you at fault. With a single night’s hospital stay costing $8,000 on average, an auto accident or a pool accident can cause high medical bills that you must pay. A court may award the injured a 

judgment for pain and suffering, which you also must pay. The umbrella insurance ensures you don’t have to pay out of pocket.

Contact Us to Start Your Umbrella Policy

Contact Kingston Insurance Agency LLC, serving the South Kingstown, RI area with the insurance it needs. Let us help you add umbrella insurance to your primary policies to improve your financial security. Call or email us today.

Does umbrella insurance replace my other policies?

Does umbrella insurance from Kingston Insurance Agency LLC replace my other policies? The answer is no. Umbrella insurance here in the South Kingstown, RI area is an additional form of liability coverage that provides extra financial protection beyond the limits of your traditional auto and homeowners insurance policies. It offers broader coverage for liabilities, including libel and slander, as well as covering legal costs if you are sued. 

Why Umbrella Insurance?

Umbrella insurance does not replace your existing policies; rather it acts as an additional layer of protection for those times when your primary policies don’t offer enough coverage. For example, if you were to be sued for a large amount of money and the limit of your primary policy was too low to cover all damages, then umbrella insurance would be able to provide the additional coverage needed to cover the remainder. 

Umbrella insurance is an economical way to protect you and your family from potential financial ruin. It can provide invaluable peace of mind in the event of a serious lawsuit, such as one resulting from a car accident or a medical malpractice claim. 

An umbrella policy is typically very affordable and provides much higher limits of coverage than traditional policies. Policies are usually available for amounts ranging from $1 million to $10 million. Depending on your particular situation, you may want to purchase additional coverage beyond that amount.

Ultimately, an umbrella policy provides an extra layer of security and peace of mind that can be invaluable in the long run. A sound insurance strategy should include both primary and umbrella policies, as they work together to provide comprehensive protection for your family and your assets. 

Reach Out To Us

For more information, give us at Kingston Insurance Agency LLC a call today. We are proud to serve the South Kingstown, RI area.

Does Flood Insurance Cover My Garage?

If you live in South Kingstown, RI, you know how unpredictable nature can be. With rising sea levels and frequent storms, your property and belongings are at risk of flood damage. As residents of this area, we understand your concern about protecting your garage. 

What does flood insurance cover?

Flood insurance comes in two parts: building coverage and content coverage. Building coverage covers the physical structure of your home, including the foundation, walls, roof, built-in appliances, floorings, etc. Meanwhile, content coverage can include personal items such as clothing, furniture, and electronics. However, this coverage usually does not apply to garages.

Garage Coverage under Different Policies

Basic homeowner’s insurance policies rarely cover flood damages. Some policies offer exceptions for loss or damages that occur because of an overflow of water from your indoor plumbing, leading to damage in your garage area. It’s essential to check with your provider regarding the extent of your coverage.

A National Flood Insurance Program may cover detached or attached garages since the coverage extends to structures on the insured property. Our Kingston Insurance Agency LLC representatives can help you understand the details of your policy and explain what it would take to extend your coverage if it’s unavailable under your current plan.

Reach Out To Us

You have made a significant investment in your garage. Talk to Kingston Insurance Agency LLC about your flood insurance options and get expert advice. We understand your need for peace of mind about your property and belongings in South Kingstown, RI daily. Don’t take any risks! Protect your garage and outdoor buildings by calling us today.

5 Questions About Condo Insurance

Are you considering buying a condominium – or do you already own one in and around South Kingstown, RI? If so, it is essential to understand how insurance protects you and your investment. According to Kingston Insurance Agency LLC, condo unit owners must understand how to fill the gap or spotty coverage created by the HOA’s master policy.

To better understand your potential risk as a condo unit owner, find the answers to these questions:            

What is the Insurance Deductible for the Homeowners Association?

The master insurance policy for the HOA provides essential coverage for the building and common areas. However, each unit owner will ultimately absorb their relative portion of the HOA’s deductible.

How Much Coverage is Appropriate for Your Unit Owner Policy?

Determine the personal property and/or unit upgrades you want to insure.

Should You Choose Cash-Value or Replacement-Cost Coverage?

After determining the amount of insurance you need, you must decide if you want a cash-value or a replacement-cost policy. The primary difference between these two options is that, for the cash value coverage, depreciation will reduce the amount of the claim, and replacement-cost coverage will not.  

Are the Contents and Structures Covered?

Condominium insurance coverage offers protection as follows –

  • Contents – jewelry and personal property, etc.
  • Structures – custom cabinetry, flooring, etc.

Is there Coverage for Flood Damage?

Flood insurance is optional unless the condo is in a flood zone. If the entire project is in a flood zone, it is more than likely that the HOA has a master policy. Unit owners can purchase flood insurance privately to cover the contents and structures.

Reach Out To Us!

For additional information regarding condominium insurance, contact the Kingston Insurance Agency LLC – serving the South Kingstown, RI area. 

Auto Insurance 101: What Every Driver Needs to Know

Auto insurance is a crucial aspect of responsible vehicle ownership. Understanding the coverage types and factors that affect premiums can be overwhelming. Here is a comprehensive overview of auto insurance basics in South Kingstown, RI.

Types of Coverage

There are several types of auto insurance coverage, including:

  • Liability

  • Collision

  • Comprehensive

Liability insurance is mandatory in South Kingstown, RI and covers damages and injuries you may cause to others in an accident. Collision coverage pays for repairs or vehicle replacement if you are at fault in an accident. Comprehensive coverage protects your vehicle against theft, vandalism, and other non-collision incidents. Personal injury protection covers medical expenses and lost wages for you and your passengers after an accident.

The Importance of Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist (UM/UIM) coverage protects you and your passengers if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough to cover the damage and injuries they caused. It can also protect you if you are involved in a hit-and-run accident.

Without UM/UIM coverage, you could be left paying for the damages and injuries out of pocket, which can be costly and financially devastating. It’s important to consider adding UM/UIM coverage to your auto insurance policy to protect yourself and your passengers.

Finding the Right Policy

To find the right auto insurance policy, consider your budget, coverage needs, and deductible. Compare quotes from different insurance companies to find the best value. Ask about discounts, such as safe driver discounts, which can help reduce premiums. Work with an insurance agent to guide you through the process.

Kingston Insurance Agency LLC Is Here To Help!

Auto insurance is a critical aspect of responsible vehicle ownership. By understanding the basics of coverage and factors that affect premiums, drivers can make informed decisions when choosing a policy. Contact Kingston Insurance Agency LLC for personalized insurance quotes and expert advice.

3 Safety Rules Every Boat Owner Should Enforce

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 of South Kingstown, RI 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 South Kingstown, RI and the surrounding areas. 

Why You Need Classic Car Insurance

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 in South Kingstown, RI 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:


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,


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.


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 South Kingstown, RI area, contact us at Kingston Insurance Agency LLC today.

What’s included in my recreational insurance policy?

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 South Kingstown, RI 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 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 South Kingstown, RI community, can craft you a personalized policy. Schedule an appointment today.

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

Motorcycle coverage is an important consideration if you are a rider. Motorcyclists in South Kingstown, RI 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 in South Kingstown, RI. 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?

Kingston Insurance Agency LLC is here for business owners in South Kingstown, RI 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 South Kingstown, RI 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.