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Podmaska Insurance Agency

1309 Chalkstone Ave.
Providence, RI 02908

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Winterizing Your Condo: Protecting Your Unit Against Cold Weather Hazards

As winter approaches, ensuring your condo is prepared for the colder months becomes crucial. At Podmaska Insurance Agency, serving Rhode Island and nearby regions, we understand the importance of safeguarding your property and comprehending the insurance implications associated with winter.

Shielding Your Condo Against Cold Weather Hazards

Before winter sets in, taking proactive steps to winterize your condo can prevent potential damages. Inspect for drafts around windows and doors, sealing any gaps to prevent heat loss and reduce energy costs. Don’t overlook insulating exposed pipes to prevent freezing, which can lead to costly damage. Professional maintenance of your heating system ensures its efficient operation during the colder temperatures. Additionally, a roof inspection for damage or loose shingles prevents leaks and water damage during snow or rain.

Grasping Insurance Coverage for Winter Hazards

Understanding your condo insurance policy in the context of winter-related risks is crucial. Assess what exactly your policy covers during winter months, such as damage from burst pipes or roof collapses due to heavy snow. Verify if your policy encompasses liability coverage for slip-and-fall accidents on your property due to icy conditions. Keeping comprehensive documentation of the winterization steps taken in your condo can be invaluable in the case of insurance claims.

Secure Comprehensive Coverage Today!

Winterizing your condo is essential for protecting it against cold weather hazards. Understanding your insurance coverage during this season is equally crucial. Connect with us here at Podmaska Insurance Agency today to discuss your condo insurance needs serving Rhode Island and nearby areas. Let our experts guide you in securing comprehensive coverage for your condo this winter. Prepare your home for the colder months and safeguard it against potential risks today.

Is Life Insurance Right for Single Adult Women?

Life insurance is a vital tool that provides peace of mind for people of all ages.  While it’s especially important for parents, it’s also important for single adult women as well.  If you’re single and don’t feel life insurance is necessary for you, think again.  We at Podmaska Insurance Agency serving Rhode Island could help you figure out your best options for life insurance and why it’s important for you.

It Could Provide Benefits for You While You’re Alive

If you’re thinking about obtaining a whole life policy, it could build cash value for you while you’re alive.  You may likely go through a rough patch financially at some point and may need this for emergency help.  Taking out some money helps you pay some major expenses or serious bills.  Also, the interest rates on a life insurance policy are known for being lower than credit cards.

Life Insurance Could Pay for Medical Expenses

What if you’re not in the best health?  Life insurance could come in handy when it comes to this.  It could help if you opt for a rider such as a critical illness or an accelerated death benefit.  Also, if you pass a medical exam, you can get a cheaper option like a term life policy.

You Can Use it to Help your Aging Loved Ones

Just because you’re single and don’t have a spouse or children to worry about doesn’t mean you don’t have other loved ones to care for.  Life insurance could help you take care of your aging or disabled parents or siblings.  In the event something were to happen to you, you could name them as your beneficiary.

Contact Us to Examine your Options

Finding the right life insurance policy takes time and patience in Rhode Island.  Don’t hesitate to find help.  Contact us at Podmaska Insurance Agency to schedule an appointment today.             

Do I Need Additional Coverage on My Auto Insurance Policy?

Rhode Island requires all motorists to have auto insurance. The minimum requirements include:

  • Coverage for bodily injury or death.
  • Liability coverage for total body injury or death.
  • Coverage for property damage.

Additional coverage can be added to your policy if you decide. A skilled agent at Podmaska Insurance Agency can assist you in ensuring that you get the best policy for your needs with all coverage options that are right for you.

Additional Coverage

The minimum automobile insurance requirements provide primary coverage in case of an accident. To provide more peace of mind, one of our agents can assist you in adding additional coverage that will cover more than just the minimum. Additional coverage includes:

  • Uninsured Motorist Coverage covers others if you’re responsible for the accident. This coverage may also pay for the cost of an attorney if you are sued and may cover accident-related repairs or medical bills and even lost wages. 
    • If you get into an accident caused by an uninsured driver or a hit-and-run, this type of coverage can reimburse you.
  • Medical Payments/Personal Injury Protection (PIP) pays for treating injuries to you and your passengers after an accident.
  • Comprehensive & Collision Coverage pays to fix or replace your vehicle if it’s stolen or damaged in an accident or other unexpected event.

