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Capalbo Insurance Group, LLC

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

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Featured Insurance Blog

The Importance of Comprehensive Auto Insurance for Rhode Island’s Coastal Residents and Drivers

Rhode Island is an idyllic destination for those who love coastal activities like boating, fishing, and crabbing. But, if you call South Kingstown, RI your home, obtaining comprehensive auto insurance for protection is of utmost importance. Understanding why comprehensive auto insurance is a vital investment can guide you in choosing the right policy for your needs from Capalbo Insurance Group LLC.

Ensuring Peace of Mind

Comprehensive auto insurance grants peace of mind, safeguarding your vehicle against significant storms or natural disasters. Whether your vehicle sustains wind damage or flood-related harm to the motor or transmission, comprehensive coverage provides year-round protection in Rhode Island.

Protection Against Coastal Hazards

Living in Rhode Island offers an unparalleled experience of coastal life. However, the region has its own share of hazards, such as saltwater corrosion, flooding, and unexpected hurricanes. Comprehensive auto insurance shields your vehicle from damage due to flooding, heavy rains, storm debris, and excessive saltwater exposure.

Additional Coverage

A traditional auto insurance policy may not provide coverage against floods, hurricanes, or storm damage. However, comprehensive insurance ensures protection for your vehicle during any unpredictable event, thus mitigating the financial impact of natural disasters and coastal risks.

At Capalbo Insurance Group LLC, we understand the importance of protecting your loved ones and your vehicle, particularly while traversing Rhode Island’s beautiful but unpredictable coastal regions. If peace of mind on the road is what you seek, contact Capalbo Insurance Group LLC today for your comprehensive auto quote near South Kingstown, RI.

Does Commercial Insurance Have a Deductible?

Ensuring you have proper insurance coverage safeguards your business from accidents, errors, and, often, natural disasters. Commercial property owners without insurance usually have to close their doors when emergencies happen due to the massive financial setbacks. However, it’s essential to understand how your Capalbo Insurance Group LLC insurance works to make sure you don’t wind up with a surprise bill when you need insurance the most. 

What Are Deductibles?

Many types of insurance have a deductible, the portion a person must pay before the insurance kicks in. Health insurance often has a deductible. A person may have to pay full price for their medication until they meet the deductible; at this point, insurance kicks in and pays for the medicine. Most insurance policies have a yearly deductible. 

Commercial Insurance Deductible

Most commercial insurance policies in South Kingstown, RI, have a deductible, but this does depend on the policy. Worker compensation insurance plans may not have a deductible, but commercial insurance, as does commercial property insurance, commonly has one. It’s crucial to ask your insurance company how much your deductible is so you’re not surprised by an unexpected cost during an emergency. 

Factors Impacting Your Deductible

Several different things may impact how much your deductible is. Your insurance premiums tend to affect how much you’ll pay out of pocket. Typically, people with higher insurance premiums have a lower deductible. Things like your age and driving record often impact the deductible for commercial auto insurance. Living in a disaster-prone area, the number of insurance claims and more may impact your deductible. 

Contact Capalbo Insurance Group LLC

It’s best to work with an agent serving the South Kingstown, RI, area to determine how much your deductible is. They can also give tips and tricks to help you lower your deductible. Contact a professional at Capalbo Insurance Group LLC today to learn more. 

When Do You Need To Add More Homeowners Insurance Coverage For Your Home

Capalbo Insurance Group LLC Discusses Adding Coverage To Your Homeowners Policy

Standard homeowners insurance policies are designed to cover many of the common risks homes face in everyday life. However, there may be situations where individuals require additional coverage for unique features or additions to their homes. At Capalbo Insurance Group LLC, located in South Kingstown, RI, we are ready to assist you in obtaining the necessary extra coverage.

Understanding Your Standard Homeowners Coverage

The typical homeowner’s policy covers common hazards such as fire, theft, vandalism, and various other types of damage. However, living in areas prone to hurricanes, earthquakes, or flooding may necessitate the addition of extra coverage to avoid costly repair and replacement expenses.

