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DePaulo Agency

2 Windsor Drive
Scotia, NY 12302

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Is Boat Insurance A Legal Requirement?

Having a boat can be a great way to spend your leisure time. When you buy a boat, you may be wondering if it is a legal requirement to have boat insurance before you can hit the open water. Here is some helpful information to get you started.

Is Insurance A Requirement?

In the state of New York, boat insurance is not a legal requirement, but it is highly recommended. There is a high risk of damage and accident when out on the open water. In some ways, there are more risks on the water than there are on the highway. If you are going to spend money on a recreational vehicle such as a boat, you need to protect your investment and get boat insurance to help you repair or replace after a covered event.

What Does It Cover?

Boat insurance will cover the repairs to another boat if you have a collision. You can also get a full coverage package that will help you repair or replace your own boat in the event of an accident or other covered events. It is important to consider that you may need coverage in the event of theft, wreck while in transport, or fire caused by any number of circumstances. If you want more information about boat insurance and the limits of coverage it provides, you should call or stop by Scotia, NY, DePaulo Agency.

Don’t leave your investment to chance without having boat insurance. Get more advice and help from our knowledgeable insurance agents at Scotia, NY, DePaulo Agency. Get out on the water and have peace of mind knowing that you are covered when you need it.

 

 

What are the Motorcycle Insurance Requirements?

Riding a motorcycle on a nice day can be a very fun and exhilarating activity. While a motorcycle is a great recreational vehicle and mode of transportation, it also is a valuable asset that needs to be properly covered by insurance. For those that live in the Scotia, NY area, as well as other areas of state, there are minimum motorcycle insurance requirements that need to be followed.

Property Damage

When you are looking for a new insurance policy in the state of New York, the first type of coverage that you will need to have is property damage insurance coverage. In the state of New York, the minimum requirement is $10,000 for property damage for every single accident. This will provide coverage to the other party in the event that you are found at fault in an accident.

Bodily Injury Coverage

When you are looking to build a motorcycle insurance policy is compliant with state requirements, you will also need to have bodily injury coverage. In the state of New York, you will need to have minimum requirements of at least $25,000 per person and $50,000 per accident. You also need to have an additional level of coverage of $50,000 per person and $100,000 for an accident in which two or more people are involved.

Additional Requirements

While you following the state requirements are important, you also need to make sure you are in compliance with your motorcycle lender requirements.  Your motorcycle lender may also require collision and comprehensive coverage. 

For those that are in the Scotia, NY area, finding the right insurance company is very important. One insurance company that could provide you with valuable insight into your needs is the DePaulo Agency. The DePaulo Agency will be able to help you better understand your insurance needs and get you into the right policy for your situation.

Myths about RV Insurance

If you have a recreational vehicle (RV) you want to make sure it’s going to be protected in case anything happens. This is true whether you are out on the road, parked or using an RV as your residence. Getting RV insurance doesn’t have to be complicated, but you do need to be aware of coverage options.

It’s important that you know these myths about RV insurance in order to protect your investment and why having the proper insurance for your RV is crucial.

1. The RV Will Be Covered by the Auto Policy

The auto policy will not cover any personal belongings that you carry in your RV and, when your RV is parked and used as a residence, it won’t include liability insurance. An auto policy also won’t cover many of the accessories on the RV, such as awnings, satellite dishes or antennas. If your RV is a loss and you use that as a residence, a regular auto policy will not cover any expenses for lodging or traveling.

2. Homeowners Insurance Will Cover Personal Property on the Road

There are usually strict limits on what is covered under the homeowner’s policy, especially if it’s off premise, and your auto policy won’t cover personal belongings. With a proper RV insurance policy, comprehensive coverage will cover your personal belongings.

3. RVs and Autos Are the Same

While an RV and car will get you from point A to point B, they are not the same. Cars don’t have sleeping quarters, bathroom facilities or built-in ovens and thus don’t require the same amount of insurance coverage.  

Visit or contact an agent at DePaulo Agency serving Scotia, NY to learn more about the right RV insurance policy for your needs and optional coverage that you can add to always stay protected.

 

 

Tips to Stay Safe on a Cross Country Road Trip

Even if summer is closing, there are still plenty of reasons to take an epic road trip. Scotia, NY, is as good a starting point as anywhere, so DePaulo Agency is here to give you a few safety tips before you leave.

