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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 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.


5 Tips to Avoid a Traffic Accident

There are plenty of ways to get into a car accident. It’s not easy to prevent, but here are five tips to help you avoid a traffic accident. With the independent insurance agents in Scotia, NY, at the DePaulo Agency, you’ll be able to have auto insurance in no time.

1. Prevent Distractions

Keeping your eyes on the road is one of the best ways to avoid an accident. When your attention is pulled elsewhere, it is easy to miss a car swerving into your lane or when busy traffic come to a halt.

2. Eating

Forget about grabbing a quick bite on the way to work. Eating takes your hands off of the wheel and your eyes on the road every time you dip your fries into the ketchup.

3. Cell Phone

Other than following the GPS to get to your destination, you should keep your phone out of view. Texting or watching videos are great ways to cause an accident.

4. Watch for Road Signs

Missing a road sign might seem like a frivolous thing, but you could easily hit another vehicle if you are not paying attention to the traffic signs.

  • Construction signs – can let you know if a lane ahead is closed or if there are workers nearby.

  • Stop signs – if you miss a stop sign, you may t-bone someone.

5. Be on the Defensive

Avoid other drivers that are distracted or driving recklessly. You may think you’ll get a rush from outmaneuvering the vehicle in front of you, but all will get is a ticket or perhaps worse.

Stop by the DePaulo Agency in Scotia, NY where agents will work to get auto insurance for your vehicle. They’ll also be able to help you set up policies concerning life insurance, homeowners insurance, and commercial insurance.


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 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.