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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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Things boat insurance won’t cover

Determining Your Boat Insurance Needs

Boating is a preferred pastime for many New York State residents. With over 7500 freshwater lakes, two Great Lakes, and an expansive 70,000 miles of rivers and streams, boating enthusiasts are undoubtedly spoiled for choice. At DePaulo Agency in Scotia, NY, our independent insurance agents work vigilantly to meet the exclusive needs of our customers instead of catering solely to insurance companies.

Understanding the Need for Boat Insurance

Before charting a course across the deep blue, it is crucial to secure comprehensive boat insurance. This service offers essential base protection and includes numerous add-ons to tailor it exactly to your unique requirements. Being aware of what your boat insurance does and does not cover can make a significant difference to your peace of mind and financial stability.

Factors Your Boat Insurance May Not Cover

Insurance does not typically cover standard maintenance, guaranteeing that all parts of your boat operate as they should. Moreover, the predictable wear and tear that comes with time are not covered; for example, developing a leak or having a motor stop working due to age.

Gradual damage is another common exclusion from boat insurance. This scenario can include any slow deterioration, such as extreme weather conditions causing fading or cracking, mold development due to unnoticed leakage, or termite infestations threatening the structure of wooden boats.

Finally, while not always the case, boat insurance might not cover your boat trailer. It is crucial to read your policy carefully or speak with your agent to confirm your boat trailer’s coverage status for absolute peace of mind.

Taking Control of Your Boat Insurance Needs

When seeking comprehensive and affordable boat insurance in Scotia, NY, contact DePaulo Agency. We are committed to finding the perfect coverage tailored exclusively to your specific boating needs.

Four Things You Might Not Know About RV Insurance

Buying an RV can be a wonderful, yet costly, experience. Having adequate insurance in place is a must, and our team at DePaulo Agency in Scotia, NY, shares some things first-time buyers might not know.

1. Do You Need RV Insurance on a Camper?

Campers are towed, not driven, making insurance optional in New York and most other states. The lender typically requires full coverage to protect their investment if there is a loan on the unit.

2. What Does RV Insurance Cost?

Different types and ages of RVs, along with their price range and various amenities and features, factor into coverage costs. Some other details that play a role include:

  • Driving History
  • RV Driving Experience
  • Usage
  • Credit Score
  • Deductible

3. What Does RV Insurance Cover?

While most camper coverage is basic with collision and comprehension, RVs carry more extensive inclusions that include:

  • Collision
  • Comprehensive
  • Bodily Injury
  • Property Damage Liability
  • Personal Injury Protection (PIP)
  • Uninsured Motorist
  • Limited Property Damage
  • Property Protection

4. There are Key Coverages That Are Optional

Some things that owners might want to be covered are available only with supplemental policy add-ons.

Total Loss Replacement

Only available on previously untitled RVs aged up to just a few years qualify for total loss replacement coverage. Others are insured for actual cash value or an agreed value.

Custom Equipment

If you have tricked out or upgraded your RV’s interior or exterior, custom equipment coverage helps with costs should damage or theft occur. $1000 is automatically included, but costly upgrades mean you should increase those limits.

Personal Effects

Also not usually included in RV policies is personal effects coverage. This covers your belongings in an RV; homeowners insurance may cover them, but the homeowner’s deductible would apply.

Need RV and Camper Insurance Protection?

Paid off or not, you’ll have greater peace of mind with your recreational vehicle covered with insurance. Contact DePaulo Agency in Scotia, NY, to learn more and receive a quote.

How Umbrella Insurance Boosts Your Liability Protection

Business owners and operators located in Scotia, NY, and the surrounding area count on the team at the DePaulo Agency to protect their companies. When your firm requires additional liability protection, it might be time to add an umbrella policy to the existing insurance policies. Give us a call today to find out more about the umbrella policies that are currently available in our area.

Benefits of an Umbrella Policy

The main benefit of an umbrella policy is the additional liability protection that it offers. When the liability portion of your primary commercial policy is exhausted, it’s helpful to have an umbrella policy that provides additional coverage. Many business owners realize that as their businesses grow, so do their commercial insurance needs.

Additionally, several industries have higher liability exposure than others. If your business works with the public, you’ll want to protect it from slips and falls and other frivolous lawsuits that are common in such instances. Having adequate protection in place makes moving on from liability suits and other similar situations easier. 

Now’s an ideal time to learn more about the many benefits of an umbrella policy. Your local agent can provide the information you need to determine if your company would benefit by adding such a policy to its insurance portfolio. 

Schedule an Appointment Today

The DePaulo Agency team is here to provide Scotia, NY, area business owners with the insurance needed to protect their companies. Contact us today to schedule an appointment to learn more about umbrella policies and how they can help protect your commercial entity. We look forward to working with you and helping you protect your local business.

Will I need extra insurance for my motorcycle accessories in Scotia, NY?

Motorcycle insurance is required by law in Scotia, NY. You will need to prove you have a policy before you can register your motorcycle. However, the kind of protection you get from the minimum policy is limited. At DePaulo Agency, we can give you information on what kinds of other protection are available.

