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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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Home Insurance: Which Areas to Focus On For Any Home Insurance Policy

If you plan on getting home insurance within Scotia, NY, chances are you are aware that your policy will cover the structure of your home. But apart from this, what other areas are covered by your policy? DePaulo Agency comes in handy here, with the following guide breaking down areas that your home insurance policy will focus on.

Your Personal Belongings

When disasters strike, personal belongings comprise a significant part of home assets that need repairs and replacement. Home insurance coverage ensures that items such as clothing, furniture, and electronics are taken care of, allowing you to have peace of mind. Take note that these items are protected when covered perils arise, with examples of these being fire, hail, vandalism, and theft.

The Structure of Your Home

The structure of your home is the essence of your policy, allowing you to get compensation when unfortunate events occur. In addition to providing repair and replacement costs for your primary structure, a home insurance policy also protects detached structures such as your garage. Others such as tool sheds and gazebos are also covered, ensuring you eliminate out-of-pocket expenses for their rebuild.

Additional Living Expenses

If you can no longer live in your home due to damage from covered emergencies, home insurance helps you take care of additional living expenses. Examples of these include your accommodation fees and meal costs. Your travel costs are also paid for until your home repairs are complete.

Liabilities Incurred

When your guests get injured, or their property gets destroyed, you are likely to get sued for compensation. Home insurance helps you cover the ensuing expenses, paying for your damages when needed, while also taking care of legal fees.

Whether you need cover for your home or need protection against lawsuits, home insurance is the solution to keeping you safe from any unforeseen emergencies. Call DePaulo Agency today to get home coverage for your Scotia, NY property.

Insurance Options for New York Homeowners

Your home will more than likely be the largest financial investment you make in your lifetime and you will want to ensure that is protected properly. One way to achieve that goal is to obtain homeowner’s insurance.

In the state of New York, you are not required to obtain a homeowner’s insurance policy but if you have a loan for your home through a bank, mortgage company, or other financial institution, you will more than likely be required to have home owner’s insurance coverage. The type of coverage options will be up to you but you will want to enlist the assistance of an experienced homeowner’s insurance agent to help you decide on which options you want to choose.

A typical insurance policy for your home will cover, first of all, the structure of your house. This will protect your home if it is damaged or destroyed by a fire, vandalism, or natural disasters, such as a tornado, hurricane, or hail storm. Replacement costs will be included in this policy in the horrible instance that your home is completely destroyed.

Personal Possessions

Many times your policy will also include coverage for your personal possessions up to a certain limit. This will include your clothing, household items, appliances, and furniture.

Living Expenses

You can include an option in your policy that will pay for you and your family to relocate, at least temporarily, in the event your home is destroyed or deemed unlivable for a period of time until it is repaired or rebuilt.


A liability option on your policy will cover visitors to your home who are injured because of a fall or other accident while on your property. This is important to protect you and your home from a lawsuit in the rare case that an accident occurs at your home.

To obtain a homeowner’s insurance policy from a trusted and experienced agent in Scotia, NY, visit the DePaulo Agency today!

How Do Solar Panels Impact my Home Insurance?

Millions of people have installed solar panels on their homes. Solar panels can help you save energy and lower your electricity bills since the panels generate electricity. They may even increase your home’s value. However, it’s important to find out how.

Many Home Insurance Policies Cover Solar Panels

Once solar panels are installed, they are considered part of your Scotia, NY dwelling by many insurers. However, each policy varies, so check with your insurance DePaulo Agency representative to make sure your insurance will cover them. If your home insurance covers solar panels, keep the following points in mind.

Your insurance may include an add-on for certain types of panel, particularly ground-mounted or carport-mounted panels. Solar panels are valuable, so you may want to adjust your coverage accordingly. Find out if your insurance covers damage during installation as well. Whether you buy or lease the panels can influence policy eligibility.

It’s a good idea to gather as much information as you can before you install solar panels. If possible, discuss the installation process, possible damages and other factors with each company you’re considering. Then, have a detailed conversation with your insurance agent before you purchase the panels.

