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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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3 Questions You Should Ask Your Agent About Home Insurance

When you’re shopping for home insurance in Scotia, NY, you want the best possible policy. There are several questions you should ask your independent insurance agent. At DePaulo Agency, we are here to answer all of the questions that you might have.

What coverage is included?

You will want to make sure that your standard policy covers everything that you need. This includes having enough financial protection that you would be able to repair or replace your home in the event of catastrophic damage. You also want to make sure that all of these structures on your property are included, ranging from a barn to a detached garage.

What damages aren’t included?

Insurance companies look at what caused the damages, such as a fire, storm, or a lightning strike. If the damages are as a result of something that isn’t covered, you need to know about it. Many policies will not include floods or earthquakes. Damages that occur as a result of normal wear and tear would also not be covered by a standard home insurance policy.

What is the cost?

The cost of home insurance is going to vary considerably depending on the company, the amount of coverage that you have, and the value of your home. You don’t want to spend any more than necessary. An independent insurance agent should be willing to get quotes from multiple insurance companies so that you have a cost comparison. From there, you can be sure that you are getting the best possible premium on your policy.

Essentially, the questions you ask should ensure that you know what kind of protection you have for your home.

DePaulo Agency offers independent insurance agents who can help you build the right home insurance policy for your home. Our goal is to make sure you find an affordable policy that provides plenty of protection for you in Scotia, NY.

 

 

 

3 Ways to Protect Your Business Against Disasters

You may not know when disasters will strike but you can be prepared by planning ahead for the unexpected. Here are a few ways you can protect your company against unforeseen events that can disrupt your business.

Identify Your Risks  

Assess your business, its location, resources, etc., and determine the greatest threats to its growth and expansion. Is your building and inventory in jeopardy of floods or fire? Do your employees know what to do if a disaster strikes? What consequences would you face if you were forced to shut down due to storm damage? Once you identify your risks, make a plan for addressing them so you can be prepared for any eventuality.   

Protect Business Functions

Make a list of your major operations and determine how you would keep these running after a disaster. Make a plan for protecting your computers and important business data to include employee, vendor and customer contact information. Back up essential data periodically and keep files in a safe, secure location.

Form a plan for communicating with employees, suppliers, and customers after a disaster to keep them informed of what’s happening with your business. You could post updates on your website or use other forms of social media to let the public know when you will be operational again. If possible, contact key customers personally so you don’t lose them during recovery.

Protect Your Business with Commercial Insurance

Make sure your Scotia, NY business is protected with commercial insurance. A comprehensive commercial insurance policy from DePaulo Agency that includes property damage, liability and business interruption coverage will protect your business from financial ruin in the event of a disaster.

To learn more about commercial insurance coverage and costs, contact an agent from DePaulo Agency in Scotia NY.

Safety Tips To Protect Your Car From Theft

At DePaulo Agency, the agents constantly helping clients find ways to protect their cars from theft. While Scotia, NY  is a quiet community, there are still instances of theft that must be dealt with on occasion. Agents are able to identify possible areas of risk and help their clients take the necessary precautions that will help them to prevent any type of financial loss.

Never Leave Valuables Laying Out

Never leave valuables such as cell phones, wallets, purses, or jewelry laying out in the open where everyone can see them. If you carry valuables with you, make sure to stick them in the trunk. so that they are out of sight and inaccessible if a person tries a smash and grab maneuver.

Always Lock Your Car

Always keep your car locked and your windows up. You may be able to keep your windows rolled down a short distance but avoid opening them more than a half an inch or so. This prevents an intruder from sticking something through the window and engaging the door lock.

Set Your Alarm

Most new cars that come off of the lot today have alarm systems already built in. In addition to locking the doors, make sure to set the car alarm. If any attempt is made to enter the vehicle, an alarm will sound that will act as a deterrent and causing most would-be thieves to scatter.

Residents of Scotia, NY can turn to the agents of DePaulo Agency if they have questions about lowering their risk of theft when it comes to their cars. Schedule an appointment today and have your auto policy evaluated to ensure you’re getting the best coverage possible. 

What is RV insurance?

It is often a challenge handling various types of Recreational Vehicles (RVs). Whether you own one or more RVs such as Motorhomes, popup campers, or firth wheels, you may or may not be required to purchase RV insurance. DePaulo Agency helps its Scotia, NY neighbors protect their RVs with RV insurance.

Any vehicle that you use on the road, including motorhomes, should be insured properly. It some situations, a lender may require you to have more coverage above the New York minimum liability coverage. For example, a lender may require you to have full coverage for your camper in states where it is not mandatory to have insurance for a towed camper.