When You Might Need Additional Insurance Coverage

Several circumstances might prompt you to consider augmenting your current policy. Your property value may have surged significantly, which commands more coverage. Additional features installed in your home, like a hot tub or sauna, may not fall under a standard policy. If the cost of rebuilding has dramatically increased, you might need to adjust the coverage amount to accommodate a potentially significant event. Major renovations, such as increasing square footage or adding more bathrooms, will raise your home’s value. Similarly, if you have introduced expensive artwork, jewelry, or other high-value items that exceed your policy’s limit, it would be prudent to enhance your insurance coverage.

Make Capalbo Insurance Group Your Agency For Home Insurance in Rhode Island

Our agents in South Kingstown, RI are available to provide comprehensive answers to assist you in making informed decisions about your insurance. We supply our clients with various insurance products encompassing auto, home, life, renters, RV, and business. Contact Capalbo Insurance Group LLC today for a no-obligation quote on homeowners insurance that includes additional protection tailored to your updated requirements.

The Pros and Cons of Different Auto Insurance Deductibles

At Capalbo Insurance Group LLC in South Kingstown, RI, we understand that one of the most important decisions you will make when purchasing a new auto insurance policy is the deductible amount you select.

What is the Deductible?

An auto insurance deductible is the out-of-pocket amount you agree to pay before insurance will pay the rest of your accident claim. It is your share of the financial responsibility for an auto accident. Typically, comprehensive and collision coverages are the standard car insurance coverages requiring a deductible before insurance will pay the claim. You could also see a deductible if you have uninsured/underinsured motorist coverage.

Comprehensive and collision deductibles could vary from as low as $250 to as high as $2500 or more. Deductible amounts vary by insurance company. So, what deductible will work best for you? Let’s take a look at the pros and cons of different deductibles.

Lower Deductibles

Pros:

Lower auto insurance deductibles mean your financial responsibility will be minimal in the event of a claim. It gives you greater peace of mind that if you must file a claim, you are not likely to break the bank to pay your part and get your car repaired.

Cons:

Lower deductibles mean higher insurance premium payments. While you benefit from paying less for a claim, you pay a premium for that luxury. Another thing to consider is the potential to spend more money over time, especially if you rarely report a claim.

Higher Deductibles

Pros:

Higher deductibles mean lower premium payments on your insurance policy, putting more money in your pocket now. This can be very helpful if you have a tight budget and need to save cash.

Even when filing a claim, you could save money long-term with a higher deductible.

Cons:

A higher deductible means you have higher out-of-pocket costs when filing a claim. The increased financial responsibility can be challenging if you are already on a tight budget. Additionally, many lienholders are reluctant to finance customers with higher deductibles. They believe that carrying a higher deductible is impractical. They fear such a large amount of financial responsibility will incur a hardship for you, resulting in the vehicle not being repaired and reluctance to repay the loan.

We Can Help You Make The Right Choice

At Capalbo Insurance Group LLC in South Kingstown, RI, we will help you review your insurance history, discuss your financial situation, and other unique circumstances to help you choose the right auto insurance deductible. Call us today at (401) 268-3000.

Commercial Insurance FAQs: All You Need To Know

Starting a new business can be exciting and challenging at the same time. Even if your company is relatively small, there are still many risks that you will face. As a business owner, you must constantly ensure that your precious investment and all your business assets are safe. It would be best if you also protected yourself and your employees. If you are currently shopping for business insurance but don’t know where to start, here are the answers to the most common questions about commercial insurance: 

Why should you even get insurance for your business?

As mentioned above, running your business is a journey full of risk. Anything can go wrong at any time. Commercial insurance will protect you from risks and help you recover without significant losses if things go wrong. Also, it will give you peace of mind so you can focus on your business tasks. 

Are there any factors that affect the cost of business insurance?

Yes, there are. It is important to know and consider them when shopping for a commercial insurance policy. These factors include the value of the company and assets, the number of employees, and specific risks associated with your industry. 

What type of commercial insurance should you get?

The choice of business insurance depends on your individual business needs. At a minimum, it is recommended that you have a business property and business liability insurance. You can always talk to an experienced insurance agent who will help you determine the best option. 

