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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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Is Flood Damaged Covered By Your Renters Insurance Policy?

When you are purchasing renters insurance, it is important to understand and learn about what is and is not covered by your renter’s insurance policy. Here at DePaulo Agency, located in Scotia, NY. we want to help educate you so you understand more about the policy you are buying. Here is information about flooding and your renter’s insurance policy. 

Is Flood Damage Covered By Your Renters Insurance Policy? 

Flood damage may be covered by your renter’s insurance policy, or it may be excluded. The key is how your rental space became flooded. If a pipe burst or a water heater cracked, odds are, the water damage will be covered. If heavy rains lead to a river overflowing and flooding the space, odds are, the water damage will not be covered. Always carefully read through your renter’s insurance policy to learn what types of flood damage are covered and excluded. 

How Can You Protect Yourself Against Flood Damage? 

If certain types of flooding are excluded under your renter’s insurance policy, you will need to purchase a separate flood coverage policy. Many people think that this type of policy is just for homeowners, but it is not. Renters can purchase a flood add-on policy or stand-alone renters insurance flood coverage policy to help protect their belongings from flood damage. 

Are you looking to purchase a new renters insurance policy or a policy that covers all types of flood damage? Here at DePaulo Agency, serving the greater Scotia, NY area, we can help you with all of your insurance needs. Call us today to get started or for a free quote. 

Don’t forget about commercial insurance when starting your business

New business owners in the greater Scotia, NY area may feel overwhelmed with all the details a start-up takes: from a marketing plan, inventory sourcing, tax filings, and hiring it’s easy to feel stressed out! While the team at DePaulo Agency doesn’t want to add to your stress level, we do want to remind you of the importance of commercial insurance. Choosing the right policy can make the difference between bouncing back from a catastrophe and going under. Don’t be tempted to push off this decision, it should be right near the top of your to-do list. 

There’s a lot to take care of when starting a new business, and commercial insurance should be at the top of the list

Commercial insurance serves a lot of functions, from protecting your physical assets to providing coverage when there is a liability issue affecting your business. The benefits of a comprehensive commercial insurance policy are nearly limitless, and knowing that you have the protection you need can make it easier to focus on getting your new business up and running. Don’t leave the future and everything that you have worked so hard for unprotected; make sure that you have the right policy in place before you open your doors for business.

There are a lot of features that are available for businesses, and choosing the appropriate policy at the correct level can feel like a daunting task. Fortunately, when you work with a commercial insurance specialist you can receive the guidance you need to make a smart decision.

Finding the right commercial insurance policy for your business doesn’t need to be an overwhelming task. When you enlist the help of your friendly DePaulo Agency team, protecting your Scotia, NY area business is easier than ever!

How much umbrella insurance do you need?

Umbrella insurance isn’t just like buying a policy for your car, it’s a part of your life-planning, long-term money management. You need to be looking at not just your physical assets, your Scotia, NY home, but your retirement plans, your savings and so on. Here’s what you’ll want to check:

How Much Liability Protection Do You Have?

Liability can be the thing that really sinks your savings if your auto policy has inadequate provisions on this front. If you want to make sure that a car accident does not crash your savings, you’ll want to either boost your liability coverage or get it covered under an umbrella plan.

What Do You Own?

At a certain point, it may become more expensive to protect every single thing you own individually when an umbrella plan will just provide you with a safety net when your basic insurance runs out. If you own a large collection or several cars or otherwise have quite a bit to protect, getting it on an umbrella plan isn’t a bad idea.

How Much Can You Afford To Lose?

You may have a healthy savings account, but when it comes to losses and damages, a lot of money starts to look like a little less. As a general rule, you want as much liability coverage you can get, and to protect any property that you can’t comfortably replace out of pocket.

Umbrella protection is as much about protection as it is about peace of mind. If you’ve achieved a level of success in your career, in your life, there’s always that anxiety that one disaster could cost you everything you’ve earned. Get in touch with DePaulo Agency and see what they can do to get you covered.

Why comprehensive coverage is a must for all motorcyclists

Owning a motorcycle and getting out on the open road is a great leisure time activity! If you are in the greater Scotia, NY area and have a bike or are thinking of purchasing one, it is important to know about your motorcycle insurance options. The team at the DePaulo Agency is here to help you navigate the selection process and find the right policy to meet your coverage needs. We recommend that all of our clients carry comprehensive motorcycle insurance in order to protect themselves, their passengers, and their property. Don’t find yourself liability for injury or damage caused by your motorcycle, get the right policy can protect your interests.