Specialized Coverage

An insurance company can offer you specialized coverage on top of the standard set of coverage options for your RVs. Specialized coverage can help you immeasurably at the time of loss. In fact, if you don’t include coverage for custom equipment and personal belongings in your RV insurance policy, replacing a loss can be costly. You should consider purchasing specialized coverage on campers and motorhomes for:

  • Total loss replacement: Is often available to RVs that were previously untitled up to one model year old. The claim for agreed value or cash value can be difficult, and thus, you need to know how your policy reads clearly to avoid surprises.
  • Custom equipment: This is an important coverage for RVs with custom parts. You need to consider increasing the automatic limit if you have made upgrades on the interior or exterior of your recreational vehicle. It is also vital to keep track of how much you spend on your custom equipment.
  • Vacation liability: When your RV is used as a temporary vacation residence, the coverage will come in handy in paying for bodily injury and damage to property in the event of an accident. The option is available for pleasure users only and it pays to specified limits.
  • Roadside assistance: Covers for towing costs when the RV is disabled. It covers for disabled RVs when the RV has been disabled through a mechanical breakdown, flat fire, lock-out, battery failure and insufficient supply of fuel oil or other fluids.
  • Personal effects: Your personal effects may not be included in the RV policy. So, you should protect your personal effects by purchasing the personal effects coverage from DePaulo Agency in Scotia, NY. If you often travel across state lines, you should check your homeowner’s policy to verify coverage limits.

If you use your RV to escape the city and suburban life during your vacation, you need to protect your asset properly by purchasing RV insurance. Avoid paying for all the bells and whistles by contacting us at DePaulo Agency in Scotia, NY for more information on specialized coverage.

 

Why You Should Insure Your RV This Summer

Summer has arrived here in Scotia, NY, and that means that you’re probably already planning a summer vacation with your family. Your RV is ready to travel, and you have everything you need to make your trip worthwhile. However, have you considered the risks of not insuring your RV?

The risk of an accident can strike at any time. Whether you’re on the road, at the campsite, or in a parking lot, your RV can get damaged. You want to make sure that you have the right coverage for your RV if something catastrophic happens to it. We here at the DePaulo Agency are here to explain why you should ensure your RV this summer, and how it can save you thousands in the long run.

It’s Not a Matter Of If, But When

No matter what kind of vehicle you own, it’s only a matter of time before an accident occurs. This doesn’t necessarily mean that you will be the catalyst for an accident. You can almost always assume other drivers may end up causing you an accident. You might be the safest driver on the road, but there is nothing stopping someone from running into you. There are simply too many variables that you can’t control on the road.

The weather is also a huge factor when it comes to property damage. Your RV is a larger vehicle, which makes it more susceptible to damage in the event of a harsh storm. Getting the right insurance is key to ensuring that your RV gets the repairs it needs in the event of an accident.

Get the Insurance You Need

The DePaulo agency is here to help you insure your RV. We offer a variety of premium plans that will cover your RV in the event it becomes damaged. We provide quality insurance service in Scotia, NY, and are here to help you with all your vehicle insurance needs. Give us a call today to schedule your consultation so you can focus on your vacation time, and not worry about what could happen to your RV.

Things an Umbrella Policy Can Cover

An umbrella insurance policy is one that is very cool but it is not very well known or popular. The fact is that people simply do not know what an umbrella insurance policy can cover and if it would be a great option for them and their specific needs. You do not want to get an insurance policy that you do not understand or one that you do not need. That is why it is very important to understand what it can cover. Use this guide from DePaulo Agency, serving Scotia, NY, to determine if you need an umbrella insurance policy.

  • It covers the gap. One of the biggest things that it can cover is the gap between what your home and auto insurance policies can cover and what you actually need to be covered. If you have a home or a car that is valued beyond what your other policies will cover, then an umbrella insurance policy is the perfect solution to make sure that your home and car are completely covered.
  • It provides liability insurance for you. If you are someone who likes to have parties at your home on a regular basis, you may have a need for additional liability coverage in case someone decides to sue you for something that happened at a party. Umbrella insurance can offer that for you so you are always covered.

Now that you know what an umbrella insurance policy can cover, it is time to determine if you actually need to have one in place. If you are still not sure, we can help you best determine if it is needed. Be sure to reach out to us here at DePaulo Agency, serving Scotia, NY, today to get started. We can even pull a free quote for you.

Are You Required to Have Renters Insurance?

If you rent your home in Scotia, NY, you may be wondering if you need to have renters insurance in order to protect yourself. This is a common question because a lot of people assume that if the owner of the property has home insurance there is no need for renters insurance. However, that could not be further from the truth. Here at DePaulo Agency, we always recommend having renters insurance and these are just a few reasons why. 