Contact A Rhode Island Agent Today

Accidents happen every day. To give you peace of mind, speak to one of our agents covering Providence, Rhode Island, and the surrounding area to get you the right policy. Whether it’s sticking to the minimum requirements or you are considering adding additional coverage, one of our Podmaska Insurance Agency agents can help. Call our office today!

Commercial Insurance FAQs

At Podmaska Insurance Agency in Rhode Island, we help our clients protect their businesses with our commercial insurance policies. Since your business is your livelihood, it pays to get the right kind of coverage to insure it against liability and other concerns. Our team has walked plenty of new and seasoned business owners through obtaining commercial insurance. As a result, we’ve got the answers to frequently asked questions about commercial insurance below.

What Is Commercial Insurance?

Commercial insurance is the same thing as business insurance. These policies protect businesses and assets related to the businesses. Unlike regular home or auto insurance, commercial insurance covers property and vehicles tied to commercial operations. It has unique terms and limits that apply to your business endeavors.

What Does Commercial Insurance Cover?

While every policy is different, commercial insurance policies generally cover liability, replacement of stolen equipment, and damage to property related to the business in qualifying circumstances. If you have company vehicles, your commercial insurance policy may also cover them in ways that are similar to regular auto insurance. Commercial insurance may also pay for expenses related to medical bills if someone gets injured on the site of your business and you are found to be at fault.

Why Should You Get Commercial Insurance?

You should get commercial insurance if you own a business because it will help you cover emergencies and problems that are hard to foresee. That layer of protection will give you peace of mind as you conduct business. It’s also best to get commercial insurance before you need it so you can use the policy when a problem arises.

Contact Us

To learn more about the commercial insurance policies and other coverage options we offer, call our office at Podmaska Insurance Agency in Rhode Island today!

4 Common Insurance Mistakes Homeowners Make

Choosing the right home insurance policy is essential for current and new Rhode Island homeowners alike. Not only is having adequate coverage a must but having a clear and concise contract explained by a Podmaska Insurance Agency representative can make or break the deal.

Here are some common errors to avoid when obtaining a homeowners’ insurance policy:

1. Under-Insuring the Home

Your home is one of the biggest purchases you’ll likely ever make, so getting a bare-bones basic policy to save money could cost you big in the end. While you’ll be required to have insurance to cover your mortgage, situations that are disastrous may require a policy that allows you to rebuild.

2. Setting the Deductible Incorrectly

While a higher deductible typically lowers insurance rates, setting it too high can backfire when something goes wrong. Even setting it too low can leave you stuck having to pay more for the repairs out of pocket. Our agents advise many clients to set their deductible at $500 or $1000.

3. Not Reading the Policy Carefully

You should always know what you’re getting when you invest in homeowners insurance. Policies do change from time to time, and these alter your policy. The most likely reasons for changes may be related to new requirements by the HOA, legal regulations, and the age and location of the property. Read every line, as you might discover some major systems aren’t covered without customizing the policy after the home gets 20+ years old.

4. Failing To Customize Your Coverage

Some standard policies may not have all the coverage you need at times. For example, on older homes, roofing replacement might require a separate policy addition, and this is the case in coastal regions that face storms and risk flooding. Be sure to customize your policy by working with an experienced agent.

Reach Out To Us

At Podmaska Insurance Agency, we serve Rhode Island residents with customized home insurance policies. We can help create a policy that meets your needs in case an incident occurs. Contact us today for more information!

Partner Carriers

  • Allstate
  • Beacon Mutual
  • Farmers
  • Foremost
  • Hiscox
  • Mapfre
  • Narragansett Bay
  • National General
  • Nationwide
  • Progressive
  • RI Joint Reinsurance
  • Safeco
  • Stillwater
  • Travelers
  • TypTap