Are you a business owner operating your business in South Kingstown, RI, or any other nearby area? Are you shopping for commercial insurance to protect your company? Capalbo Insurance Group LLC is a local insurance agency with years of experience that is ready to assist you in finding a perfect business insurance plan. Do not hesitate to contact Capalbo Insurance Group LLC today to have coverage tomorrow. 

Strange Things Covered By Homeowner’s Insurance

You may think homeowner’s insurance is boring but necessary. However, some of the things that are covered by a standard homeowner’s policy are surprising or even strange. We offer homeowner’s insurance at Capalbo Insurance Group LLC in South Kingstown, RI. 

Spoiled Food

You may be surprised to learn that your homeowner’s policy covers the contents of your fridge. If you have a power outage, you may need to toss your refrigerated foods. The cost of this can add up quickly, but your insurance policy will cover replacing your favorite foods. 

Falling Objects 

Have you ever considered what would happen if a meteor fell from the sky and onto your home? How about a plane or satellite debris? You don’t have to worry about your home if an object falls out of the sky. Your homeowner’s policy will cover repairing or replacing your home. 

Theft and Vandalism 

If someone breaks into your home, you are covered. Your policy will cover any stolen or damaged items, and it may also cover changing your door locks. If your home is vandalized, you are also covered for any needed repairs. 

First Aid for Visitors 

If someone who doesn’t live there is injured on your property, your homeowner’s insurance will cover their expenses. This includes any first aid treatment they may need. 

Explosions 

We’ve all seen homes blow up in the movies. It’s unlikely to happen to you, but if it does, your policy will cover the costs of fixing your home or purchasing a new one. 

If someone sets off a bomb or a leaky gas pipe leads to an explosion, your finances are safe. 

Homeowners’ Insurance with Capalbo Insurance Group LLC

If you need homeowner’s insurance in South Kingstown, RI, contact us at Capalbo Insurance Group LLC. Our experienced agents are here to discuss your needs and help you select the right policy. 

For All the Unexpected Events On and Off the Road

It is said there are two kinds of drivers in the world: those who anticipate an accident at some point and those who confidently believe they’ll never have one. Nevertheless, a common thread weaves through these two distinct drivers—they both understand the crucial necessity of auto insurance, though for different reasons. If you reside in South Kingston, RI, the seasoned and hospitable team at Capalbo Insurance Group LLC has you covered with reliable auto insurance solutions.

Insurance for all Driver Types

There are those who drive with the firm expectation that an accident is an inevitable eventuality—these drivers seek auto insurance for the anticipated unexpected. On the other hand, there are those who opt for insurance for the ‘just-in-case,’ one-in-a-million chance of being in an accident. Regardless of the camp they belong to, such drivers grasp the steep expenses a car accident can incur, and the financial relief insurance can provide.

Insurance Solutions for All Accident Types

The reality is neither of these driver types is absolutely correct or incorrect. How secure a driver we are doesn’t provide an accurate prediction of whether we’ll end up in an accident. Similarly, car accidents can occur even when we are not behind the wheel, such as a tree falling onto your parked car.

Whether you anticipate an accident or not, costs will be incurred for repairs and damages when one occurs. Regardless of your expectations, accidents cost. Here’s where the committed team at Capalbo Insurance Group LLC can make a significant difference.

If you’re looking for auto insurance solutions in the South Kingston, RI area, contact us today. Ride with the assurance that your coverage meets your expectations, whatever they may be.

Increased Protection for Valuables Kept at Your Place of Business

Protecting Your Business Assets with Commercial Insurance

As a business owner, safeguarding your tangible assets is crucial, especially if they are valuable or vital to your operations. A comprehensive commercial insurance policy can do this by providing coverage for any valuable additions to your business setup.

Machinery Coverage

Machinery is often the lifeblood of a business, making its maintenance and protection essential. The high cost associated with its acquisition and replacement advocates for its inclusion in your commercial insurance policy. Document all the mechanical equipment in use and map out a coverage plan for them.

Computer and Electronic Coverage

Computers store sensitive data and crucial details indispensable to business operations. Similarly, other electronics support the machinery, lighting, and other essentials within your business setting. All these must be carefully documented and insured against potential damage or theft to prevent an abrupt disruption of operations.