Minimum Legal Insurance Requirements For Motorcycles In New York

The minimum policy only provides liability protection. That means that if you are found to have caused an accident, your insurance will pay for medical bills and property damage. 

It is also important to note that you could easily reach the maximum if you only carry the minimum amount of insurance. Once your policy maxes out, you are responsible for paying anything else out of your own pocket.

Other Kinds Of Protection

There are several kinds of other protection you can get.

  • If you spend a lot of money on motorcycle accessories, you may want to consider adding this protection. There may be a small amount of coverage if you have comprehensive and collision coverage. If you do, find out how much coverage you already have. If you have saddle bags, sissy bars, a helmet, riding gear, extra electronics, or other accessories, you may need more coverage.
  • Comprehensive motorcycle insurance may be required if you are still paying on your motorcycle. This coverage protects you if your motorcycle is a victim of theft, vandalism, severe weather, or fire.
  • Collision motorcycle insurance protects your bike if you are in a collision.
  • Roadside assistance can be part of your coverage.

If you are interested in adding protection to your existing coverage or comparing new policies, please call DePaulo Agency today.

Anchored Assurance: Navigating Boat Insurance in Scotia, NY

For Scotia, NY residents, the excitement of purchasing a boat can often be outweighed by the stress of insuring it. At DePaulo Agency, we understand these anxieties and aim to direct our clients in the right direction. Please read on to learn more about the common mistakes made in these instances and how to avoid them!

Lack of Specialization

One of the most common errors that is made in these instances is a refusal to find the right insurance provider. In other words, are you choosing a boat insurance provider that has actually specialized in this field? If so, you are in the right hands. No prospective client should be choosing a boat insurance provider that has not already handled many policies in the past. They should be drawing from a deep well of experience.

Lack of Specific Policies

At DePaulo Agency, we take the time and effort to explain certain facts to our clients. For example, you must be aware that boat insurance policies will not be included in any other policy you may have already purchased. This is true of a homeowner’s policy or an auto insurance policy. You will need to have purchased a specific policy for your boat.

Lack of Research

There is no such thing as a full policy that will cover everything. If you choose the wrong policy, you can leave yourself without proper coverage over the long haul. Do your research and know which policy will work best for your watercraft. Our experienced insurance representatives are more than happy to help if there is any confusion.

DePaulo Agency’s team of experienced professionals is always on hand, ready and waiting to take your call. Take a moment to reach out whenever you want to safeguard your boat investment in the Scotia, NY region.

Luxury RVs and High-Value Assets: Specialized Coverage for Premium Motorhomes

For those seeking the pinnacle of comfort and style on the road, luxury RVs offer an unparalleled experience in and around Scotia, NY. These high-end motorhomes come with a hefty price tag, making them valuable assets that require specialized insurance coverage. 

The Need for Specialized Coverage

Standard auto or RV insurance may not provide sufficient coverage for luxury RVs due to their high value and unique features. Specialized coverage is essential for several reasons:

  • High Value: Luxury RVs often come with a price tag that exceeds that of a typical home, making it challenging to have coverage that reflects their value.
  • Custom Features: Many luxury RVs are customized with unique features and high-end materials, which should be adequately covered.
  • Full-Time Living: Some luxury RV owners use their vehicles for full-time living, requiring comprehensive coverage.

Specialized Policies for Luxury RVs

To protect your high-value asset, consider the following specialized coverage options for the RV and its contents:

  • Agreed Value Coverage: Unlike standard insurance policies that use depreciation to determine the value of your RV in the event of a total loss, agreed value coverage allows you to establish a value for your luxury RV upfront. 
  • Full-Timer’s Coverage: If you use your luxury RV as a full-time residence, full-timer’s coverage can provide comprehensive protection for the vehicle and your personal belongings, similar to homeowners insurance.
  • Coverage for Customizations: Ensure that your policy covers the cost of repairing or replacing custom features, upgrades, and high-end appliances. Another issue may be if emergency funds are needed for full-time occupants of the RV should something happen to it to make it uninhabitable. 

DePaulo Agency Can Help You with RV Insurance

At DePaulo Agency, we can answer all your questions concerning RV insurance. We assist the Scotia, NY area. Contact us today. 

Is Renters Insurance Liability Only Coverage?

You’ll want to secure reliable renter’s insurance if you rent your home or apartment. Any number of events may happen that could create losses. If you’d like to learn more about renters insurance, you can count on DePaulo Agency to provide the residents of Scotia, NY, with the support and services they need. 

Renters Insurance Coverage 

Renter’s insurance coverage typically offers liability coverage and coverage for your personal items. Additionally, renters insurance typically offers temporary housing coverage at an alternative location. Be sure to inquire about the terms and conditions of your renter’s insurance policy before purchasing. 

