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49 S County Commons Way F-3F
South Kingstown, RI 02879

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Featured Insurance Blog

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Adding a Shed? When to Let Your Home Insurance Know About Updates

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When it’s time to add value to your home or improve its functionality, it’s also important to inform your home insurance company about any changes. For example, adding a shed to your property can enhance its value and utility, but it’s also a valuable asset that should be protected from risks.

At Capalbo Insurance Group LLC, our team can help you modify and upgrade your home insurance in South Kingstown, RI, to match your needs better.

Why You Should Inform Your Agent

Most home insurance policies provide specific coverage for named structures on your property. If a structure is not attached to your home, it must be explicitly listed on your policy to receive coverage. For instance, an attached garage is typically covered under your homeowner’s insurance. However, a detached garage will only be covered if it was specifically added to your policy.

When you modify your home by adding a shed, detached garage, barn, or other structure, you’re not only increasing the value of your property but also introducing additional risks. To ensure these structures are protected, they must be named on your policy. If a fire or another covered peril damages the structure, compensation will only be provided if it is listed on your policy.

We can assist you in making the necessary modifications to your policy. Contact Capalbo Insurance Group LLC to discuss updating your home insurance in South Kingstown, RI to cover all your assets and minimize risks.

Insurance Verification Program

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If you’re a Rhode Island driver, state law requires you to carry auto insurance. Many drivers in Rhode Island have questions about their auto insurance coverage. If you’re in the South Kingstown, RI, area, our team at Capalbo Insurance Group LLC encourages you to meet with us for answers to your questions. Since 2007, we’ve been helping clients like you navigate their insurance needs.

Insurance Verification Program

Recent legislation has made it easier to verify auto insurance coverage in Rhode Island. The Rhode Island Division of Motor Vehicles has established the Rhode Island Insurance Verification System (RIIVS) to ensure compliance with the state’s requirement for active auto insurance policies. This online program matches the vehicle identification number (VIN) of all registered motor vehicles with an active auto insurance policy.

If a VIN entered into the system does not match an active auto insurance policy for four weeks, the system will send a notice to the registered owner of the vehicle. This notification, referred to as a Request for Insurance Verification, requires the owner to provide proof of insurance and comply with the conditions outlined in the letter. Failure to do so may result in the revocation of the vehicle’s registration, which would also prevent the owner from renewing their insurance.

Call Us Today for Your Appointment

At Capalbo Insurance Group LLC, our mission is to provide you with quality insurance at a reasonable price. We offer a wide range of insurance options to meet your needs. Clients in the South Kingstown, RI, area trust our locally owned company for its reputation for excellent client service. Contact us today to schedule an appointment and let us help you find the right insurance solutions.

What is commercial auto insurance and does your company need it?

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If you’re a business owner in Rhode Island, one of your responsibilities is to secure commercial insurance. Businesses require property and liability insurance to safeguard their business assets, as well as health insurance and workers’ compensation insurance for their employees. If your business is located near South Kingstown, RI, our team at Capalbo Insurance Group LLC can assist your business in selecting the appropriate types of insurance policies. We’ve been serving businesses in your area since 2002.

Commercial Auto Insurance

If your company owns vehicles used for business purposes, you must purchase commercial vehicle insurance for each of those vehicles. This includes box trucks, delivery vans, and food trucks. The key factor for coverage is that the vehicle must be owned by your company and used exclusively for company business.

According to Forbes, commercial vehicle insurance covers damages to people, property, or other vehicles in the event of an accident. To cover repairs to your vehicle, your commercial vehicle must have collision or comprehensive insurance under your policy. Forbes also reports that you can purchase gap insurance. Gap insurance covers the difference between the amount your insurance company will pay (in the event of a total loss) and the amount you may still owe on the vehicle.

Contact Us Today for Your Appointment

We are Capalbo Insurance Group LLC, a locally owned and operated agency with over 20 years of experience. Our team is dedicated to serving both commercial and residential clients. Businesses in the South Kingstown, RI area can trust that we will provide support and education about insurance. Contact us to schedule an appointment today and let us have the privilege of helping you protect your business.

There Really is No Place Like Home and No Better Protection Than Home Insurance

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The phrase "there’s no place like home" resonates with many of us, perhaps most famously uttered by Dorothy in The Wizard of Oz. It’s a sentiment that underscores why we invest in protecting our homes. That’s why many homeowners in the South Kingstown, RI area rely on the friendly and professional team at Capalbo Insurance Group LLC for all their home insurance needs. After all, there truly is no place like home.