Supply for Emergencies

Rule number one on any trip is to have a plan in case of emergencies. When taming the open road, the basic supplies you should consider are flash lights, bottled water, a first aid kit, blankets, phone chargers and jumper cables. Another nice item to have stashed is an old blanket that can keep things clean if you have to get under the hood unexpectedly. You can add whatever else you might deem important to your emergency cash (snacks never hurt), but these are the essentials.

Drive Safely

Obviously. But, there are steps you can take to be safer behind the wheel. First and foremost, manage your distractions. Set up the GPS while you’re parked, and leave screen time for when you aren’t driving. Passengers can also be distracting, so make sure they access to everything they need. If you are driving alone, make sure everything important (food, drinks, music changer etc) is well within reach before you put the vehicle in gear. The next big safety tip is to manage your fatigue. You’re planning on lots of driving, so never push yourself when you’re tired. Pulling off and catching a few z’s can be the difference between life and death. Road trips are supposed to be enjoyable, so there’s no need to keep to a grueling pace. Finally, take care of the vehicle. You should go through a basic inspection at the start of every trip and at least every 10,000 miles. You should be checking fluids, tires, brakes, lights and wipers.

Stay in Touch

It’s always a good idea to update someone who isn’t on the trip. A simple text or call every time you get to a new checkpoint will ensure someone knows where to direct a rescue effort if you find yourself in need. This can be as fun as it is safe, giving you an excuse to send pictures and keep friends or family back home involved.

Of course, the ultimate protection comes in the form of proper insurance. If you travel in style, you can make sure your RV is covered with a quick conversation with Depaulo Agency. We handle accounts across Scotia, NY, and we’ll be happy to help any way we can.

 

Do All Insurance Policy Holders Need Umbrella Insurance?

Umbrella insurance is something that many policy holders could benefit from but that not all policy holders are in particular need of. There are some key points you can consider to help you determine if umbrella insurance is right for you or not. For those that live in the Scotia, NY area, the agents with DePaulo Agency can help you learn all you need to know about umbrella insurance.

Umbrella insurance is a policy that you can take out that adds supplemental coverage to your everyday life. You can add it to nearly any type of policy and can use it to help cover a wide range of instances. Umbrella insurance is best for those that feel their current policies are not covering what they are currently in need of. Say you have a teenager that is driving for instance and you feel that you are in need of a larger policy than you currently have in regards to your current auto policy, umbrella insurance can help extend and expand this type of insurance coverage.

Not all policy holders are in need of umbrella insurance. It does not necessarily benefit everyone when you look at how much it costs as opposed to how often it is going to be used. Taking the time to look at the different options and to decide which type of policy is going to do you the best is the fastest way to decide if umbrella insurance is right for you or not.

For those that live in Scotia, NY area, the agents with DePaulo Agency can help you to find the right umbrella coverage that you need and to help you decide if you really need umbrella coverage or if another type of policy might better suit your needs.  

How To Choose The Right Life Insurance In Scotia, NY

Most people may not know everything there is to know about life insurance. However, the residents of Scotia NY can be sure of two things; that choosing the right type of life insurance can be a confusing ordeal, and that getting life insurance is a very important decision that every adult needs to make.

So, what do you consider when choosing the right life insurance? The first thing you want to do is get the right agency. You don’t want to go with an agency that will bully or intimidate you or one that cannot fully explain why you should go for a certain insurance cover over another. The DePaulo Agency is an excellent choice for those who reside in Scotia, NY.

The next thing you want to consider is the type of life insurance. You can go for either “term” life insurance or a permanent life insurance.

If you only need the insurance for a specific period, then getting a term life insurance is the way to go. It allows you to match the length of the term policy to the length of the need. In simpler terms, it simply means, you can purchase a 20-year life insurance if you have kids and you want to ensure there is money for college.

If on the other hand, you need a life insurance for the duration of your life, then you’re better off getting a permanent life insurance policy. With permanent life insurance, your death benefit gets paid whether you live to be a 100 or die tomorrow.

You should keep in mind that the premium for permanent life insurance is typically higher than that of term insurance. However, with term insurance, the premium increases the older you get while with permanent life insurance, it remains the same always.

With the help of The DePaulo Agency, those in Scotia, NY can easily get across to an agency that can help them in deciding the type of life insurance they want.

