D.W. Ferguson & Assoc.
11175 NE 2nd St, Kingston, WA 98346
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11175 NE 2nd St, Kingston, WA 98346
View this agency's profile to learn more about their services.
11065 NE Oregon Ave, Kingston, WA 98346
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Learn about insurance coverage options specific to Kingston residents.
Kingston home insurance guide: Navigate flood risks, historic home coverage, and winter weather protection. Get quotes for Stockade District & Rondout properties.
General Insurance EducationComplete insurance guide for Kingston NY residents. Compare auto rates ($864/yr avg), homeowners costs, flood coverage needs, and life insurance in Ulster County.
Car InsuranceKingston drivers need PIP, 25/50/10 liability, and uninsured coverage. Learn New York's no-fault system, local rates ($864-$1,134/year), and filing claims.
If your home is near the Rondout Creek, Hudson River, or in any flood-prone area, flood insurance is essential. Standard homeowners policies don't cover flood damage, and Kingston has experienced significant flooding during events like Superstorm Sandy (nearly 8 feet of storm surge) and Tropical Storm Irene. Even if you're not in a designated flood zone, consider coverage given Kingston's location at the confluence of two waterways.
Historic homes cost about 18% more to insure because they often have outdated electrical and plumbing systems, and they require specialized materials and craftspeople for repairs. Features like horsehair plaster, hand-cut lathe, limestone foundations, and custom millwork are expensive to repair or replace. You'll need specialized coverage that accounts for these higher reconstruction costs.
While New York's average is about $1,554 per year, Kingston homeowners often pay more due to the Hudson Valley's high cost of living, the age of local housing stock, and weather-related risks. Homes built before 1960 typically cost 18% more to insure, and premiums vary significantly based on your specific property, coverage limits, and credit score.
Kingston regularly faces winter storms with heavy snow accumulation, which can cause roof damage from snow loads, water damage from ice dams, and burst pipes from freezing temperatures. Your homeowners policy typically covers these perils, but you need to maintain your home properly—keeping your roof in good condition, insulating pipes, and promptly removing heavy snow accumulation.
Absolutely. Ulster County's median home price jumped to $465,000 in 2024—a 25.5% increase in some periods—and many Kingston homeowners haven't updated their coverage to match. If your home's value has increased significantly since you bought your policy, you could be seriously underinsured. Review your dwelling coverage annually to ensure it reflects current replacement costs, not your original purchase price.
Historic Kingston homes often need specialized coverage beyond standard policies. Consider guaranteed replacement cost coverage that will rebuild even if costs exceed your limit, or an HO-8 policy designed for older homes where replacement cost exceeds market value. Document all architectural details and restoration work, and work with an insurer experienced in historic properties to ensure proper valuation.
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