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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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Motorcycle safety tips

Motorcycle accidents can be very dangerous, even life-threatening. To stay safe while driving a motorcycle, it is essential to know the proper safety tips and always wear a helmet. In the event of an accident, it is essential to know what to do to protect yourself and others. Here are some tips for new riders.

1. The importance of wearing a helmet while riding a motorcycle

It is smart to wear a helmet while riding a bike, as it can protect you in an accident. A helmet can help to protect your head and neck from injuries in the event of a crash. It is also important to ensure that your helmet is fitted correctly and certified to meet safety standards.

2. How to stay safe while driving a motorcycle

You can do several things to stay safe while driving a motorcycle. Please ensure you are familiar with the bike before you ride it, and always wear protective gear, including a helmet, gloves, and jacket. It is also important to avoid riding in bad weather conditions and to obey all traffic laws. Additionally, be aware of your surroundings and keep a safe distance from other vehicles.

3. What to do in the event of an accident

If you are involved in a motorcycle accident, staying calm and taking steps to protect yourself and others is important. If you are injured, seek medical help immediately. Once it is safe to do so, gather information from the other drivers involved in the accident and exchange insurance information.

If you have any questions about your insurance coverage, call the DePaulo Agency today. We proudly serve the Scotia, NY area.

Three things you shouldn’t assume about your boat insurance policy

As a boat owner, you need to be well informed about insurance for your watercraft. Boat owners in Scotia, NY can learn about boat insurance by contacting us at DePaulo Agency.

A lot of boat owners make inaccurate assumptions when it comes to insuring their watercraft. The following are three things you shouldn’t assume about your boat insurance policy. 

Boat insurance covers your boat in any body of water.

It’s important to realize that most boat insurance policies have geographical limits. You cannot assume that your policy will cover you wherever you use your boat if you travel far from your home location and wish to go boating. 

Your driving record doesn’t impact the cost of boat insurance.

Consumers are typically aware of the fact that their driving record impacts the costs of their auto insurance. However, many consumers don’t realize that their driving record can also affect the costs of their boat insurance. 

A driving record with numerous serious infractions will mean that a consumer may have to pay more for boat insurance or struggle to get boat insurance coverage. 

You don’t need boat insurance if it isn’t required by law. 

In many states, in some or all situations, boat insurance is not required by law. However, this does not mean that boat owners should not purchase boat insurance coverage. 

Boat insurance protects boat owners financially regardless of whether it is required by law. Investing in a boat insurance policy with liability and collision coverage is always best. 

Do you have questions about boat insurance? We’d be happy to hear from you at DePaulo Agency. Get in touch with us today to learn more about our policy options for boat insurance. 

Should You Drop RV Insurance in the Winter When the RV is Not Being Driven?

We offer insurance products at DePaulo Agency, serving the greater Scotia, NY region. One of the types of insurance products that we are pleased to offer our customers is RV insurance. However, one of the questions we are often asked about RV insurance is whether RV insurance can be dropped in the winter months when the RV is not being driven. Read on to learn more about this topic, especially if this is a question that you have. 

Should You Drop RV Insurance in the Winter When the RV is Not Being Driven?

It would help if you did not drop RV insurance in the winter when the RV is not being driven. First, in New York, you are required to carry insurance on the RV. If you fail to do so, registration may be revoked. Secondly, your RV insurance policy may also cover the RV against theft, fire, and falling trees. All of these things can occur even when an RV is being stored. Carrying insurance is still important even when the RV is not being operated. 

What Can You Do Instead of Dropping Your RV Insurance in the Winter Months? 

If you do not plan on using your RV for some time, reach out to your insurance company and ask if they have any discounts for RV insurance when the RV is not going to be operated. They may be able to reduce the anticipated mileage, which may help to reduce the amount you pay for RV insurance. 

At DePaulo Agency, serving the greater Scotia, NY area, we can help you get the best RV insurance policy for your needs. Call us now, and let’s talk about your RV insurance needs and let us help you find the ideal policy for you. 

Can Roommates Share a Renters’ Insurance Policy?

At DePaulo Agency, serving the greater Scotia, NY area, our team offers an array of insurance products to serve local community members. One of the products that we offer is renters insurance. Unfortunately, we have seen many misconceptions about renters insurance among renters. One of the questions is whether roommates can share a policy or whether every roommate needs their own renters’ insurance policy. Read on to learn more about this topic. 

Can Roommates Share a Renters’ Insurance Policy? 

Roommates can share a renters’ insurance policy as long as they live under the same roof. However, most professionals recommend that each renter has their own policy. The reason for this is that you have full control over the policy. If you are sharing a policy, you may not know if a premium is paid late and your policy has been canceled, or you may not know the policy’s limits. When you have your own policy, you have full control over every aspect of the policy. 

How Can You Verify If You Are Covered Under a Renters’ Insurance Policy?

If you share a renters’ insurance policy with roommates, verifying that every renter’s name is covered under the policy is crucial. Look at the policy and look at the covered individuals. People make a mistake and assume that since the address is listed on the policy, it covers every renter listed under that address. Unless your name is specifically listed as a covered party, you are not covered under the policy. 

