What if I Don’t Have Umbrella Insurance?

Often overlooked, umbrella insurance is a critical yet undervalued coverage. It springs into action, taking care of any exceeding liabilities once your primary insurance coverage is entirely consumed.

What If I Don’t Have Umbrella Insurance?

Let’s examine the potential consequences.

Scenario One: All Good; No Fret!

Having excess or umbrella insurance is always a wise step. It takes over when your primary insurance settles a claim, and a balance must be cleared. But suppose your primary insurance compensates the claim fully. In that case, not possessing umbrella insurance may not seem like a grave risk.

Scenario Two: Bankruptcy

In a more dramatic scenario, you could be sued for a hefty amount, and your primary insurance coverage falls short. Without umbrella insurance, you would have to bear this deficit. This gap could be astronomical enough to drive you towards bankruptcy, a threat that umbrella insurance wards off effectively.

Shop With Us for Your Insurance Needs

If you’re in the Amsterdam, NY, area and searching for a reliable insurance provider, we’d like to warmly welcome you to Kinowski Agency Inc. We don’t just offer insurance; we promise peace of mind with our exceptional coverages and services. Contact us today for a quote, no matter where you’re based, and let our skilled team guide you through the process.

What You Should Know Before Getting Condo Insurance

Securing Your Condo with Adequate Insurance Coverage

Condos offer a blend of comfortable living, community spirit, prime location, and abundant amenities, making them an appealing home choice for many in Amsterdam, NY. Like any other home, protecting your condo and everything you value is crucial. That’s where we come in – the Kinowski Agency Inc. is prepared to assist you in safeguarding your home and cherished belongings with appropriate condo insurance.

What to Know Before Getting Condo Insurance

Acquiring condo insurance is an effective way of protecting your valuable items and securing peace of mind, especially when you’re away from home for extended periods. However, knowing a few things is crucial before procuring or renewing your condo insurance policy.

Primarily, note that your condo association’s insurance plan likely covers certain areas termed as ‘common areas’ and might even include structural parts of your condo. Therefore, it’s necessary to avoid paying for overlapping coverage. At Kinowski Agency, our professional and customer-focused team can help you strike the right balance, ensuring all your specific needs are covered without unnecessary outlays.

Obtaining Condo Insurance Tailored to Your Needs

Everyone’s insurance needs differ, and when your requirement is condo insurance that adequately covers and protects your belongings, our amiable and professional agents at Kinowski Agency Inc. in Amsterdam, NY, are here to help. For more information about how we can help you attain the coverage your condo rightfully deserves, don’t hesitate to reach out to us today.

Life Insurance for Young Adults in New York

The Kinowski Agency Inc. loves helping young adults in Amsterdam, NY choose life insurance that secures their futures. Life insurance feels intimidating to many young people, but when you understand how it works and why it matters, you can make smarter insurance decisions. It’s never too early to start thinking about the rest of your life.

What is Life Insurance?

In life, you never know what may happen, which is why even young adults need to start thinking about their life insurance and what will happen to them in the worst-case scenario. Life insurance refers to a contract that a policy owner and a life insurance company have with one another. In exchange for premiums given to the insurer, if the policyholder dies, their beneficiaries will be paid a certain amount as defined by the terms of the policy.

While there are whole life plans available, it is more common to do term life insurance. What this means is that your plan will expire after a certain amount of time, such as 10 or 30 years. These terms can vary greatly, so it’s important to carefully consider your policy and what it offers.

Your premium, or the price you paid is determined by factors like your age or health. Thus, it’s better to buy this insurance before you have health problems and while you are still young. That way, you can get the best rate possible.

Who Needs Life Insurance?

Not everyone opts to get life insurance, but it can be good for anyone. Those who are wealthy may not be concerned about life insurance because their deaths won’t leave their family struggling. However, those who are worried that their death could be a financial burden on their family should think more carefully about buying insurance.

Find Life Insurance for You

If you’re a young adult in Amsterdam NY, or the surrounding areas, Kinowski Agency, Inc. will be glad to help you understand your options. We will get you started and answer any outstanding questions or concerns you may have.

What if I’m in an accident with someone who has no insurance?

It can be disheartening to be in an auto accident, and the other party responsible for the wreck either flees the scene or doesn’t have auto insurance.  This happens far too often: you, the victim in the incident, pay for medical expenses with your own insurance and on your own dime.  After the process, many, like you, don’t have the time or finances to take the guilty party to court to seek payment for your expense.

In this unfortunate incident, the best way to protect you and your family is to talk to your agent at Kinowski Agency Inc. in Amsterdam, NY about uninsured motorist coverage. 

What You Need To Know

In New York, you can purchase insured motorist coverage with a minimum of $25,000 per person and $50,000 per accident. Of course, the more coverage you select, the more protection you can provide for yourself and your family.  However, your uninsured motorist coverage cannot exceed the liability coverage you have for bodily injury. 

