What Motorcycle Riders Need to Know in New York

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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?

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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?

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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.

4 Tips to Get the Right Condo Insurance

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Getting the right condo insurance matters, and if you’re in the Amsterdam, NY area, Kinowski Agency Inc. can help. Our agents know what makes a great policy and can answer any questions you have about your current policy or one you’re considering. Whether you have insurance on your condo already or are buying a condo and need a new policy, here are four tips to consider.

4 Tips to Get the Right Condo Insurance

1. Understand what’s really covered when you buy condo insurance.

Condos aren’t the same as detached houses, and they don’t require the same type of coverage. But it’s still important to make sure you have a policy that addresses all the important areas you’re responsible for so you have proper protection.

2. Work with a trusted agent to help you.

Don’t choose a policy on your own, especially if you’ve never owned a condo before. By working with an agent, you’ll be much more likely to get the right coverage and not have anything left out.

3. Make sure you’re protecting any unique items.

If you plan to keep something very valuable in your condo, like high-end artwork or expensive jewelry, you may want to have your policy reflect that. Otherwise, you might not have as much coverage as you need in the event of a claim.

4. Consider how your needs change over time.

Sometimes insurance needs change, and you may want to revisit your condo policy on a yearly basis or even sooner if you have a big life event. Keeping your policy current is extremely important.

We Are Here To Help

Buying condo insurance is important for protection and also for peace of mind. Kinowski Agency Inc. can help if you’re in the Amsterdam, NY area. Reach out to us today, and let us work with you to find the policy that meets your needs.

5 moments when you’ll need to update your life insurance

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A life insurance policy is an important component of financial planning. Life insurance can help with the financial stress that comes with the death of a spouse, parent, or partner. As circumstances in your life change, you may need to revisit your policy and make changes. Here at Kinowski Agency Inc., we are proud to assist the greater Amsterdam, NY region with life insurance coverage and questions.

Here are 5 important life moments where you’ll want to update your life insurance policy:

1. Relationships or Marriages

If you have a spouse or a life partner, you are both likely to contribute to the household. If one of you dies, your financial obligations are transferred to the other. With a life insurance policy in place, your loved ones can use the death benefits to maintain their standard of living and pay their obligations and debts.

2. When You Have A Child

When you have children, you take on the responsibility of caring for another person. Raising children is not cheap. If you die, your spouse, partner, or appointed guardian can provide financial assistance to your children.

3. When You Buy A House

Your monthly expenses are likely to rise when you buy a property. A mortgage is a large debt. If your husband or surviving partner does not have the financial resources to pay for it, they may lose their most valuable asset. You may need to revise your policy to ensure that your beneficiaries have enough money to cover the household expenses that your income would typically cover.

4. When You Start A New Job

When you change jobs, you may need to review your life insurance requirements. Inquire about the company’s life insurance policies. These policies are typically smaller and intended to cover funeral expenditures, but some businesses offer the option to purchase larger coverage at a discounted rate. You should also ensure that the amount of your life insurance coverage corresponds to your new income. Your insurance should, on average, be at least five times your annual salary.

5. Retiring

Another moment when you should consider your life insurance needs is when you retire. As you enter the next chapter of your life, a financial professional can assist you in determining your life insurance needs. 

Call Us Today

If you have any life insurance questions, please know that we can help. At Kinowski Agency Inc. we have a team of expert agents who are ready to answer any questions you may have about obtaining a life insurance policy. We are proud to be serving the Amsterdam, NY area and are ready to create your policy, today. 

Safe driving tips for new drivers

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As a new driver, it’s important to understand the importance of safe driving. Even if you have had your license for a while, it never hurts to brush up on some safety tips. Here are some helpful tips from us at Kinowski Agency Inc. to ensure that you stay safe on the road here in the Amsterdam, NY area, or anywhere: 

Safe driving tips for new drivers

1. Follow all traffic laws and speed limits:

Obeying the law will help you avoid dangerous situations and potential tickets. Always pay attention to posted signs and obey all speed limits – no matter how tempting it may be to speed. 

2. Avoid distractions:

Put away your phone, don’t eat or drink while driving and focus solely on the task at hand: safely navigating through traffic. 

3. Always wear your seatbelt:

It only takes a few seconds and can save your life in an accident. Make sure everyone in the car is buckled up before you start driving. 

4. Never drive tired or under the influence of alcohol/drugs:

Driving tired or under the influence puts yourself and others around you at risk for serious injury or death in a crash. When in doubt, call a friend or take public transportation instead of getting behind the wheel impaired or overtired. 

5. Maintain your vehicle regularly:

Regularly check tire pressure and engine oil levels as well as brake pads, windshield wipers, and other vital parts of your vehicle so that any potential problems can be caught early on before they become more serious issues down the line. 

Don’t Be Without Auto Insurance

For more tips, give us at the 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 suits your needs. 

Don’t Leave Your Classic Car Unprotected – Insure It

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Are you the owner of a classic car and living in the Amsterdam, NY area? If so, make sure you have the professionals at Kinowski Agency Inc. provide the insurance you need for your classic car.

Classic Car Coverage Options

The definition of a “classic car” will differ based on who you ask. The CCCA, Classic Car Club of America, defines a classic as one manufactured from 1915 to 1948. Some use the term to refer to antique, collector, and vintage cars.

Basically, definitions of what determines a classic car will depend on your insurance company.