 

 

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. 

Cyber Insurance

Most business transactions take place over the Internet, whether if it’s reaching out to prospective customers to gain their interest or completing a purchase. Thus, an avenue has been created for cyber attacks to occur.

The biggest insurance secret in the Scotia, NY business community is cyber liability, which has been in existence for approximately ten years. Often, companies of all sizes fail to ever realize that their data has been breached before it’s too late. The results are financial losses for small and large businesses.

Data breaches have become part of the marketplace every day life; companies must better manage for this potential risk by having cyber insurance offered by the DePaulo Agency that can significantly reduce the loss from a cyber attack.

What is Cyber Insurance?

Cyber insurance is designed to lower the threat of a breach with different coverages that range from data, product and service security. Businesses receive protection on the expenses associated with an investigation of a data breach attack. Cyber insurance allows websites to protect themselves from third party damage done by a writer’s reckless post that has brought a liable charge against them. All threats from hackers to extort money are protected while legal attempts to recover the data that was stolen in a breach are simultaneously taking place.

How to Acquire Cyber Insurance

Keep in mind that cyber insurance is still evolving, so the risk from a breach attack hasn’t been completely understood at this time. Small and large commercial businesses are still gathering information on the cost to protect themselves from data breaches and other cyber attacks. Its important for business leaders to identify what type of insurance is best to combat the different cyber attacks that occur within their industry. A standard needs to be set before another breach occurs.

With an excellent cyber insurance policy, Scotia, NY businesses can protect themselves from losing their market after a cyber attack. It’s important to speak with the DePaulo Agency and get the answers you need today.

The Basics of Filing Storm Damage Claims

When it comes to storm damage, there are certain things that every claimant should know. Though it might seem like a simple and straightforward claim, storm claims have the potential to be much more difficult than you might imagine. If you live in the Scotia, NY area, the agents with DePaulo Agency can help you get your claim approved.

The first step to any storm claim is to document the damage. Common storm damage for vehicles might be dents, broken lights, broken windows, etc. An adjuster is going to be looking to see if the damage could, in fact, have been caused by the storm, what the extent of the damage is, and how much it will take to fix. If you have hail damage, for example, you want to take pictures of all the damage so that you can start to get your car back in shape.

Another thing to consider is that you should make sure you have your time frame exact. An insurance company is going to look to see if there was a storm when you claimed it, what type of storm it was, and what potential for damage there was with the storm that you are filing a claim about. They are also going to ask what type of shelter there was for your car, and what type of warning you had.

You want to make sure you answer all questions thoroughly and truthfully so that your claim will not be sent back. Your storm damage claim does not have to be complex and difficult to file. With the help of the agents at DePaulo Agency, those living in the Scotia, NY area can get fast and efficient help that they need to get their storm damage claims filed and ready to pay out. Storm damage is awful, getting it fixed is not impossible.

Reasons to have insurance in Scotia, NY

Scotia, NY residents will need insurance for a number of different reasons. Insurance protects you from the unexpected and the chances of something unexpected happening goes up a lot in when you live in a big city, or in a place that has inclement weather a good portion of the year. Scotia, NY has both of these things, making insurance a real necessity. Below are some good reasons to have insurance in Scotia, NY through a broker like DePaulo Agency who serves the greater Scotia area, so that you, your family and your livelihood are properly protected and insured.

PROTECTING YOUR HOME

If you own a home in Scotia you are going to need a good comprehensive homeowners policy to protect against a variety of things, like fire, storm damage or burglary. If any of the aforementioned things happen, or something freakish like a car driving into your living room or a pipe freezing, bursting and flooding the house, your home insurance policy will cover it and keep you from having to pay more than your deductible, so you can have your home back without breaking the bank. Without home insurance in Scotia, NY an unexpected event could literally leave you homeless.

PROTECTING YOURSELF IN THE CAR

Driving is the one way most people are incredibly vulnerable to the unexpected on a regular basis and the same goes in Scotia. Car accidents are the norm in a big city like Scotia, especially because they have bad weather through a good portion of the year, causing cars to skid and slide unpredictably. With a good auto insurance policy, you can protect yourself from ending up in an accident where you won’t have enough money to pay for physical damages, medical care for those involved or protect yourself against a lawsuit due to the accident itself. Talk to your broker about what is best for you!