Specific Coverage to Ask About

Defective solar panels and environmental damage to solar panels are two items you should understand. Solar panels generally have a 25-year lifespan. However, if one’s defective, it’s nice if your home insurance policy covers that. If all the panels are working, the second thing to monitor is environmental damage to solar panels and find out if it’s covered.

Solar panels can save money and energy, but it important to understand how that impacts your insurance. Contact an expert at DePaulo Agency in Scotia, NY to find out more about all your insurance needs. Feel free to make an appointment for a free quote.


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.




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.

Is Your Home Ready for Summer?

With summer just around the corner, now is a good time to start preparing your Scotia, NY home for summer holidays. Here are a few ways you can make your home the welcoming and pleasing environment family and friends will love. 

Renovate Interior Decor

Say hello to summer with simple renovations to your interior decor. Pack up heavy rugs, drapes, and blankets and replace with lighter and brighter accessories that create a more spacious living environment. Colorful pillows, lightweight area rugs, and fresh-cut flowers will help create a warm and cozy atmosphere to make your guests feel at home.

Cool It Down   

Have your AC maintained in advance to enjoy a cool interior environment all summer long. Combine your AC with ceiling fans to stay cool and comfortable at reduced energy costs.

Let Light In  

Summer is a good time to open your home to the great outdoors by letting in more natural light. You can start by washing your windows inside and out. Clean windows are sure to contribute to a brighter home environment. Next, replace heavy drapes with sheer curtains that don’t obstruct sunlight. Clean windows and sheer curtains also allow you to enjoy beautiful vistas of natural landscaping outdoors.

Ready Your Patio

Ready your patio to make it an entertainment hotspot this summer. Depending on your setup, you may want to upgrade patio furniture, change your lighting, paint your deck or invest in trendy accessories that will make your patio the talk of the town. A classy and comfortable patio will make summer parties and BBQ’s that much more enjoyable for everyone.    

Update Insurance Coverage

Don’t forget to update your home insurance coverage with DePaulo Agency, Scotia, NY, in preparation for the summer holidays. To learn more about coverage options and costs, contact your local agent at DePaulo Agency, Scotia, NY. 

The Homeowners Insurance Guide for Your Scotia, NY Residence

If you own a home in Scotia, NY, you have some amount of homeowners insurance in place. When is the last time you reviewed your coverage to determine if your policy meets the risks or potential for financial loss associated with your home? If has been awhile since you have performed an evaluation of the insurance protection for your Scotia NY home, an independent agent for the DePaulo Agency can help you get up-to-date.

Understanding what your homeowner’s insurance covers and what amount is appropriate are an important aspect of owning a home. Disaster can strike at anytime. Without an adequate amount of insurance in place to cover you from financial loss to your home can leave you having to come out of pocket to make necessary repairs or pay bills associated with any resulting injury or illness.

What is Homeowners Insurance?

Homeowners insurance is designed to provide you with the means to be made whole if you face a financial loss. A financial loss is a reduction in value that occurs when some insurable event happens to your homes, such as a fire, theft, vandalism, or any other occurrence that is not intentional but accidental in nature.

Determining How Much Homeowners Insurance is Appropriate

The State of New York’s Department of Financial Services suggests that the best way to determine how much insurance you need is to have a valuation of your home. It is important to know how much your home is worth since it is this amount that represents the amount of risk you are subject to when a loss occurs.

The replacement value for your homeowner’s insurance is determined by its value, less the deductible paid. The deductible represents the amount of risk you are willing to take on about the insurable amount you are covered for. To determine if you have enough insurance, as well as the correct type, work with an independent insurance agent of the DePaulo Agency.

Creating an Emergency Kit for Your Home

You never know when something will go terribly wrong and it always better to be prepared than caught off guard. There are many ways you prepare your home for something unexpected. One of those ways is by having an emergency kit for your home in Scotia, NY. When you are developing your home emergency kit, make sure you include these necessities:

  • Food. Make sure you have at least three days of non-perishable food for each person in the home. You may also want to consider getting food that you do not have to cook in case the power goes out.
  • Water. You want to ensure you have enough water for each person for three days. As a rule of thumb, you should have at least a gallon of water per person per day. 
  • First aid kit. You can get a good first aid kit from the store. Make sure this is always fully packed in case you need it in an emergency.
  • A flashlight, extra batteries, and candles. If the power does go out, you want to make sure you have a way to see around you. Make sure you have a way to light the candles. 
  • Portable phone chargers. If the power goes out, you need a way to use your phone in case you need to call for help. Make sure you always have this backup. 

