Category: Home Insurance

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.

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.

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. 

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.

When you have a mortgage on your home, your lender makes sure that you carry insurance on the property. The bank has a vested interest in making sure that if anything happens, it can recover from the loss. If you are lucky enough to pay off your South Kingstown, RI home entirely, you may be wondering if it is worth it to continue to carry the same level of coverage as before. At Capalbo Insurance Group LLC, we will help you look at your risks and options so you can make an informed decision.

Rhode Island does not require you to carry homeowners insurance by law. However, if you decide not to carry insurance, you are assuming the risks yourself. If you suffer any losses, you will have to pay for them out of your own pocket. 

Typically, your homeowners’ policy covers:

• dwelling coverage, which protects your house in case of fire or other events;
• coverage for the other structures on your property, such as a garage or yard barn;
• protection for all the items that make your house a home, such as furniture, carpeting, curtains, and large and small appliances;
• electronics, such as TVs, stereo systems, computers, and even cell phones; and
• personal items, such as clothing, books, and jewelry.

Your South Kingstown, RI homeowners insurance also offers liability protection in case someone is injured on your property. That includes potential medical bills and even legal representation if there is a claim. Also, if you are temporarily without a home while waiting for repairs or rebuilding, your insurance will help pay for temporary housing and food.

Schedule A Consultation Today

Don’t make any snap decisions without speaking to Capalbo Insurance Group LLC. We will help you find a policy that only covers what you need.