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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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Insurance

Should College Students Living On Campus Get Renters Insurance?

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College students often overlook insurance as most assume they won’t be targeted by burglars. Even if you aren’t a wealthy college student, your belongings might be damaged by water, fire, smoke or another unforeseen event.

This is precisely why it makes sense to get renters insurance whether you are living in an on-campus dorm or off-campus in a Scotia, NY apartment.

Protecting Your Valuables

Granted, most college students don’t own tens of thousands of dollars worth of stuff. However, clothing, textbooks, computers and video game consoles cost a pretty penny. You might be surprised when you actually total everything up.

It is logical to protect those valuables with renters insurance. The DePaulo Agency provides the protection college students need.

Pay the small premium necessary for renters insurance and you’ll depart your dorm with full confidence. Renters insurance provides a financial safety net in the event that your property is damaged, lost or stolen.

Be on the Safe Side

Your roommate or a college administrator could let strangers into your dorm while you are at class. There’s also a chance you’ll mistakenly leave your door unlocked.

Though unlikely, it is also possible for a natural disaster to occur, be it a fire, flood or earthquake. If any of these events occur, you’ll be in a better financial position with renters insurance in Scotia, NY.

Get the Right Coverage

Take a deep dive into renters insurance and you’ll find it is surprisingly affordable. This means you’ll likely be able to easily afford coverage for your belongings even as a college student.

Ask questions and review coverage for all the details before making a decision. As an example, you might find some items such as expensive jewelry, laptop computers or musical instruments require extra coverage.

Get Your Quote From the DePaulo Agency

Our renters insurance team is a phone call away. Give us a call today.

Will Commercial Insurance Help After a Fire?

Posted on by agentinsure

A fire can happen at any business, creating incredible loss and devastation. The best way to protect your business from loss is to have the proper commercial insurance.

At DePaulo Agency, we offer comprehensive commercial insurance to residents of Scotia, NY, that provides fire protection for their businesses. 

When Does Commercial Insurance Pay for Fire Damage?

Business insurance provides a significant level of protection for repairing or replacing damaged structures, equipment, and other assets after a covered peril. Some ways it may help include:

  • Physical assets: This may include coverage for damage to the building itself as well as equipment, inventory, computer systems, and other assets damaged by fire or smoke.

  • Lost income: Business interruption insurance can help cover the loss of revenue for your business after a covered fire if you cannot remain operational during repairs. 

  • Liability: Commercial liability insurance may help cover the cost of liability lawsuits filed against your business that come from a fire at your location.

Update Your Coverage To Match Your Current Needs

Commercial insurance provides protection up to the level of coverage you have. More so, it only covers certain types of risk. Make sure you’re protected by setting up a consultation with one of our insurance agents. We’ll review your currently policy and explain any coverage gaps. We’re currently serving Scotia, NY.

How Umbrella Insurance Can Protect You from Accidental Defamation or Libel Claims

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Sharing your thoughts has never been easier—whether it’s through a social media post, a blog comment, or an online review. However, many people don’t realize that even an innocent opinion can sometimes lead to serious legal trouble. At DePaulo Agency in Scotia, NY, we often help clients understand how umbrella insurance can provide protection in situations like accidental defamation or libel claims.

What Is Defamation?

Defamation occurs when someone makes a false statement that harms another person’s reputation. If the statement is spoken, it’s called slander. If it’s written or posted online, it’s considered libel. While you may think you’d never say or post anything harmful, misunderstandings can happen—and lawsuits can follow.

How Umbrella Insurance Can Help

Most home and auto insurance policies include some liability coverage, but they often fall short when it comes to covering legal fees or settlements from a defamation lawsuit. Umbrella insurance acts as a financial safety net, providing additional liability coverage beyond your standard policies. If you’re ever accused of defamation or libel, umbrella insurance can help cover legal defense costs and potential damages, ensuring that one mistake doesn’t derail your financial stability.

Peace of Mind in a Connected World

In today’s highly connected world, words carry significant weight. Whether you’re leaving a review or posting on social media, it’s wise to have the proper protection in place—just in case. Umbrella insurance isn’t just for the wealthy; it’s for anyone who wants extra peace of mind in an unpredictable world.

Want to learn more about protecting yourself from unexpected liability? Contact DePaulo Agency in Scotia, NY, today. We’re here to help you stay covered, no matter what life—or the internet—throws your way.

Insurance Coverage to Protect You During Long Distance Motorcycle Trips

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Are you preparing to take your motorcycle on a long-distance road trip? If so, it’s essential to ensure you have adequate motorcycle insurance coverage. This coverage protects you, your motorcycle, and your personal belongings from theft, vandalism, natural disasters, and liability incidents.

