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. 

Does it make sense to add at-sea towing coverage to your boat policy?

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Amsterdam, NY area boat owners can rely on the team at Kinowski Agency Inc. We are here to answer any questions that you may have and help you find a comprehensive boat policy that meets your needs. Give us a call today!

Benefits of at-sea towing coverage

No one wants to be stranded out at sea, but it is a reality for any boat owners who venture into open water. Even if you are close to shore, having an engine breakdown is no fun at all. There are a number of different situations where it is necessary to call for an at-sea towing service.

While necessary, these services are often very expensive. Many boat owners find it advisable to make sure that their boat policies include coverage for at-sea towing services. This add-on feature can help you avoid excessive out-of-pocket expenses when you need towing services.

Safety at sea is every boat owner’s number one priority. Having a breakdown or other mechanical difficulty at sea is not just inconvenient, it can also represent a serious safety risk. Before you head out on your next adventure, be sure that your current boat insurance policy provides the coverage and protection that you need.

Contact our office today

The Kinowski Agency Inc. team is proud to serve the insurance needs of the greater Amsterdam, NY community. If you are ready to upgrade your boat policy, we are here for you. Stop by our office or give us a call today to find out more about the boat insurance policy options that are available in our area.

5 Situations That Might Call for Umbrella Insurance

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Most people are familiar with the basics of insurance coverage. You have your homeowner’s insurance, your health insurance, and your auto insurance. But what about umbrella insurance? Do you need it? And if so, what kind of situations would warrant a claim?

At Kinowski Agency Inc. in Amsterdam, NY, we want to make sure our clients are fully protected against any possible risks. That’s why we offer umbrella insurance as part of our comprehensive lineup of insurance products.

Here are five situations that might call for umbrella insurance:

1. You’re Sued for Libel or Slander

If you’re ever accused of libel or slander, you could be looking at a costly legal battle. Even if you win the case, the legal fees can add up quickly. Umbrella insurance can help cover those costs.

2. You’re Sued for Defamation

Defamation is a type of false accusation that can really damage your reputation. If you’re sued for defamation, umbrella insurance can help with both the legal fees and any damages you might be ordered to pay.

3. You Accidentally Injure Someone

Even if the injury is minor, an accident can still lead to a lawsuit. If you’re sued, umbrella insurance can help cover both the legal fees and any damages you might be ordered to pay. 

4. Your Pet Injures Someone

If your pet injures someone, you could be held liable — especially if the injury is severe. Once again, umbrella insurance can help with both the legal fees and any damages you might be ordered to pay. 

5. You Damage Property Belonging to Someone Else

Even if the damage is accidental, you could still be on the hook financially if it’s severe enough. In this case, umbrella insurance would help cover the cost of repairs or replacements up to your policy limit.

Get Umbrella Insurance Today

Umbrella coverage is designed to protect you from major financial losses. If you’re ever sued or held liable for an accident, umbrella insurance can help you pay for the legal fees and any damages you might be ordered. If you’re not sure whether or not you need umbrella insurance, contact Kinowski Agency Inc today. Our team in Amsterdam, NY will be happy to review your situation and recommend the best course of action for you moving forward.

Do You Have a Condo in New York? Protect it with Condo Insurance

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If the answer is yes, you will need a condo insurance policy to protect the interior of the unit and your personal property inside. Professionals at the Kinowski Agency Inc. in Amsterdam, NY can explain the ins and outs of condo protection and why it is so important.

Condo Insurance: What You Need To Know

While most states do not require condo insurance, it is like homeowners’ insurance in that mortgage lenders want to ensure their financial interest is protected for the duration of the loan in the event of a mishap. Homeowners Associations (HOAs) often require a level of condo insurance also.

Condo insurance, or an H06 policy, is designed specifically for condominium units and typically covers items inside the unit. Condo association fees may cover some insurance needs, but an H06 policy is intended to fill the gaps.

While condo insurance covers personal property within the condo, certain high-value items may not be covered. You may want to consider a separate rider for high-ticket items such as furs, artwork, or jewelry. The insurance professionals at the Kinowski Agency can advise you.

In the event a guest or visitor is injured or bitten by your dog while visiting your condo, you may be faced with a liability claim. Condo insurance provides coverage for that claim.

What if your condo becomes uninhabitable for a duration of time? Broken pipes or flooding due to bad weather can make it necessary for you to vacate your property while repairs are being made.

Contact Us Today

Condominium associations will have their own coverage for the exterior of the building and shared property. But your personal property is not covered. Don’t leave yourself open to financial disaster. Let the Kinowski Agency professionals in Amsterdam, NY answer all your questions.