There Really is No Place Like Home and No Better Protection Than Home Insurance

While homeowners may not have to worry about wicked witches or flying monkeys, the very real threats of tornadoes, wind damage, falling trees, and countless other risks provide ample reason to consider protecting your home. These are just a few reasons why it’s a good idea to discuss protecting your home with the right home insurance solutions with a local, reputable agent. For South Kingstown, RI area homeowners, it’s not The Wizard of Oz they call, but the team at Capalbo Insurance Group LLC, for the help they need to protect their homes.

Helping South Kingstown, RI Area Homeowners Protect Their Homes

If you own a home in the South Kingstown, RI area and have questions or would like to learn more about home insurance options, we can help. Contact us today to learn more and schedule an appointment with our knowledgeable and professional team of agents for the protection you need for your home.

Own Multiple Cars? Can a Single Policy Cover Them All?

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Our team at Capalbo Insurance Group LLC offers South Kingstown, RI drivers excellent car insurance that meets their needs. But what if you own multiple vehicles? Can you cover them with one policy? Let’s delve into this interesting and rewarding subject; you might learn something!

You CAN Cover Multiple Cars With One Policy

Short answer: Yes, you can bundle multiple cars on one policy. In fact, our providers strongly prefer this option to insuring vehicles individually! It just makes sense for both you and your insurer. Is there a limit? That depends on the company, but a good rule of thumb is about 4-5.

Why You Should Expand Your Coverage

If you own more than one car and want to cover them all with one policy, it’s definitely a great idea! Insurance companies offer many advantages to entice buyers into trying it: building that loyalty is worth it for most. What benefits can providers offer in insurance bundles? Things like:

  • Potential savings, depending on your policy provider, the vehicles you own, and your area
  • Easier payment plans, as you usually handle one lump sum for all your cars
  • Simpler protection because you can typically choose a single policy type
  • Better claim process because you don’t have to juggle multiple protection documents

These significant bonuses make bundling a wise decision. Even better: Depending on the provider, homeowners may package other protection types (such as home and life insurance) with their vehicle policy. Not sure if you qualify? It’s worth calling us today to find out!

Protect Your Vehicle With Us

Our Capalbo Insurance Group LLC team is more than ready to help South Kingstown, RI residents like you! Our skilled experts can help you choose excellent protection for your fleet of cars. Call us today to set up an appointment, and we’ll get you started.

Commercial Insurance Products You May Not Be Familiar With

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When it comes to protecting your business, commercial insurance is a must. Most business owners are familiar with general liability, property insurance, and workers’ compensation. However, other types of coverage are designed to safeguard your company from unexpected risks. At Capalbo Insurance Group LLC in South Kingstown, RI, we want to make sure you know all your options. Here are a few lesser-known commercial insurance products.

Cyber Liability Insurance

If your business stores customer data, processes payments online or relies on digital systems, it could be a target for cybercriminals. Cyber liability insurance helps cover financial losses related to data breaches, hacking, and other cyber threats. It can also assist with legal fees, customer notifications, and crisis management to protect your company’s reputation.

Employment Practices Liability Insurance (EPLI)

Even with the best policies in place, companies can face employee-related lawsuits. EPLI provides protection if your business is accused of wrongful termination, discrimination, harassment, or other employment-related claims. Legal defense costs alone can be significant.

Equipment Breakdown Insurance

A sudden mechanical failure could halt operations if your business depends on specialized equipment. Equipment breakdown insurance helps cover repair or replacement costs so you can quickly get back to business. This is especially useful for industries like manufacturing, healthcare, and food service.

Business Interruption Insurance

Disasters like fires, storms, or other unexpected events can temporarily shut down a business. Business interruption insurance helps cover lost revenue and ongoing expenses while the company recovers, ensuring its financial stability.

Your business is unique, and so are its risks. If you’re unsure whether you have the proper protection, Capalbo Insurance Group LLC in South Kingstown, RI can help. Contact us today to explore your options and safeguard your company’s future.

What to Do If Your Home Insurance Claim Is Denied

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Home insurance is essential in protecting your South Kingstown, RI property from unexpected damages caused by natural disasters, theft, and accidents. However, navigating the claims process can be challenging, especially when discovering your claim has been denied. If you’re in this situation, take some time to understand why the claim was denied and what steps you can take to address it.

Understand Why the Claim Was Denied

The first step after finding out your home insurance claim was denied is to review the denial letter provided by your insurer carefully. It should outline the specific reasons for the decision. Some reasons for claim denials include insufficient documentation, policy exclusions, and missed deadlines for filing the claim or submitting documents.

Review Your Policy and Gather Evidence

Revisit your insurance policy to understand better your coverage, exclusions, and conditions that may have affected your claim. This can help you determine if your denial was justified. Next, gather evidence to strengthen your case, such as photos of the damage, professional estimates, and receipts for repairs.

Appeal the Denial

If you believe your claim was wrongfully denied, start the appeals process by contacting your insurance company for clarification and to discuss the reasons for your denial. Next, submit a formal appeal with supporting documents, such as repair estimates, receipts, photos, and a detailed explanation of why the claim should be considered.