Protecting Against Criminal Activity

One of the first things to consider is the risk of criminal activity. Theft or vandalism could result in significant damage to your motorcycle and the items you’re transporting.

With the right motorcycle insurance policy, you can include coverage that helps cover out-of-pocket costs if you fall victim to a crime. This type of coverage may pay for mechanical repairs, cosmetic repairs, and the replacement of damaged or stolen items.

Coverage for Natural Disasters

Traveling to unfamiliar regions comes with risks, including exposure to natural disasters. If you’re involved in an accident caused by a natural disaster, motorcycle insurance with a natural disaster add-on can help reimburse you for related expenses.

This coverage may include basic repairs, temporary transportation, and other essentials directly tied to the accident involving you and your motorcycle.

Liability Coverage for Accidents

Long-distance travel can increase the likelihood of mistakes, such as careless driving or taking a wrong turn. If you’re involved in an accident that is your fault, liability coverage can provide financial assistance. This type of coverage may cover medical bills, mechanical repairs, legal fees, and other expenses.

Get Expert Insurance Advice

Before embarking on your long-distance motorcycle journey, consult with one of our qualified agents at DePaulo Agency. Upgrading your motorcycle insurance policy is a smart move to ensure you’re fully protected. An agent serving Scotia, NY, can help you select coverage tailored to your needs.

What Type Of Boat Insurance Do Marinas Require?

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While boat insurance requirements vary by state, many marinas mandate boat insurance before allowing owners to dock their vessels. Understanding these requirements is crucial before purchasing a boat.

Liability Insurance Requirements

Most marinas require basic liability insurance, which provides coverage in the event of damage to another boat. This ensures that damages to other boat owners are covered if you accidentally cause property damage. The amount of liability coverage required can vary by marina. It’s always best to contact your local marina in Scotia, NY, to inquire about their specific requirements rather than assuming basic liability coverage will suffice.

Why Additional Coverage Matters

While marinas typically don’t require additional coverage, many boat owners choose to purchase insurance that protects their own vessels. Liability coverage only covers damage to the other party’s boat, leaving you responsible for out-of-pocket expenses to repair your own. Additional coverage from a provider like DePaulo Agency can help cover repair costs for your property.

Exploring Other Coverage Options

Many insurance companies offer add-on coverage to enhance your boat insurance policy. For example, you can opt for fuel delivery services in case you run out of fuel while on the water. Wreckage cleanup coverage ensures debris is removed from the water following an accident. Water-towing services are also available to assist if your boat becomes stranded.

While marinas may only require liability coverage, comprehensive coverage provides peace of mind by protecting you in the event of an accident. Some boat owners choose to maintain liability coverage during the off-season and upgrade to comprehensive coverage before using their boats.

At DePaulo Agency, our professionals can help you find an insurance policy that meets your needs and complies with local marina requirements. Contact us today to discuss your options. We proudly serve the Scotia, NY, area.

Your Insurance and Buying a Used RV

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Congratulations on purchasing a used recreational vehicle! This purchase comes with unique insurance considerations. Used RVs differ from new models because their value may fluctuate widely based on factors such as condition, cost, customization, and usage history. Intended usage will also have to be taken into account. All of this will affect the type of insurance coverage you will need. As every used RV differs, the policy must be customized to suit the RV best.

Considerations When Insuring Your Used Recreational Vehicle

Remember that pre-owned RVs present challenges in valuation primarily due to the inclusion of components vital to both residential and automotive needs. When you make a claim, the current market value of your RV is the basis for Actual Cash Value (ACV) coverage. You will need comprehensive and collision protection to cover the physical damage your RV may sustain. Any RV policy is going to have liability protection at its core. You may want to ensure that medical payments coverage and personal injury protection are added, as they cover medical expenses for all passengers in the insured vehicle, regardless of who was at fault in the accident. How long you plan to use your RV will affect your insurance rates. Full-timer’s liability coverage will act much like homeowner’s insurance. If you only use the RV during certain seasons and store it away for the rest of the year, you may qualify for a reduced rate.

Contact DePaulo Agency in Scotia, NY

If you are in the Scotia, NY, area and are considering RV insurance, please contact DePaulo Agency. We’re here to help.

What Business Owners Need to Know About Property Damage Coverage

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Running a business involves numerous responsibilities, with safeguarding your physical assets being a top priority. Property damage can result in significant financial losses if you manage a small storefront, a large office, or a warehouse brimming with inventory. At DePaulo Agency, we serve the community in and around Scotia, NY, helping business owners understand the workings of property damage coverage and its importance for long-term success.

Deciphering Your Coverage

Commercial property insurance is designed to shield your business from financial losses due to damage caused by fire, storms, vandalism, or other unforeseen events. It generally covers the physical structure of your building and the equipment, inventory, and furnishings inside. However, policies can vary. Some may exclude certain natural disasters, like floods or earthquakes, necessitating additional coverage. Understanding what’s included in your policy is vital to avoid unexpected issues when filing a claim.