Regarding property damage caused to your vehicle by an uninsured driver, uninsured motorist coverage is unavailable in New York.  So, instead, you may want to talk to your agent at Kinowski Agency Inc. in Amsterdam, NY about collision coverage.  With collision coverage, you can receive payment to repair or replace your vehicle after an accident, no matter who’s at fault.  It also covers you if your car has been involved in a hit-and-run while parked.

Consult With Us

If you have more questions or need additional information concerning uninsured motorist coverage in New York, we’d be glad to help.  Contact us today at the Kinowski Agency Inc. in Amsterdam, NY to guide you to the best coverage options for your and your family’s safety.

Who Can Drive Vehicles Insured with Classic Car Insurance?

Classic car insurance is a specialized type of policy designed to protect vehicles that qualify as classic, antique, or exotic models. These policies often have specific terms; one common specific is who can drive the insured vehicle. Here’s a look at who might be permitted by a classic car policy to operate the vehicle.

Designated Drivers on the Policy

Many classic car insurance policies list designated drivers who are allowed to operate the vehicle. If designated drivers are explicitly listed on a policy, they’re likely the only ones who can drive the car. Coverage may be voided if anyone else gets behind the wheel.

If a policy doesn’t have an explicit list of designated drivers, then most licensed drivers can likely operate the vehicle — so long as they aren’t in an excluded category.

High-Risk Drivers

High-risk drivers, such as those with DUIs or a history of serious traffic violations, are often not permitted to drive under a classic car insurance policy. They may not be able to get their own classic car policy, and other driver’s classic car policies will almost certainly void coverage if a high-risk driver gets behind the wheel.

If you own a classic car and recently got a DUI, we at Kinowski Agency Inc. can help you explore what your options are. While many policies for classic vehicles might exclude you, there are usually some available that won’t. We’ll look at what options are available to Amsterdam, NY drivers in your situation and find the best solution.

Young Drivers

Sometimes policies exclude young drivers from operating vehicles insured with classic car insurance. Young drivers are typically those under the age of 25.

Check Your Policy’s Terms

While these are common restrictions, every classic car insurance policy has its own terms that dictate coverage. If you’re in Amsterdam, NY, we at Kinowski Agency Inc. can help you find a policy that has terms that allow you and your family members to drive a classic car.

Why Outdoor Companies Need Recreational Insurance

There are many types of insurance that a business should have. The specific types often depend on the size of the business, the facility it operates in, and the nature of the business. When you have a recreational business, especially one that comes with a number of risks to the customers, it’s essential to have recreational insurance. This is important coverage for protecting your business against the many risks it faces and the lawsuits that could come from them. When you need recreational insurance, call us at Kinowski Agency Inc. in Amsterdam, NY.

Recreational Businesses

Is your business centered on adventurous fun? This may include indoor delights such as a climbing wall. It often includes outdoor events like canoeing, kayaking, horseback riding, hiking, rock climbing, etc. You may take people hunting or fishing, or you may conduct bicycle tours. Whatever your leisure activity, it often runs the risk of serious accidents happening. To cover these, you need recreational insurance. This coverage can pay for things like medical bills and legal costs when an accident happens to one of your customers. 

Protect Your Business

There are many other types of business insurance that you may already have, but most of them won’t cover something like a rock climbing accident. They often center on things like the facility itself getting damaged or having cyber problems like a data breach. You need recreational insurance for the accidents that are pretty inevitable in the recreational industry. Make sure you have plenty of this coverage so that even a serious accident can be paid for by the policy. This protects your business and makes sure that you can continue without having to sell it to pay for the medical bills. 

Get Recreational Insurance

To get your recreational policy, call us at Kinowski Agency Inc. in Amsterdam, NY. 

How Insurance Works When Storing an RV

Owning a Recreational Vehicle is all about experiencing the freedom of exploring the open road and new destinations. However, most RV owners store their vehicles during the off-season or when not exploring the byways and highways of interest. The insurance professionals at the Kinowski Agency Inc. in Amsterdam, NY offer this guidance about how RV insurance works when the RV is in storage.  

Insurance When Storing an RV

Before storing your recreational vehicle–

  • Review your insurance coverage to ensure you understand the existing coverage when the RV is stored.  
  • Let your insurance company know you plan to store your RV, as they may have specific storage requirements.
  • Choose a secured, monitored storage location to reduce the risk of theft and vandalism.
  • Document the current condition of the RV with pictures and written records.
  • Check the stored RV regularly.

Insurance Coverage Options


Comprehensive coverage, which may be called ‘storage insurance,’ is a great option when the RV is not in use as it offers coverage for emergencies, non-accidental, or non-collision events– like fire, theft, vandalism, etc. Often, coverage can be reduced to include only comprehensive with a simple request to the insurance company.