Reach Out to Capalbo Insurance Group LLC

Choosing a comprehensive home insurance policy that meets your unique needs can significantly reduce your risk of a denial. Contact Capalbo Insurance Group LLC in South Kingstown, RI, to learn about our insurance services or to update your existing policy to meet your coverage needs better.

Does Auto Insurance Cover Hurricane Damage?

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At Capalbo Insurance Group LLC, we want our South Kingstown, RI, customers to fully understand and get the most out of their auto insurance. That’s why we strive to ensure our customers understand their auto policies and what they cover.

Hurricanes and Auto Coverage

Most auto policies include comprehensive coverage, which covers wind damage from hurricanes. However, not all of these cover rising water flood damage. If hail falls during the hurricane and damages the vehicle, auto insurance covers that, too. The same is true for falling debris, such as tree limbs. Drivers involved in an accident receive coverage from their liability and comprehensive coverage.

Adding Comprehensive and Collision Coverage

If you purchased an auto policy that covers only the state minimum requirements, you’ll need to update your auto policy to include comprehensive and collision coverage. Comprehensive insurance protects your finances in matters of vehicle damage from perils such as hurricanes, fires, and vandalism. Collision insurance covers damage to your vehicle in an accident, whether you caused it or a falling tree limb did.

Other Helpful Coverage

Adding roadside assistance can also be beneficial during a hurricane. Roadside assistance responds if you experience any vehicular problems, such as a flat tire. This can help you remain safer during storms, especially while evacuating.

Contact Us Today

Let Capalbo Insurance Group LLC help you make your auto insurance work for you. Don’t face the next hurricane season in South Kingstown, RI, without auto insurance that fully covers you. Call or email our office today for an auto insurance review and to update your auto policy before hurricane season begins.

How Company Owners Should Choose an Employee Health Plan

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As a business owner, you know the importance of buying commercial insurance to protect your company’s assets. You’ll need insurance to protect your building and property, as well as insurance to protect your employees, such as worker’s compensation and health insurance. If you live near South Kingstown, RI, and have questions about your insurance needs, our team at Capalbo Insurance Group LLC can provide options for your company’s commercial insurance.

Choosing Your Employees’ Health Insurance Plan

Your employees are one of your greatest assets. According to Monster, when it’s time to choosinghealth plan, begin by asking your team about their insurance needs and health habits. Explore several healthcare plans to determine which is best for your company. For example, you could choose an HMO (Health Maintenance Organization) or a PPO (Preferred Provider Organization) to allow your employees to designate a primary care provider.

Cost is a factor in any health insurance policy, so you should compare premiums and deductibles offered by several policies before choosing one for your team. Another factor that will be important to your employees is the ease with which they can submit health claims for coverage. Ask your insurance agent about flexible spending accounts for health insurance, which allow employees to save money on their health care costs.

Call Us Today for Your Appointment

No matter your health plan choice, we can find a competitive price and a policy that fits your needs. Our Capalbo Insurance Group LLC team has been serving clients in your area for over 22 years. Businesses in the South Kingstown, RI area can feel confident in trusting their commercial insurance needs to us. Call us for an appointment today, and let’s talk about insurance.

Does Home Insurance Cover My Computer?

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Considering the costs of some laptops, tablets, and desktops, it’s important to ensure your home insurance covers your computer. While most homeowners’ policies do to some extent, but that extent can vary. Here’s what you should know about home insurance and computer coverage.

Computer Coverage Under Home Insurance

Most home insurance policies include coverage for personal property, which typically encompasses electronics like computers. If your computer is damaged or lost due to a covered peril, such as theft, fire, or storm damage, you can file a claim for its value.

However, the payout of your claim will be subject to several details, including your policy’s limits and where the incident occurred.

Limits on Electronics Coverage

Many home insurance policies have specific limits for electronics. These are lower than the total personal property coverage limit and sometimes can be lower than a computer’s value. If you have multiple devices damaged or stolen, you may not be reimbursed for their total value. You also might not be reimbursed fully for a high-end computer’s value if it’s worth thousands of dollars.

At Capalbo Insurance Group LLC, we can help you check your home insurance policy’s electronics limits. We can also help you add a rider for additional coverage or find a new policy if you need more protection. Our agents have worked with many South Kingstown, RI homeowners.

Off-Premises Coverage

Whether your computer is covered when not at home also depends on your policy’s specifics. Some policies offer restricted protection that only applies when personal property is at your South Kingstown, RI residence. Other policies have "worldwide coverage" that extends to most places.

To check whether you have "worldwide coverage" for your computer, let us at Capalbo Insurance Group LLC help review your home insurance policy. We’ll make sure your computer and your other possessions are protected.

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