Whether you are looking to get your own renters’ insurance policy or to share a policy with one or more roommates in the greater Scotia, NY area, DePaulo Agency is here to help you. Call or email us today to learn more about obtaining a renters’ insurance policy for rented homes, apartments, condos, or even rented rooms. 

Top 3 Rapidly Growing Small-Business Industries

When you want to start your own business, the first thing that probably crosses your mind is how to make enough money to stay afloat. There are specific sectors of the economy that are increasing. If you have a business that caters to these industries, then it’s likely that your small business will grow exponentially very soon. DePaulo Agency of Scotia, NY presents three small business industries that are multiplying and how you can tap into them.

Sustainable Products And Services

The first rapidly growing small business industry involves sustainable products and services. The term “sustainable” is used more often nowadays, as people are becoming more concerned about the environment. Sustainable products and services are those that help to preserve the environment. You’re lucky if you have a company that offers green services or products. Many people are switching to sustainable products as they become more environmentally conscious.


Another rapidly growing small business industry is eCommerce. E-commerce is the buying and selling of goods or services over the Internet. It’s one of the fastest-growing industries in the world today, and it’s also one of the most profitable. With eCommerce, you don’t need a storefront to earn an income. You can sell your products and services online, so you don’t have to pay for rent, utilities, or overhead expenses.


EdTech is a growing sector because it offers educational services to almost all sectors of the economy. It can create various school management systems, educational software, and other learning tools. It is important to note that how a person learns is changing, and today, more and more people prefer digital learning content over conventional classroom-based learning. To cater to this growing demand, many companies have started investing in developing EdTech solutions.

Bottom Line

No matter what business you decide to start, you want to make sure your investment is well-protected. If you own a business in Scotia, NY, let the DePaulo Agency find the right commercial insurance policy for you today.

What Happens if I Can’t Live In My Home After a Disaster?

Sometimes disasters strike without warning. But even when they don’t, life can be challenging after a predicted disaster. You may have to stay away until the storm passes. Or you may have to leave your home in Scotia, NY, altogether because it has been damaged or destroyed. All of these sudden costs can be hard to deal with.

How will you survive financially? DePaulo Agency believes a home insurance policy is the best preparation you can make.

Repairing or Rebuilding Your Home

A standard homeowners insurance package will usually cover the cost of fixing or replacing your home. The insurance company will work with you to determine the extent of the damage and then pay for the repairs or replacement.

Your personal belongings will also be covered up to the limits of your policy. Certain items require special coverage, such as jewelry, antiques, and collectibles. However, home insurance is an excellent way to protect your financial assets following a disaster.

It’s important to note that this coverage is only for the perils listed in your policy. Certain disasters, such as earthquakes, floods, and hurricanes, might not be covered. These events often require a separate policy.

When You Have To Stay Away From Home

Sometimes the damage is so severe that you can’t live in your home immediately. This is where Living Expenses coverage comes in. Living Expenses coverage will pay for your extra living expenses while away from your home. It does not cover the regular living expenses you would already have in your day-to-day life. This coverage is usually only available for a limited set of fees, like hotel or restaurant bills.

Don’t let a disaster ruin your life. If you live in the Scotia, NY area, contact DePaulo Agency today to learn more about your home insurance options.

Do I Need Personal Injury Protection (PIP)?

If you’ve been in a car accident, you may be wondering if you need personal injury protection (PIP). PIP is a type of insurance that can help cover your medical expenses and lost wages if you’re injured in a car accident. In some states, PIM is mandatory, while in others, it’s optional. So how do you know if you need PIP? Read on to find out.

Understand What It Covers

PIP is a type of no-fault insurance, which means that it can help cover your injuries and expenses regardless of who was at fault for the accident. PIP typically covers:

  • Medical expenses: PIP can help cover your medical bills, including hospitalization, surgery, ambulance fees, and more.
  • Lost wages: If you’re unable to work because of your injuries, PIP can help to cover your lost wages.
  • Funeral expenses: In the event of a fatal accident, PIP can help to cover funeral costs.

You will typically need to file a claim with your own insurance company to receive these benefits. You may also be required to submit documentation, such as medical records and police reports, to support your claim.

Do You Need PIP?

Now that you know what PIP covers, you may be wondering if you need it. As we mentioned, whether or not you need PIP is determined by your state’s laws. In some states, PIP is mandatory, while in others, it’s optional.

Additionally, even if PIP is not required by law in your state, your insurance company may still offer it as an option. If you’re considering whether or not to add PIP to your policy, you’ll need to weigh the costs and benefits. But always remember, having more insurance that protects you in the event of an accident is always better than having too little.

As you can see, personal injury protection can be a helpful type of insurance to have if you’re involved in a car accident. Call DePaulo Agency in Scotia, NY to get a quote for PIP insurance. Please don’t wait until it’s too late; get protected today.

What Are the Benefits of Having Umbrella Insurance?

When it comes to personal finances, there are many things to think about. One important decision is whether or not to purchase umbrella insurance. While the decision may seem difficult, the benefits of having umbrella insurance are clear. Let’s take a look at some of those benefits.