The Significance of Business Continuity

Property damage can disrupt more than just your physical space—it can also interrupt your operations. If your business needs to close temporarily for repairs, you risk losing revenue and customers. Business interruption coverage can help mitigate these losses, covering lost income and operating expenses while you recover. Without it, even a brief closure could have lasting financial implications.

Selecting the Appropriate Coverage for Your Business

Every business is unique, and a one-size-fits-all approach to insurance won’t suffice. Collaborating with an experienced insurance provider ensures you have the right protection in place. At DePaulo Agency, serving the Scotia, NY region, we’re dedicated to helping business owners find the best coverage for their needs. Reach out to us today to ensure your business is fully protected.

Umbrella Insurance for Events and Gatherings

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Hosting events such as birthday parties, weddings, or family reunions is a delightful way to unite people. However, while planning a memorable gathering can be exciting, preparing for the unexpected is crucial. Accidents can occur, even at the most meticulously planned events. This is where umbrella insurance comes into play. At DePaulo Agency in Scotia, NY, we assist individuals in safeguarding themselves with additional liability coverage, which can be invaluable when hosting events and gatherings.

The Added Risks of Hosting Events

Hosting a large group of people always risks something going wrong. A guest might slip and fall, the property could be damaged, or you could be held liable for an alcohol-related incident. Incident homeowners or rental insurance may cover some liability, but these policies often have limits. If an incident results in medical bills or legal claims that exceed your coverage, you could be responsible for the excess costs. Umbrella insurance offers an extra layer of protection to cover these unexpected expenses.

Peace of Mind for Every Occasion

Umbrella insurance is particularly beneficial for events as it extends beyond basic coverage. It can cover legal fees, medical expenses, and damages that exceed your standard liability limits. Whether you’re hosting a backyard barbecue or renting a venue for a celebration, having extra protection allows you to focus on enjoying the moment without worrying about potential mishaps.

Don’t let the fear of liability overshadow your celebrations. Contact DePaulo Agency in Scotia, NY, today to learn how umbrella insurance can provide the added protection you need for your events and gatherings. Let us help you protect what matters most while you create lasting memories.

Cruiser vs Sport: Which Motorcycle is Right For You?

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You may be overwhelmed with options if you’re in the market for a new motorcycle. Among the different brands and styles, two stand out: the cruiser and the sports models. Here are some differences between the two to help you decide which is right for you.

Speed and Racing

If speed is your priority, sports models are the right choice. These motorcycles are lighter and more aerodynamic, allowing them to reach high speeds quickly, with some models going as fast as 200 mph.

If you’re interested in racing motorcycles regularly, you’ll likely consider a sports model. A cruiser will not perform as well on the track. While cruisers can reach high speeds, they take longer to get there and aren’t built to go as fast as sports models.

Unique Looks

Consider a cruiser if you want a motorcycle that draws attention, especially when traveling around town. Their larger size offers more design possibilities, and they are easy to customize. Cruisers also have a basic model designed for customization with additional parts and features, which isn’t as common with sports models.

Keep It Simple

If you prefer a more understated look, a sports bike can help you keep it simple and avoid drawing attention when traveling.

Regardless of the motorcycle you choose, it’s a good idea to insure it with motorcycle insurance. If you’re in the Scotia, NY area or surrounding communities, contact us at DePaulo Agency today for more information and to get your personal quote.

Do You Need Boat Insurance in the Winter?

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Your boat will likely be in storage during winter in Scotia, NY. Whether it’s in your garage, a boat storage facility, covered and parked in your yard, or kept at a friend’s house, it’s not being used. You might consider canceling the insurance. However, we advise against canceling your boat insurance during winter at DePaulo Agency. Here’s why.

Why You Should Keep Your Boat Insurance Active in Winter

A comprehensive insurance policy protects your boat from more than just accidents on the water. Many policies also cover theft and other issues that can lead to loss. Therefore, ensuring your boat has coverage throughout the year is crucial. Some insurers offer options to reduce or modify coverage when a boat is in storage, which you might want to consider. Our agents can assist you in finding the policy that best suits your needs, providing you with peace of mind.

With a robust policy, you won’t have to spend the winter worrying about potential damage to your boat. You can simply store it in a facility, on your property, or arrange with a friend or family member to keep your boat until the weather improves. Collaborating with an insurance agent simplifies the process, as we can provide information from various insurers and help you select a policy that meets your requirements.

Contact us at DePaulo Agency today if you’re in Scotia, NY, and seeking boat insurance. We understand the value and joy a boat can bring and aim to help you protect it all year round.