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Do You Have the Recreational Insurance You Need for this Summer Vacation Season?

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Have you recently purchased a new RV or travel trailer? Are you excited about hitting the road and enjoying nature away from the stresses of home and work? There are numerous fun places you can travel to from South Kingstown, RI without having to spend a lot of time on the road. Perhaps you already own an RV, but haven’t reviewed your insurance policy for several years. Now is the time to ensure that you have the recreational insurance you need to keep your stress-free summer vacation that way.

Understanding Recreational Insurance

Recreational insurance is a broad term that covers insurance for your temporary home away from home, such as an RV, a "fifth wheel" camper, or a travel trailer. This type of coverage is distinct from insurance you need if you live in your camper year-round. At Kingston Insurance Agency LLC, we can help you with that type of insurance, too, but that’s a topic for another day. Recreational insurance also applies to seasonal vehicles not covered under your homeowners or automobile policies. This might include a snowmobile, a jet ski, or a boat.

Like most US states, Rhode Island requires you to carry liability insurance if you have an RV that you drive. This is the only type of insurance that you are legally bound to carry. If you’ve financed your RV, camper, trailer, or boat, your lender will virtually always require you to carry insurance to cover the cost of replacing the item should it be damaged by things like weather, a road accident, or other covered reasons. Even if you paid cash for your recreational vehicle or "toy," you’ll likely want insurance to cover it for these events. The average cost of a new RV in the US ranges between $30,000 and $300,000. That’s a lot of money to leave unprotected.

To learn more about recreational insurance and to ensure that you have the coverage you need for your summer travels, contact Kingston Insurance Agency LLC. Our management team has a combined 100 years of experience in helping South Kingstown, RI area residents with their insurance needs.

Does Motorcycle Insurance Cover Passengers On Your Bike?

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Riding a motorcycle is an exhilarating experience; for many riders, sharing that experience with a passenger makes it even better. But before you invite someone to hop on the back of your bike, it’s important to know whether your motorcycle insurance covers them in the event of an accident. At Kingston Insurance Agency LLC, serving residents in and around South Kingstown, RI, we help riders understand their coverage so they can confidently hit the road.

Understanding Motorcycle Insurance and Passenger Coverage

Not all motorcycle insurance policies automatically cover passengers. While liability insurance is required in most states, it typically only covers damages or injuries you cause to others, not the person riding with you. If you regularly ride with a passenger, you’ll want to ensure you have guest passenger liability coverage or medical payments coverage in your policy.

Guest passenger liability helps cover medical expenses for your passenger if they’re injured in an accident where you’re at fault. Without this coverage, your passenger might have to rely on their own health insurance, which could lead to high out-of-pocket costs. On the other hand, medical payment coverage helps pay for medical bills regardless of who is at fault.

Why Passenger Coverage Matters

Even the safest riders can’t control everything on the road. If an accident happens, having the right coverage ensures that both you and your passenger are protected from unexpected expenses.

At Kingston Insurance Agency LLC, proudly serving the communities in and around South Kingstown, RI, we’re here to help you find the right motorcycle insurance policy for your needs. Contact us today to review your coverage and make sure you and your passengers stay protected every time you ride.

Businesses and Professions That Should Consider Umbrella Insurance

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Umbrella insurance offers protection from certain legal challenges, covering lawyers’ fees and court costs, but its primary purpose is to extend the liability limits of personal or commercial insurance policies. Every policy limits the total payments for covered hazards, with the policyholder left responsible for overages. Umbrella insurance steps in when the cap is exceeded by paying for additional liabilities incurred. If you need more information about umbrella insurance and how it can benefit you, talk to Kingston Insurance Agency LLC, serving the South Kingstown, RI, area.

Which Professions Need Umbrella Insurance?

Professionals with office space, such as physicians and lawyers, risk someone falling and becoming injured during an office visit. Auto dealers, restaurants, and retailers that welcome the public to their premises face similar risks.

Occasionally, accidents result in liabilities exceeding the policy limits of those professionals and businesses, leaving them responsible for paying the difference. However, those holding umbrella insurance can rely on the umbrella policy to pay the difference.

Other businesses that benefit from umbrella policies are those whose work occurs on others’ property. Virtually all skilled trades fall into this category. Electricians, roofers, plumbers, and contractors regularly risk damaging property or injuring others. Delivery businesses and anyone operating vehicles for their work face liability for damage or injuries in work-related motor vehicle accidents.

Another category of businesses that need umbrella insurance is those whose contractual obligations with government or private companies require them to carry it.

Working With The Kingston Insurance Agency LLC

The Kingston Insurance Agency LLC team serves the insurance needs of individuals and businesses in the South Kingstown, RI, market. Call (401) 433-9442 or drop by our office to schedule an appointment. We look forward to supporting your insurance needs.

