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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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Do I need to get umbrella insurance in New York?

Anyone that is in the Scotia, NY area will need to make sure that they spend time assessing all of their insurance needs. A form of insurance that would be helpful for most people is umbrella insurance coverage. When you have this type of insurance protection it is going to offer you the coverage needed to mitigate personal liability risk. There are a few reasons why you will need to have this protection here. 

Umbrella Coverage Helps With Big Claims

If you live in New York you may already have liability protection in an auto or liability insurance plan. While this can be helpful, there is a chance that a liability claim will be in excess of your base insurance plan. Since this risk will always exist, it will be important for you to get a policy that provides the additional coverage that you need to offset this risk. An umbrella plan will give the coverage you need on top of these existing policies. 

Umbrella Coverage Protects Against Unpredictable Situations

You will also want to get an umbrella plan in New York because it can protect against some unpredictable situations. While some liability risks are predictable and covered by other insurance plans, there is always a chance that you could face an unpredictable liability claim that is not covered. Fortunately, you can mitigate this risk by getting umbrella coverage as it provides broader liability protections. 

If you would like to learn more about the benefits of having umbrella coverage in the Scotia, NY area, it would be helpful to call the team with DePaulo Agency. There are a lot of services that DePaulo Agency can provide including answering your insurance questions and helping you to assess your insurance needs. The team here can also offer you the support that you need to build an appropriate policy.