Prioritizing Security

While insurance is crucial, it complements—not replaces—optimal security. Enhanced security measures such as installing a safe, security cameras, or other security options can prevent damage and theft. They also strengthen the overall resilience of your business.

Consultation with Capalbo Insurance Group LLC

Choosing the right commercial insurance coverage can be overwhelming. Luckily, you don’t have to navigate the complications alone. Our dedicated agents at Capalbo Insurance Group LLC are always ready to offer professional advice tailored to your specific needs. Let us help safeguard your business in South Kingstown, RI, with the best insurance coverage.

Home Insurance Myths: A Comprehensive Guide

The process of navigating a home insurance policy can be a challenging one. With the help of Capalbo Insurance Group LLC, South Kingstown, RI residents will receive all of the assistance that they need.

In a world where there is a wide range of home insurance myths, this comprehensive guide is here to shatter the most prevalent ones. 

Home Insurance Myths:

Renovations Will Have Zero Impact

If you are someone who is planning on making major renovations, these need to be discussed before any final decisions are made. Once you have established a policy, you will also want to review it each year so that you are not living without sufficient coverage. The size and scope of your projects will always matter in these instances.

All of My Possessions Are Protected

Nothing could be further from the truth. All of your possessions are not going to be covered, at least not automatically. There are limits to the typical homeowner’s insurance policy that need to be addressed. Don’t make the mistake of assuming that any and all losses that take place are going to be covered. You will need to pursue coverage that offers more specific forms of protection.

My Pets Will Be Covered

Pets are not automatically covered under a homeowner’s insurance policy. If your pet causes damage to the home and they are not specifically mentioned in the policy, the costs of repairing said damages will fall directly to the homeowner. If you are looking to remain protected from pet-related damages, this is a discussion that must take place before the policy is put into place.

South Kingstown, RI residents in search of the best home insurance policy have come to the right place. Contact the experienced insurance agents at Capalbo Insurance Group LLC as soon as possible. We will remove all of the guesswork from the home insurance selection process.

Why basic auto insurance may not be the right choice

Like most states, Rhode Island has a mandate about what type and amount of auto insurance you must have, at a minimum, to be legal to drive on the roads in the state.  At Capalbo Insurance Group LLC in South Kingstown, RI, we take our responsibility to our customers seriously. We make sure the auto insurance you have fits your needs and gives you adequate protection. 

Basic auto insurance in Rhode Island

Basic auto insurance in Rhode Island is 25/50/25. This is all liability coverage, and it protects other drivers from you in an accident. It provides $25,000 for injuries to one person, $50,000 for all injuries in an accident, and $25,000 for personal property. 

Why basic insurance might not be the right choice?

If you have an auto loan or are leasing a vehicle, you will not be able to get away with having basic auto insurance. The bank or the leasing company will require that you have complete auto insurance coverage to protect your vehicle. But what about if you don’t have a loan or a lease? Is basic insurance the right choice?

If you have an older vehicle with little value or you have access to another vehicle, then basic auto insurance is right for you. For the rest of us who count on our vehicle every day to get to work, take the kids to school, go shopping, and to the doctor, protecting our vehicle is vital. 

Beyond Basic

Collision coverage covers your vehicle when you are at fault in an accident. Comprehensive coverage provides protection from theft, vandalism, and many things that can cause damage. If you need your vehicle every day, you need this coverage to protect it. 

Consult With Us

Contact Capalbo Insurance Group LLC in South Kingstown, RI when you are ready to discuss auto insurance. We are here for you when you need us. 

Partner Carriers

  • Allstate
  • American Collector Insurance
  • Beacon Mutual Insurance Company
  • Cabrillo Coastal
  • Foremost
  • Hagerty
  • Harleysville Insurance Co
  • Liberty Mutual Insurance
  • Main Street America Group
  • Narragansett Bay
  • National General
  • Nationwide
  • Pie
  • Progressive
  • Safeco
  • The Hartford
  • Travelers
  • TypTap
  • United Marine Underwriters