Having a home emergency kit is imperative to remaining safe and secure in your home. DePaulo Agency wants to ensure you are protected in other ways too. One of these ways is by having a great home insurance policy so you can be prepared for almost anything. Contact DePaulo Agency, serving Scotia, NY, today for a free quote on a home insurance policy and more. 

Is Your Home Underinsured?

Homeowners faced with the economic downturn, rising taxes and stagnant wages look for ways to save money. Many have discovered that by lowering the replacement value on your homeowner’s insurance, the monthly bill goes down. But before you check the win column on that savings, you may want to determine whether or not you just became underinsured. At the DePaulo Agency serving Scotia, NY, we believe it’s important that you are properly insured.

Market Value vs Replacement Cost

Unless your home is fairly new, the difference between what it’s worth and what it would cost to rebuild may be worlds apart. The national average for home-building costs hovers around $125 per square foot. The average home built in 2015 was about 2,600 square feet.

That means average replacement costs for an average new home run $325,000.

Now the average home built during the early 1980s is about 1,700 square feet. But if you incur a total loss due to fire or natural disaster, you will not be rebuilding at 1980s prices. New construction would run you about $212,000. That number also doesn’t account for razing and clearing your lot. While this highlights the danger of being underinsured on average, older homes may cost more to rebuild.

The Older Home Conundrum

As homes age, there can be a cost-beneficial market depreciation for buyers and ultimately homeowners. That real brick fireplace, ornate woodworking, and thick hardwood floors bring an old-world luster that’s difficult to find in new homes. Ironically, that allure often comes at a lower cost than new construction.

But if you suffer a loss, rebuilding will most certainly be based on today’s construction costs. Those hardwood floors, brick fireplace, and ornate woodwork, are often considered high-end items. Recapturing the beauty of your older home will come at a premium. Before saving a few bucks by insuring your home at today’s average replacement costs, get an estimate that details what it would take to restore your home to the way you want it. The two numbers are likely to be significantly different.

The drive to save money on your homeowner’s insurance can end up costing you dearly if you suffer loss. At the DePaulo Agency serving Scotia, NY, we urge people to have policies that realistically cover replacement costs. After all, security is the very basis of any homeowner’s insurance.

January is Predicted to be Cold in Soctia Ny, Here are Four Winter Home Tips

Extreme cold is no stranger to New York. However, there are certain things new homeowners should do when it hits. If you make sure to prepare your home for extreme cold fronts, and if you know in advance what to do if something goes wrong, you can save a lot of money in home repairs this winter.

  1. Protect water pipes in advance of freeze warnings. There are insulated pipe covers for sale in a variety of shades so exposed pipes can be protected from freezing and not clash with the home.
  2. Cover low basement windows and vents leading to the underside of home. Insulated foam panels made to look like shutters make great window covers for ground level basement windows that allow freezing air to seep in during the coldest of nights. Any vents that lead to the crawl space should also be covered on the coldest of nights.
  3. If you have outdoor pets consider bringing them in, at least as far as the garage or a barn. Dogs and cats may have fur coats, but they are not made to withstand freezing temperatures.
  4. Leave strategic pipes on a slow drip to avoided having them freeze in place. Many people leave a bathtub and kitchen sink dripping through the night when there is a risk of a pipe freezing.

Keep in mind that sometimes things do go wrong, when they do it is best to have prepared by having a plan. Where are your main valves to turn of the water to the house? Are you prepared to be snowed in when it comes to medicine, water , and food? Plan for any event and take a moment to prepare for the cold to prevent discomfort and costly repairs.

Contact us at the DePaulo Agency for all of your home insurance needs in and around Scotia, NY.