Comprehensive motorcycle insurance is a must

In addition to protecting your bike and the cost of its replacement in the event of an accident or another mishap, it is advisable for all motorcyclists to carry comprehensive insurance. If you are involved in an accident and are injured, you will want to have the protection that a comprehensive policy provides. In addition to coverage for your bike, there are policies that provide coverage in the event that you or someone else is injured. You will also want to have coverage in the event that you are involved in an incident with an uninsured driver. Protect yourself and you gain the peace of mind that comes with knowing you have the coverage you need.

If you have a motorcycle or are thinking of getting one in the near future, it is important that you understand your motorcycle policy options. Bikers in the greater Scotia, NY area have come to depend on the team at the DePaulo Agency to meet all of their cycle insurance needs. Call or stop by our office today to learn more!

When is boat insurance a requirement?

Owning a boat in the Scotia, NY area can be a wonderful experience. While you can have a lot of fun when you own a boat, there is also some responsibilities that you need to take into consideration. One of the biggest responsibilities to consider is whether or not you should get boat insurance. While it is not necessarily required by law, there are still several situations in which having boat insurance will be a requirement for you.

Local Requirements

If you live in an area in which the local marinas or waterways require that you carry boat Insurance, you will need to make sure that you have it in place at all times. Each marina or waterway will likely have publicly listed requirements that will govern the type of insurance that you need to have. In most situations, you will need to at least have liability insurance coverage that will provide protection if you are at fault in a crash.

Lease or Loan

If you have a lease or loan out against the boat, you will likely need to have a full insurance policy in place. This will have to provide you with coverage for a variety of potential losses including theft, vandalism, or damage caused by a storm or boating accident. 

If you own a boat in or around Scotia, NY, there is a good chance that you will need to have boat insurance. In these situations, you would benefit greatly from contacting the team at the DePaulo Agency. When you contact DePaulo Agency, you will learn more about the benefits of boat insurance and why you should get it. The agency can also help to ensure you get into a great policy that provides you with the right level of protection. 

When is RV Insurance a Requirement?

When you are looking to take a long vacation, one of the best things that you could consider doing would be to drive across the country in your very own RV. If you are thinking about purchasing an RV, you need to remember that it is a very important asset that also comes with many different responsibilities. One responsibility that you will have will be to get RV Insurance. There are several situations in which having RV Insurance will be a requirement for people in the Scotia, NY area.

When You Drive on an Open Road

One situation in which you will need to have RV insurance in place is when you are going to drive it out on the open road. For those that are in New York, there are base liability RV insurance requirements that will need to be complied with. This type of coverage will ensure that you have coverage in place if you are at fault in an accident.

When You Want to Protect Your Asset

When you buy an RV, you are making an investment in an asset that you will likely want to have for a decade or more. One of the best ways to protect this asset is by getting RV insurance with collision and comprehensive coverage. This type of insurance coverage will provide you with protection against a wide variety of types of losses. 

Since having RV insurance is almost always a requirement and necessity, those that are in the Scotia, NY area should speak with the team at DePaulo Agency when shopping for their next policy. The DePaulo Agency will be able to help you to better understand the requirements that you have to make sure you get into the right policy for your situation. 

Why Should I Get Renters Insurance?

Moving into a new apartment is a very exciting time. While there is a lot of fun and excitement that comes with any move, there are also important responsibilities that need to be taken care of. One important responsibility to consider is your need to have renters insurance. There are several reasons why you should get renters insurance before moving into your next home.

Provides You With Valuable Coverage

When you are looking to get renters insurance, the biggest benefit is that it will provide you with valuable coverage. After moving in, you likely will have thousands of dollars worth of personal belongings including furniture, clothes, kitchenware, and electronics. If there was a fire or other casualty, you could end up losing all of these items. A renters insurance policy will provide you with coverage to replace these items if they are damaged stolen. Additionally, you will receive liability coverage that will provide you with protection if someone is injured while in your apartment. 

Required by Lease

While you should always have renters insurance in place, you also will need to get it because it will likely be required by your lease agreement. Whenever a landlord is leasing an apartment to you, they are taking on some risk. Because of this, they will want to make sure that you have renters insurance in place to protect both you and them. If you do not have renters insurance in place, it could be a violation of your lease agreement. 

When you are shopping for renters insurance in the Scotia, NY area, speaking with the DePaulo Agency would be a great option. The professionals at the DePaulo Agency will be able to answer all of your renters insurance questions and make sure that you get into a policy that provides you with the right type and level of coverage.

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.

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.