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Getting Into Jet Ski Racing? Get Yourself Insured

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At Kingston Insurance Agency LLC, we can provide South Kingstown, RI residents with great boating insurance that covers your Jet Skis. If you’re getting into racing and want to keep yourself safe, there are many policies that you can consider that should make sure you understand your options here.

The Importance of Boating Protection

Boating insurance provides a high-quality and unique level of protection that keeps watercraft safe. They’re designed to cover a broad array of different boat types like speed boats, fishing trawlers, yachts, and even Jet Skis. They can keep your vehicle safe while you’re on the water.

Basic boat coverage can help with things like collisions, vehicle damage, liability issues, and more. Specialized and personalized racing policies focus specifically on the unique challenges and dangers of racing. They can provide a long-term solution that makes sense for your needs.

Specialized Racing Insurance is Available 

Boating insurance provides a diverse and unique level of protection that can keep your Jet Ski safe. There are many racing types that you might enjoy, such as closed- and open-course racing, as well as freestyle and hydrodrags. Racing insurance can protect you, no matter what race you set up.

It’s important to research your options here to choose a policy that suits your needs. For example, there are some that focus specifically on Jet Skis, so do your research to get great coverage. Just as importantly, make sure you do your shopping to find a price that makes sense for your needs.

We’re Here to Help You

Our crew at Kingston Insurance Agency LLC can provide South Kingstown, RI residents with the important boating coverage they need to keep their Jet Skis safe while they’re racing. Contact us so that you can get a strong policy that makes sense for your specific needs.

How Classic Car Insurance Protects Spare Parts and Accessories

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Classic car enthusiasts in and around South Kingstown, RI spend countless hours and resources restoring, maintaining, and customizing their treasured vehicles. These classic cars are often fitted with rare spare parts and unique accessories that enhance their authenticity and performance. This is when classic car insurance becomes beneficial. 

Key Benefits of Classic Car Insurance for Spare Parts and Accessories

  • Spare Parts Coverage: Classic car owners often accumulate a collection of spare parts over the years to ensure the longevity and authenticity of their vehicles. Classic car insurance can cover the cost of these spare parts in the event of loss or damage. This helps maintain the historical accuracy and performance of the car.
  • Accessory Protection: Many classic car enthusiasts invest in unique accessories and add-ons to enhance the appearance and functionality of their vehicles. Classic car insurance can protect these accessories from loss or damage, whether it’s a custom grille, period-correct tires, or vintage interior furnishings.
  • Agreed Value Coverage: Classic car insurance policies often provide agreed value coverage. This means that the insurer and the policyholder agree on the car’s value, considering its condition, rarity, and the value of its spare parts and accessories. In case of a covered loss, the agreed value is the amount paid, ensuring that the total value of the car and its components is protected.
  • Coverage for Theft and Fire: Spare parts and accessories are not only at risk of damage; they can also be targets for theft or affected by fires. Classic car insurance covers these perils, providing the resources to replace or repair the components.

Kingston Insurance Agency LLC Can Help You

At Kingston Insurance Agency LLC, we can help answer questions concerning classic car insurance. We serve the South Kingstown, RI area. Contact us today. 

Don’t Forget to Insure Your Recreational Equipment

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If you use the equipment for the leisure activities you enjoy, do you have the insurance to replace them if they are ever lost, stolen, or damaged? To answer that question, examine your homeowner’s, renter’s, or recreational vehicle policy. At Kingston Insurance Agency LLC our agents serve South Kingstown, RI and surrounding communities.  And we suggest that you find out what gear or equipment is covered and what your deductible is.

Examples of Equipment You May Want to Insure

The number of items you use in pursuing sports and recreational activities can be numerous. Just think of the number of personal items you carry or use when you go fishing, golfing, canoeing, paddleboarding, or kayaking.

Likewise, when driving your RV on a road trip, you have not only the above items but also the ancillary ones needed to power your recreational vehicle. Even if you travel light while biking the William C. O’Neill Bike Path, you wouldn’t want anything that happens to your bike to be a total loss. 

Consider This When Purchasing Insurance for Recreational Gear

And some of the items so essential to your happiness while at leisure are expensive. Even if they are named in an existing insurance policy, there may be a limit to the amount an insurer will pay to repair or replace them. You don’t want to be without insurance for pricey sports and recreational equipment. 

If you need coverage for those items, sometimes an endorsement for additional coverage can be put on your existing policy. At other times, our insurance agents will write a new policy. With their knowledge and experience, our experts can get you insurance for gear and equipment. Contact us today at the Kingston Insurance Agency LLC serving the South Kingstown, RI metroplex for all your insurance needs. 

Tips to keep your motorcycle running like new

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Motorcycles are a fun and cost-effective way to get around here in the South Kingstown, RI area, but they require regular maintenance to keep them running like new. Here are some tips from us at  Kingston Insurance Agency LLC to help you keep your motorcycle safely on the road. 

Motorcycle Safety Tips

1. Check the Tires:

Inspect your tires regularly for signs of wear, tear, or damage. Make sure the tread is still good and that there isn’t any visible dry rot on it. Replace worn tires if necessary so that you have the best grip and traction possible when riding. 

2. Change the Oil:

Change your oil regularly as part of your motorcycle’s preventive maintenance program. It helps lubricate and cool engine parts so that it runs smoothly and efficiently over time. Check your owner’s manual for instructions on how to change it properly, or have a certified mechanic do it for you if needed. 

3. Clean Your Bike:

Keep your bike clean to avoid corrosion or rust, which can shorten its lifespan significantly over time. Clean off any dirt or grime from all surfaces of the motorcycle after each ride, and wax it periodically as well to protect it from long-term exposure to the elements. 

4. Monitor Fluid Levels:

Make sure all fluid levels (oil, brake fluid, coolant) are at their maximum level so that they are ready for use whenever you need them on your ride. This will reduce the chances of overheating or other dangerous malfunctions while you’re out on the road. 

Consult With Us

By following these simple tips and doing regular maintenance checks on your motorcycle, you can ensure that it stays in top condition for many years to come! For more tips or to find a motorcycle insurance policy, give us at Kingston Insurance Agency LLC a call today. We serve the South Kingstown, RI area.

Why is umbrella insurance called secondary insurance?

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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?

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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?

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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

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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

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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

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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. 

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