If you choose to work with our team of professionals, they can give you in-depth details about the policy and ensure you understand the terms and conditions. We’ll also assist with submitting information and documentation to help you get covered quickly. If you have any changes or need to file a claim during the lifetime of your policy, we can also assist with those processes. Our goal is to ensure our customers get exceptional customer service before, during, and after the policy sale. Let us work with you to help you get coverage that gives you complete peace of mind.

Learn More Today 

If you would like to learn more about the renter’s insurance policies we offer or any other insurance products or services available at our location, reach out to the DePaulo Agency. Call or stop by our office to schedule a consultation with one of our agents or get answers to any questions about the products or services we offer to the Scotia, NY, area residents. Get complete coverage that protects you from the unexpected and any risks or losses.

DePaulo Insurance Offers Commercial Coverage For New Businesses

Commercial insurance coverage is one of the more unfamiliar matters a new business owner must face. Your insurance agent can be a vital source of information and protection as you grow your business. At the DePaulo Agency in Scotia, NY, we can help you decide the right commercial coverage to protect your business.

Types of Commercial Insurance That Are Available

Workers’ compensation insurance to pay medical expenses for workers injured on the job is legally required. Similarly, if your business uses vehicles, you will be required to carry commercial auto insurance. General liability insurance covers injuries to those who may visit your business and for customers’ property while at your company. Depending on your operations, you may need product liability insurance, professional insurance to cover "errors and omissions" and coverage for key personnel or to cover losses in revenue when events prevent your doing business. You may also need coverage against damage if you own your business property.

Determining the Right Coverage For Your Unique Business Needs

A careful assessment of your business operations can provide information on what types of insurance would best benefit your business, so you can grow your revenue in the future without worrying about lawsuits or other unusual expenses. This is where an experienced insurance agent can help, with a deep understanding of the risks companies take in their day-to-day activities.

Choose the DePaulo Agency For Your New Business Commercial Coverage

Our experienced agents can answer your questions about the coverage you need to prevent expensive losses. We offer policies for auto, home, business, renters, and special situations. Contact the DePaulo Agency today for a no-obligation quote on commercial insurance that will help protect your business as it grows.

Do I Need Umbrella Insurance For My Rental Property?

As a landlord, your rental property is a significant investment, and you want to protect it. You are already a step ahead if you have landlord insurance, but you could still need more: umbrella insurance. Umbrella insurance offers additional coverage to your average landlord insurance, filling any gap your landlord policy may leave.

What Is Umbrella Insurance?

Umbrella insurance is an additional policy that covers beyond the limits of any other insurance policies you may have. This policy comes in handy when your other policies can’t cover some liabilities you incur in your rental property.

For instance, if your rental property gets damaged and you incur liabilities worth $600,000, yet your landlord insurance covers up to $300,000 liabilities, your umbrella insurance can cover the remaining $300,000. 

Why Landlords Should Have Umbrella Insurance

Tragic accidents can happen anytime, especially when we least expect them. As such, it’s safe to be a step ahead regarding protection to avoid incurring significant losses. Here are three reasons to have DePaulo Agency umbrella insurance.

It Offers Financial Protection

The cost of obtaining umbrella insurance coverage is lower compared to its worth. If something happens to your property, you don’t have to stress much about using your saved money, as umbrella insurance can cover the expenses.

It Covers Multiple Properties

Umbrella insurance is your bet if you have multiple rental properties in Scotia, NY. You only need to mention the location of all your rental properties to get the right quote and cover them all.

It’s An Extension of Existing Policies

Umbrella insurance is an extension for landlord insurance, home, auto, and other policies you may have.

Reach Out Today

At DePaulo Agency, we help rental property owners in Scotia, NY, acquire umbrella insurance at affordable costs. If you are interested in this policy, we will inform you of the options and help you choose the right one for your needs. Contact us today for more information and get started right away.

How to Get Your Motorcycle Ready for Riding Weather

March is here, meaning the sun is starting to shine, and snow and ice are melting away. If you are a motorcycle lover, it is almost riding season. At DePaulo Agency, providing motorcycle insurance in Scotia, NY, we want to help you stay safe when riding your bike. And one of the best ways to do this is to properly prepare your motorcycle for riding weather.

Here are a few tips on how to get your bike ready for the first ride of the year. 

Inspect Your Motorcycle For Signs of Damage or Rust

If your bike has been stored, the first thing you want to do is wash the bike and look for signs of damage or rust as you do. If there is any rust or damage, you need to get the damage repaired before you take your bike out. 

Inflate Your Tires on the Bike

The next thing you will want to do to get your motorcycle ready to ride is inflate the tires on your bike. Find out what PSI is recommended for your tires, and then ensure your tires are inflated to the correct setting. 

Get Your Motorcycle Professionally Serviced

Lastly, if your motorcycle has been winterized or is due for service, you will want to get your motorcycle serviced by a motorcycle mechanic before riding your bike.  

The final thing you should do before heading out on your motorcycle is review your motorcycle insurance policy. Ensure that your policy still meets your needs. If it does not, or you are looking to purchase a new policy in Scotia, NY, DePaulo Agency can help you. Call us now to obtain an estimate for a new motorcycle insurance policy.