Liability coverage may still be applicable even when the RV is stored, as it offers protection should someone become injured on your property or the RV damages someone else’s property.

If you plan to store the RV for an extended period, you can temporarily suspend all insurance (or just collision, for example), which means the RV coverage will be reduced or nonexistent.  

We Are Here To Help

Properly managing your RV insurance in storage is essential in protecting your investment. For more information, contact us at Kinowski Agency Inc. serving the greater Amsterdam, NY community today.

What Motorcycle Riders Need to Know in New York

Amsterdam’s scenic routes and vibrant streets offer motorcycle riders a unique experience. Our scenic roads and byways provide a picturesque backdrop for riders looking to unwind. While the wind on your face feels exhilarating, ensuring that you’re protected is job one for any motorcyclist.

The Essence of Motorcycle Insurance

Every rider knows the importance of being prepared. Beyond the safety gear and maintenance, there’s another layer of protection—motorcycle insurance. It’s not just a piece of paper. It’s peace of mind, a way to ride confidently, knowing you have a backup plan for unforeseen circumstances.

Why Choose Us?

Amsterdam NY motorcycle riders have found a trusted partner in Kinowski Agency Inc., serving the city’s vast motorcycling community. This agency has consistently shown commitment by offering guidance, understanding unique needs, and ensuring riders equip themselves with the best information.

It’s not just about finding insurance. It’s about understanding the nuances of different coverages and finding the perfect fit for your riding lifestyle. While it’s essential to consider cost and value, remember that your primary focus should be on the coverage and reliability a trusted agency offers.

Protect Your Ride in Amsterdam, NY

Motorcycles resonate with riders. But with that unique freedom comes responsibility. As you navigate Amsterdam’s streets, ensuring your journey remains safe and uninterrupted is vital. With tailored solutions and expert advice on association and safety available discounts to riders, our team is here to provide just that.

Kinowski Agency Inc. Is Here To Help

It’s time to take action and unlock both value and reliability. If you’re looking for guidance or want to explore your options, connect with Kinowski Agency Inc. today. Let’s keep the Amsterdam, NY motorcycle spirit alive, safe, and insured.

Does everyone in New York need to have boat insurance?

Being a boat owner in the Amsterdam, NY area is a dream for many people. Those with a boat in this area can enjoy all of the great local lakes and waterways throughout the summer months of the year. When you do buy a boat, you will want to know that you get proper insurance as well.

There are a lot of reasons to get this type of insurance here:

Coverage For Your Boat

A reason that all people here need to get a boat insurance plan is so they can properly cover their boat. There is a big investment required when you are going to purchase a boat in this part of the state. An ideal way that you can protect your investment is by getting a boat insurance policy as it will give coverage in the event you need to replace or repair the boat due to theft, damage, or other types of loss. 

Reduce Liability Risks

Being liable for an accident that occurs on the water is a recurring risk faced by boat owners. If this does occur, you will need to cover any damages that arise from the collision. As this can be significant, insuring against the risk with a boat insurance policy is necessary. When you get a boat insurance policy, it will provide support to ensure you are able to cover these costs.

Reach Out To Us

It is ideal for anyone in the Amsterdam, NY area to carry boat insurance as long as they own the watercraft. When you are trying to get this insurance coverage, it would be a great idea to call our team with Kinowski Agency Inc. There are a lot of great options to consider when looking for this coverage, and our team with Kinowski Agency Inc. can help you build a new policy. 

Does umbrella insurance replace my other policies?

Umbrella insurance from us at Kinowski Agency Inc. is an extra form of liability protection that provides coverage over and above existing policy limits. This type of policy can provide a safety net for those in the Amsterdam, NY area with valuable assets or higher-than-average liabilities. While umbrella insurance is designed to supplement other policies, it does not replace them. 

Rather than replacing other policies, umbrella insurance works by providing an additional layer of protection when underlying limits have been exhausted. It broadens your coverage for claims such as personal injury, property damage, and slander/libel in excess of the limits found in various liability policies. This type of policy also covers expenses associated with defending against covered lawsuits, which can add up quickly. 

Umbrella insurance provides peace of mind and security for individuals and business owners who are concerned about protecting their assets from potential lawsuits or unforeseen circumstances. It’s important to remember, however, that umbrella insurance does not replace other forms of coverage such as health insurance or homeowners/renters policies; rather, it complements them by providing an additional level of financial protection should you be held liable for damages beyond your existing policy limits.

Furthermore, umbrella insurance can also provide coverage for risks not included in your other policies such as libel, slander, or false arrest. It is important to note that the amount and type of coverage depend on the policy you choose, so be sure to shop around and select a policy that meets your individual needs. 

We Are Here To Help

For more information, give us at Kinowski Agency Inc. a call today. We are proud to serve the Amsterdam, NY area and would be happy to help you find a policy that meets all of your needs.