When a Slip-and-Fall Turns into a Lawsuit: How Umbrella Insurance Protects You

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Slip-and-fall incidents on your property can escalate quickly from an unfortunate accident to a costly legal battle. If a visitor or worker is injured on your premises, you could be liable for medical expenses, lost wages, and other damages. In severe cases, the costs may exceed the limits of your standard homeowner’s or liability insurance. Umbrella insurance offers an essential layer of protection, shielding your finances from significant risks in South Kingstown, RI.

Extending Your Liability Coverage

Umbrella insurance provides additional liability coverage that kicks in once the limits of your primary policies are exhausted. For example, if your homeowner’s insurance covers $300,000 in liability but a slip-and-fall lawsuit results in a $500,000 judgment, your umbrella policy would cover the $200,000 shortfall. This extended coverage ensures that your savings, investments, and other assets are not at risk.

Providing Coverage Beyond Standard Policies

In addition to extending existing coverage, umbrella insurance also provides protection against claims not typically covered by standard policies. This may include legal defense costs, judgments for pain and suffering, or compensation for emotional distress. These additional benefits can be crucial in high-stakes lawsuits, where damages often go beyond physical injury expenses.

Affordable Peace of Mind

Despite its broad coverage, umbrella insurance is surprisingly affordable, offering substantial protection at a fraction of the cost of increasing liability limits on individual policies. It is particularly beneficial for homeowners with significant assets or those frequently hosting guests, where the risk of accidents may be higher. Having umbrella insurance ensures that a slip-and-fall lawsuit won’t derail your financial stability.

Contact Kingston Insurance Agency LLC for Your Insurance Needs

Kingston Insurance Agency LLC underwrites policies to meet customers’ needs. We serve South Kingstown, RI, and the surrounding cities. Contact us today.

What Is a Flood Elevation Certificate, and Why Does It Matter?

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Understanding flood insurance can feel overwhelming, but it’s crucial to grasp key elements like a Flood Elevation Certificate. At Kingston Insurance Agency LLC, proudly providing flood insurance to residents in and around the South Kingstown, RI region, we’re here to help you understand why this certificate is so important for protecting your home.

What Is a Flood Elevation Certificate?

A Flood Elevation Certificate is an official document that specifies your property’s elevation relative to the estimated height floodwaters might reach. It includes details about your building’s location, flood zone, and the lowest point of elevation. This certificate is essential for determining your flood insurance rates, as it helps assess the risk of flooding to your property.

Why Does It Matter?

The certificate plays a pivotal role in how much you pay for flood insurance. Properties located in high-risk flood zones with lower elevations typically face higher premiums. By providing accurate elevation data, this certificate can potentially lower your insurance costs if your property is elevated above predicted flood levels. It ensures you’re not overpaying and that your coverage is tailored to your actual risk.

How to Obtain a Flood Elevation Certificate

You’ll need to hire a licensed surveyor or engineer to get a Flood Elevation Certificate. They will conduct a detailed assessment and provide the necessary documentation. At Kingston Insurance Agency LLC, we can guide you through this process and connect you with trusted professionals.

Secure Your Peace of Mind By Purchasing Flood Insurance

Don’t leave your property unprotected. Contact Kingston Insurance Agency LLC, serving the South Kingstown, RI area, today to learn more about flood insurance and the benefits of obtaining a Flood Elevation Certificate. Let us help you safeguard your home with confidence.

Is It Time to Update Your Condo Insurance Policy?

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Updating Your Condo Insurance Policy in South Kingstown, RI

If you’ve been residing in a condo in South Kingstown, RI for some time, it might be the perfect opportunity to review and update your condo insurance policy. Circumstances and policy options can evolve over time, and consistently maintaining the right coverage is crucial. At Kingston Insurance Agency LLC, we are committed to helping you select a new policy or update your existing one to safeguard your future. You can experience greater peace of mind in your home with the appropriate coverage.

Our dedicated agents comprehend the nuances of condo living and its pleasures. We also understand the importance of having the best coverage options and believe in giving you a choice. That’s why we provide quotes from multiple insurers, enabling you to choose the one that best suits your needs and lifestyle. Your current policy might be ideal, but a better one could be available. Collaborating with us will assist you in making an informed decision, allowing you to implement any necessary changes or updates.

Updating your condo policy is a straightforward and convenient process when you connect with us. We’ll compare your existing policy and the options for updating it with other policies that might serve you better. Having choices for something as valuable as insurance is vital. You don’t have to settle for anything less than a high-quality insurance policy that you feel confident about, ensuring that your condo is adequately protected.

Contact us today at Kingston Insurance Agency LLC if you’re in the South Kingstown, RI area and need to update or change your condo insurance policy. We are ready to work with you to protect what matters most and keep you feeling secure and comfortable.

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.

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