1. Help Protect Your Assets

One of the main reasons to purchase umbrella insurance is to help protect your assets. If you are sued and found liable for damages, your personal assets could be at risk. Umbrella insurance can help provide the extra coverage you need to help protect your home, savings, and other assets.

2. Coverage for Damages Above Your Auto and Home Insurance Limits

Another reason to have umbrella insurance is that it can provide coverage for damages that exceed your auto and home insurance limits. If you are involved in an accident, or your home is damaged, your auto and home insurance policies may only cover a portion of the damage. Umbrella insurance can help provide the additional coverage you need to protect yourself financially.

3. Peace of Mind

Another benefit of having umbrella insurance is peace of mind. Knowing that you are insured for a certain amount of damage can help reduce stress in difficult situations. Umbrella insurance can also provide peace of mind regarding your future. If you are ever in a situation where you need to file a claim, you will know that you are covered.

4. Coverage for All Occasions

One of the best things about umbrella insurance is that it provides coverage for almost all occasions. Whether you are involved in a car accident or someone slips and falls at your home, umbrella insurance can help cover the costs of damages. This type of policy can also provide coverage for defamation, libel, and slander.

5. Affordability

Umbrella insurance is surprisingly affordable. When comparing the cost of umbrella insurance to the potential cost of damage, it is clear that umbrella insurance is a wise investment. For a small annual premium, you can have peace of mind knowing that you are protected financially.

Need Umbrella Insurance in Scotia, NY?

There are many reasons to purchase umbrella insurance. The benefits of having this type of policy are clear and can provide peace of mind in difficult situations. If you are looking for additional coverage, umbrella insurance is a great option. DePaulo Agency can help you find the right policy for your needs. Contact us today to learn more.

4 Key Areas Covered By Motorcycle Insurance

Are you a motorcycle enthusiast? Well, then you already know the fun of having an open-door adventure with your bike. But do you also know the risk your bike poses? You may have all the protective gear, but that may not help you in the event of an unthinkable occurrence.

With that in mind, motorcycle insurance is the real deal when you want to enjoy your motorcycle. It offers a financial safety net for your bike and yourself as well. That said, choosing the correct insurance is significant as it will help you have the right policy that suits your needs and lifestyle. DePaulo Agency is here to help you find the best policy. We’ve prepared for your four areas covered by motorcycle insurance. Let’s explore

Liability coverage

New York state requires you to carry proof of insurance while registering your motorcycle. Liability coverage covers property damage and bodily injury to others when you are at fault for an accident.

Physical damage coverage

Collision coverage covers damage caused to your motorcycle after colliding with a stationary object or another vehicle. Motorcycle insurance goes beyond just covering you on the road. Comprehensive insurance pays for damages caused by non-collision perils like theft, fire, vandalism, falling objects, and natural disasters.

Medical payments coverage

Motorcycle insurance pays for the medical costs for you and your passengers when involved in an accident. This way, you can focus on your recovery without stressing about medical bills.

Underinsured and uninsured coverage

People still disobey the law and ride without insurance or with inadequate coverage. Thankfully, motorcycle insurance covers damages and injuries caused by an uninsured or underinsured motorist.

Motorcycle insurance in Scotia, NY

Motorcycles don’t come cheap. When you get into an accident, you will be glad you had your motorcycle insurance in place. The aftermath of the accident makes the policy a worthwhile investment. Ready to purchase your motorcycle insurance in Scotia, NY and its environs? Please contact DePaulo Agency for an affordable quote.

Here’s Why You Need Boat Insurance

While boat insurance isn’t a mandatory requirement in New York, you need this investment if you want to enjoy your vessel to the fullest. Whether you have a fishing, sailing, or cruising boat, here are the reasons you need boat insurance from DePaulo Agency of Scotia, NY.

It may be required

Yes, we said boat insurance isn’t compulsory in New York, but your lender may require it as long as your loan liability is outstanding.

To protect your asset

Your boat is a significant asset that needs protection at all times, whether inside or outside the water. Comprehensive boat coverage protects your boat against non-accident risks like fire and theft. Collision coverage cushions your boat against physical damage after a crash with another boater or stationary object.

Liability protection

Boat accidents aren’t as common as car accidents, but when they occur, you could be responsible for injuries or property damage to other people. Worse yet, since we live in a litigious society targeting persons with prime assets, you could be sued for accidents you cause. Thankfully, you don’t have to incur out-of-pocket when liability claims knock on your doors.

Medical payments

If you or your passengers suffer bodily injuries following a boating accident, your boat insurance pays for the medical expenses. This way, you can focus on your recovery without worrying about medical bills.

For peace of mind

You definitely don’t want to be thinking about this and that peril when enjoying your boat in the water. Boat insurance can be that investment that erases your worries when in the water.

Boat insurance in Scotia, NY

Boat insurance can save you from sliding into a financial mess. From covering you against liabilities to compensating you for your boat damages, there is so much boat insurance can do for you. To get boat insurance coverage, don’t hesitate to get in touch with DePaulo Agency for an affordable quote.