This is how these cars are defined by some insurance companies:

  • An antique automobile is 25 or more years old and has been maintained, restored, or preserved by an antique automobile enthusiast.
  • A classic automobile is one that is 10 years old or more and is a rare vehicle or of historical interest, that has been maintained, restored, and preserved by a classic automobile enthusiast.
  • A replica is a reproduction of a classic or antique automobile. A vehicle more than 25 years old is considered an antique.

Classic car insurance covers a wide range of vehicles.

Here are some types that may be eligible for classic car insurance:

  • Antiques
  • Classic cars
  • Classic military vehicles
  • Classic tractors
  • Military vehicles
  • Modified vehicles, such as hot rods
  • Race cars
  • Retired commercial vehicles, such as fire trucks
  • Trucks
  • 1980 and newer collector vehicles

Classic car insurance covers a variety of cars. How the vehicle is used is usually a key factor insurance companies use to determine coverage.

Insurance for a classic car generally means “limited use”. The car will be driven only for certain activities, such as classic car club functions, parades, and exhibitions.  The vehicle can also be used for occasional pleasure drives. But if it is being used on a regular basis, for example, commuting to your place of employment, it will not be covered by a classic car policy.

Reach Out To Us

Kinowski Agency Inc. in Amsterdam, NY can provide a quote or answers to any questions you may have. Contact us today.

Full-Time vs. Part-Time Living RV Insurance

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RV insurance is a type of recreational insurance. One of the important considerations when selecting a policy is whether you will be living in your RV part-time or full-time. At Kinowski Agency Inc., in Amsterdam, NY, we offer policies for full-time and part-time RV use. 

What is Full-Time RV Use?

Part-time RV use applies to those who use their RV for short periods of time. Full-time RVers, on the other hand, reside in their RV for long periods. 

Some RV owners think that you must stay in your RV all the time to qualify as a full-time RVer. However, this isn’t the case. If you spend 150 nights or more in your RV, this is considered full-time RV living. 

Difference Between Full Time and Part Time Coverage

Both full-time and part-time RV insurance cover the RV, your possessions, and some liability. However, full-time insurance is more comprehensive. 

Part-time RV insurance provides general liability protection. It will cover damage to another vehicle or other’s property in the event of an accident. Part-time RV insurance is similar to an auto policy, with some features of a homeowner’s policy. 

Full coverage RV insurance will also cover your RV, and the possessions within the RV. This has many similarities to a homeowner’s policy, with some features of an auto policy as well. Full-time RV insurance offers the same coverage as part-time RV insurance but typically has higher coverage limits.  You can also add under/uninsured injury and property coverage, and vacation liability coverage. 

Get Recreational Insurance with Kinowski Agency Inc. Today

If you need recreational insurance in Amsterdam, NY, contact Kinowski Agency Inc. We offer recreational vehicle insurance, as well as many other types of insurance. Our friendly agents will discuss your needs and help you select the best policy for your needs. 

Tips for taking your RV to a national park

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National parks are some of the most beautiful places on earth, and they’re a popular destination for those who love to get outdoors. If you have an RV, taking your vehicle out to a national park can be a great experience. But if you don’t know what you’re doing, it can also be a challenge. Kinowski Agency Inc., serving the greater Amsterdam, NY community, is here to assist. 

Here are a few tips that will help you make the most of your time in the great outdoors with your RV:

Be aware of size restrictions and parking regulations at the park you plan to visit. Many national parks now have size restrictions for RVs, as well as regulations about where RVs should park when camping within the park. Make sure that you understand these requirements before you arrive at the park, as you don’t want to get a ticket or be turned away because your vehicle is too large.

Bring extra supplies for your RV in case something goes wrong during your trip. There are plenty of things that can happen on a long drive, such as a flat tire or engine trouble – and if those things happen when you’re far from any towns with repair shops, it can make for an uncomfortable situation. Bring along extra tools, water, food, and other supplies to help you out in case you need them. It’s always better to be safe than sorry!

Get Coverage For Your RV Today

By doing your research and planning ahead, you will be able to get the most out of your RV at our many beautiful national parks. Make sure to update your RV insurance to best suit your needs. For more tips to enjoy your RV, call the Kinowski Agency Inc. today. We proudly serve the Amsterdam, NY area. 

Four of the most important details regarding your motorcycle insurance needs

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At Kinowski Agency Inc., we offer motorcycle coverage to bikers in Amsterdam, NY. If you are purchasing a policy from us, there are numerous details to consider to determine how much coverage to buy. 

The following are four of the most important details regarding your motorcycle insurance needs:

The liability insurance coverage requirements in your state

You need to carry at least enough liability insurance on your motorcycle insurance policy to meet the minimum requirements in your state. In New York, this means carrying at least $10,000 for property damage per accident and $50,000 for bodily injury insurance for multiple people in the event of an accident. 

The value of your motorcycle

When it comes to the collision and comprehensive coverage you carry, you’ll need to have enough coverage to cover the full value of your motorcycle. Pay attention to the policy limits for your collision and comprehensive coverage and make sure that they aren’t lower than the full value of your bike. 

The features you want your motorcycle insurance policy to include

There are a lot of added features that your policy really should include. These include uninsured/underinsured motorist coverage, roadside assistance coverage, accessories, and custom parts/equipment coverage, and total loss coverage. 

The frequency with which you use your motorcycle

The more frequently you use your motorcycle, the more likely it is that you’ll eventually be involved in an accident and need to file a claim. You might want to opt for increased policy limits if you are an especially frequent rider. 

Get Motorcycle Insurance Coverage Today

Call us or email us at Kinowski Agency Inc. for a quote on an insurance policy that offers you all the coverage you need. We’re here to come to the assistance of bikers in Amsterdam, NY.