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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

Things home insurance won’t cover

When you choose your home insurance, you probably feel invincible. Nothing can happen to your home that you aren’t prepared for. This is not totally correct, like most insurance, home insurance has exclusions, things that it doesn’t cover. At Capalbo Insurance Agency LLC in South Kingston, RI we try to make sure that all of our customers understand what their home insurance covers and what it doesn’t. 

Home Insurance Exclusions

Earth movement

Earth movement covers a variety of different events including but not limited to earthquakes, sinkholes, mudslides, landslides, and subsidence. All of these can cause catastrophic damage to your home. If you live in an area where any of these is a possibility, it is important to consider adding this coverage in the form of a rider or an additional policy to make sure you are protected. 


Floods that come from groundwater or are not covered under a traditional home policy. If your home is flooded by a broken pipe, this is covered. Floods are very damaging, and every year more and more places flood due to rising water levels. Flood insurance is sold by the federal government through insurance agents. If there is any potential for your home to be damaged by flooding, you should get this important coverage. It doesn’t take much water to cause a lot of damage. 

Owner neglect

As a homeowner, it is your responsibility to maintain the condition of your home. This means that you need to make sure that termites aren’t destroying your home, that mice are not infecting it, and that your roof gets replaced before it allows your interior to be damaged. Your insurance company can require you to do the necessary repairs if they discover that you are not maintaining your home. 

We Can Help!

Contact Capalbo Insurance Agency LLC in South Kingston, RI to discuss your home insurance needs. 

How to prepare your house for a storm

At Capalbo Insurance Agency LLC, serving the greater South Kingstown, RI region, we provide home insurance to residents in Rhodes Island. We also want to provide tips to help protect your home. When a storm is headed your way, it’s important to take precautions.

Here are a few tips to help you protect your home before a storm:

1. Trim trees and shrubs, so they don’t damage the roof or windows during a storm.

2. Make sure your roof is in good condition and that the shingles are secure – a strong storm could easily blow them off.

3. Check your windows and doors to ensure they are sealed properly and won’t let in any water. You may also want to cover them with plywood, depending on the intensity of the storm.

4. If you have a generator, make sure it’s in working order and has enough fuel to last through the storm in case power goes out.

5. If you have a backyard pool, make sure to cover it to prevent any storm damage or any foreign objects from flying into it.

6. Put all your important belongings and documents in a safe place, such as a waterproof storage container or fireproof safe.

7. Charge your mobile devices so that you’ll be able to stay connected even if the power goes out.

8. Stock up on enough food and water for at least three days, in case you are unable to leave your home for a while.

9. Fill up some jugs with fresh water. You can also fill the bathtub up if needed.

Get The Right Coverage For Your Home

Preparing for a storm is an important step in keeping your home and belongings safe. By following these simple tips, you can help minimize the potential damage and keep yourself and your family safe during severe weather. For more insurance advice, call Capalbo Insurance Agency LLC today. We proudly serve the South Kingstown, RI area.

Servicing States

  • Rhode Island
  • Massachusetts
  • Connecticut


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