Richard A. Kowalsky Insurance Agency, Inc.

09/08/2026

Your landlord’s policy covers the building not your stuff. Renters insurance helps protect your belongings, often for less than you’d think. Here’s how it works:

If you rent a house or apartment and think that your landlord is financially responsible when there is a fire, theft or other catastrophe—think again.

09/01/2026

As the seasons change, so do your car’s needs. A little seasonal maintenance now can save you headaches (and repair bills) later. Here’s your checklist:

The dramatic weather changes around this time of year (in most areas) can affect your vehicle's performance in many ways, so it's a great idea to make sure your car is in great shape.

08/19/2026

Your camper is your home away from home. Make sure it's protected like one. Here's a clear breakdown of what camper insurance covers and why it matters before every trip:

Learn what camper insurance covers, including travel trailer, camper van, and camping trailer policies-plus optional coverages like total loss replacement and full-timer protection.

08/12/2026

Dwelling coverage is the foundation of your home insurance policy — but do you know exactly what it protects? Here's a straightforward breakdown of what dwelling coverage means for you:

Dwelling coverage, also called Coverage A, protects the physical structure of your home. Learn what it covers and why it matters in home insurance.

08/05/2026

Your home is your most valuable asset. Does your insurance policy protect it from nature's worst? Here's what standard home insurance typically covers and what it doesn't:

Does home insurance cover natural disasters? Learn which disasters are typically covered, which aren't, and when you may need separate coverage.

07/29/2026

Nothing says summer like firing up the grill — but safety should always come first. Before you flip that first burger, check out these essential grilling safety tips:

Keep these safety tips in mind before firing up your grill!

07/29/2026

July is National Vehicle Theft Prevention Month — a good reminder that a few simple habits can go a long way. Here's what NHTSA[JR1.1] recommends to help protect your vehicle this summer:

Motor vehicles are the primary mode of transportation for most of us, and often an indispensable part of our lives. But what would happen if your

07/22/2026

Do you know what to do if you get in a car accident? Brush up with this play-by-play guide to making an auto claim if an incident occurs:

1. Call your insurance professional as soon as possible — even from the scene of the accident—regardless of who is at fault. Even if the accident appears minor, it’s important to let your insurance company know about the incident and to find out whether your auto insurance policy covers you fo...

06/16/2026

Every business needs insurance, but construction contractors face a unique blend of risks which may require different coverage than the typical small business. Learn about insuring your business as a contractor at:

Your small construction business needs several of the same insurance coverages as any other business, as well as other types of insurance specific to your industry. If possible, use an insurance agent who has experience with your type of business and who works with insurance companies that specializ...

06/09/2026

There’s no better way to see the world than on the road, a place where you don’t miss a single moment of adventure. Planning your next highway adventure doesn’t have to be overwhelming with this great guide: https://bit.ly/3PJ4jCh