  • Renters insurance protects your stuff. Even if the owner of the property has home insurance, that only protects their property. However, it does not protect anything of yours or give you any liability protection. You simply cannot rely on their insurance. 
  • You may be required to have it in your lease. Although there is no state requirement tied to renters insurance, your landlord has every right to require you to have renters insurance. It must be outlined in your lease, however, so a verbal request is not enough. 
  • It will give you peace of mind. Having insurance to protect all of your belongings and provide you with some liability protection will give you the peace of mind that you need.
  • It is cheap. Renters insurance is one of the least costly types of insurance on the market. Since it will not cost you a lot, it is worth considering. 

As you can see, there are several reasons to consider getting renters insurance, even if you are not required to in your lease. If you are interested in getting renters insurance, make sure you call us here at DePaulo Agency, serving Scotia, NY, today. We will provide you a free quote and will make sure that you get a policy that meets your needs and your budget.

Neighbor Overwatering the Lawn

As the real estate saying goes, you can choose your home location, but you can’t choose your neighbors. And one of the things that can get frustrating very quickly is when a neighbor doesn’t understand the need to control his or her watering next door and the drainage starts to move into your lawn. Overwatering can be a fast path to a dead lawn and a mud pit for landscaping, but many times the water source is deep in a neighbor’s property and cannot be controlled by the affected. According to the DePaulo Agency, there’s a couple of ways to handle this situation in Scotia, NY.

The easiest and simplest way is to basically ask the neighbor to cut down on the water, showing him or her what’s going on with the draining. If they don’t cooperate, the second approach is to put in the drainage that takes the water away from your lawn and out to the street. No matter how much they water, it never piles up in your lawn as a result. However, if you’re not inclined to spend any money on the matter, you could report the matter to a homeowner’s association as a complaint, if one applies in your neighborhood. Absent an HOA, the city might be an option with regards to a code violation that the city handles and follows up on, but these are rare.

Finally, a legal approach in the Scotia, NY courtroom may be the ultimate solution, filing a nuisance claim against your neighbor when just about every other avenue has been tried and the damage continues. In these situations, the case needs to be a strong situation where the average person would agree the neighbor is out of control and inconsiderate to just about anyone in the same situation. Fortunately, these neighbor problems rarely get to this level. The staff and the DePaulo Agency can easily help guide a homeowner client before things ever get to this level and would be happy to point out alternatives for a better solution where possible.

Commercial Liability Insurance: Do I Need It?

When considering what kinds of commercial insurance you need for your Scotia, NY business, you might be thinking that liability is not something for which you need to spend extra money.  Your friendly agents at DePaulo Agency urge you to think twice as most businesses can find themselves facing serious losses for a number of unforeseen events.

Manufacturing or Retail

Your liability insurance will include protection against defects in the products that you produce or sell.  While everything on your shelves is made to be used safety, there will come a time when something unfortunate happens on the production line or in storage. Liability can ensure your customers’ problems are addressed and your reputation is maintained.

Gyms, Physical Therapy, and Athletic Clubs

You will do your best to maintain all the equipment, from the weights to the cycles to the exercise mats. However, part of working out is pushing bodies to the limit and somebody is going to get injured. With the right commercial liability coverage, the headaches of handling all the twisted ankles can be delegated to your qualified insurance provider. 

Consulting Services

Okay, so your customers will never see you face to face as you spend all your time on the phone with them.  However, if you provide any kind of advice that can directly affect their financial well-being, only liability insurance can help you whether sudden changes in the market that had unforeseen consequences.  Lawyers, doctors, engineers, and even accountants will fall under this broad category.

As you can see, liability coverage is there to help mitigate the damage that our lawsuit-happy society can cause to your business.  Make sure that your Scotia, NY company is properly protected by setting up a consultation with your insurance professional from Depaulo Agency today.

Should I Insure My Garaged Motorcycle?

When it comes to owning a motorcycle, one of the best things to do is take her out on the open road and enjoy the warm fresh air. For many people who own a motorcycle, though, finding time to take the bike out is quite difficult. In fact, some people end up leaving their bike garaged most of the year. And while it might seem like a garaged motorcycle doesn’t need insurance coverage, the truth is, it does. 

Your motorcycle needs to have insurance on it even if it is kept in the garage because you never know what could happen. Take for example someone breaks into your garage and steals your bike. With the right insurance coverage, you will be compensated for your stolen bike. Without insurance, though, you may not receive any type of compensation. 

Another reason to keep insurance on your bike is because if you have a lien against it, there is a good chance that the lien holder will require you to have insurance. The lien holder wants to know that if something were to happen to the bike, that you are still going to pay for it. With insurance, they can rest assured they will be paid what is owed to them if something happens to the motorcycle. 

Lastly, depending on where you live, it may be required by state law to keep insurance on your motorcycle. You will want to speak with an insurance specialist to determine if this law applies to you. 

Contact DePaulo Agency today serving the Scotia, NY area to learn more about the benefits of investing in a motorcycle insurance policy.