An umbrella insurance policy is designed to provide additional coverage if your regular insurance policies are insufficient to cover certain expenses or claims. For example, suppose you accidentally injure someone while driving and don’t have adequate car insurance coverage. In that case, an umbrella policy can help protect you from paying out-of-pocket for those losses.

With an umbrella policy, you typically select a base amount of coverage – often $1 million or more – that provides protection against liability costs beyond what your other policies will cover. So, for instance, if you own a home and have significant savings in the bank but only have basic auto and homeowners insurance coverage, an umbrella policy can help provide extra financial protection if someone gets hurt on your property or your home burns down.

With an umbrella policy, you typically select a base amount of coverage – often $1 million or more – that provides protection against liability costs beyond what your other policies will cover. So, for instance, if you own a home and have significant savings in the bank but only have basic auto and homeowners insurance coverage, an umbrella policy can help provide extra financial protection if someone gets hurt on your property or your home burns down.

And because these types of claims can be extremely costly to pay out of pocket, having adequate coverage is essential to protecting yourself from substantial financial loss. If you don’t have any umbrella coverage, it’s worth considering whether it makes sense for you. If you have any questions about umbrella insurance, give the DePaulo Agency a call today. We proudly serve the Scotia, NY area. 

Motorcycle accidents can be very dangerous, even life-threatening. To stay safe while driving a motorcycle, it is essential to know the proper safety tips and always wear a helmet. In the event of an accident, it is essential to know what to do to protect yourself and others. Here are some tips for new riders.

1. The importance of wearing a helmet while riding a motorcycle

It is smart to wear a helmet while riding a bike, as it can protect you in an accident. A helmet can help to protect your head and neck from injuries in the event of a crash. It is also important to ensure that your helmet is fitted correctly and certified to meet safety standards.

2. How to stay safe while driving a motorcycle

You can do several things to stay safe while driving a motorcycle. Please ensure you are familiar with the bike before you ride it, and always wear protective gear, including a helmet, gloves, and jacket. It is also important to avoid riding in bad weather conditions and to obey all traffic laws. Additionally, be aware of your surroundings and keep a safe distance from other vehicles.

3. What to do in the event of an accident

If you are involved in a motorcycle accident, staying calm and taking steps to protect yourself and others is important. If you are injured, seek medical help immediately. Once it is safe to do so, gather information from the other drivers involved in the accident and exchange insurance information.

If you have any questions about your insurance coverage, call the DePaulo Agency today. We proudly serve the Scotia, NY area.

As a boat owner, you need to be well informed about insurance for your watercraft. Boat owners in Scotia, NY can learn about boat insurance by contacting us at DePaulo Agency.

A lot of boat owners make inaccurate assumptions when it comes to insuring their watercraft. The following are three things you shouldn’t assume about your boat insurance policy. 

Boat insurance covers your boat in any body of water.

It’s important to realize that most boat insurance policies have geographical limits. You cannot assume that your policy will cover you wherever you use your boat if you travel far from your home location and wish to go boating. 

Your driving record doesn’t impact the cost of boat insurance.

Consumers are typically aware of the fact that their driving record impacts the costs of their auto insurance. However, many consumers don’t realize that their driving record can also affect the costs of their boat insurance. 

A driving record with numerous serious infractions will mean that a consumer may have to pay more for boat insurance or struggle to get boat insurance coverage. 

You don’t need boat insurance if it isn’t required by law. 

In many states, in some or all situations, boat insurance is not required by law. However, this does not mean that boat owners should not purchase boat insurance coverage. 

Boat insurance protects boat owners financially regardless of whether it is required by law. Investing in a boat insurance policy with liability and collision coverage is always best. 

Do you have questions about boat insurance? We’d be happy to hear from you at DePaulo Agency. Get in touch with us today to learn more about our policy options for boat insurance. 

We offer insurance products at DePaulo Agency, serving the greater Scotia, NY region. One of the types of insurance products that we are pleased to offer our customers is RV insurance. However, one of the questions we are often asked about RV insurance is whether RV insurance can be dropped in the winter months when the RV is not being driven. Read on to learn more about this topic, especially if this is a question that you have. 

Should You Drop RV Insurance in the Winter When the RV is Not Being Driven?

It would help if you did not drop RV insurance in the winter when the RV is not being driven. First, in New York, you are required to carry insurance on the RV. If you fail to do so, registration may be revoked. Secondly, your RV insurance policy may also cover the RV against theft, fire, and falling trees. All of these things can occur even when an RV is being stored. Carrying insurance is still important even when the RV is not being operated. 

What Can You Do Instead of Dropping Your RV Insurance in the Winter Months? 

If you do not plan on using your RV for some time, reach out to your insurance company and ask if they have any discounts for RV insurance when the RV is not going to be operated. They may be able to reduce the anticipated mileage, which may help to reduce the amount you pay for RV insurance. 

At DePaulo Agency, serving the greater Scotia, NY area, we can help you get the best RV insurance policy for your needs. Call us now, and let’s talk about your RV insurance needs and let us help you find the ideal policy for you. 

At DePaulo Agency, serving the greater Scotia, NY area, our team offers an array of insurance products to serve local community members. One of the products that we offer is renters insurance. Unfortunately, we have seen many misconceptions about renters insurance among renters. One of the questions is whether roommates can share a policy or whether every roommate needs their own renters’ insurance policy. Read on to learn more about this topic. 

Can Roommates Share a Renters’ Insurance Policy? 

Roommates can share a renters’ insurance policy as long as they live under the same roof. However, most professionals recommend that each renter has their own policy. The reason for this is that you have full control over the policy. If you are sharing a policy, you may not know if a premium is paid late and your policy has been canceled, or you may not know the policy’s limits. When you have your own policy, you have full control over every aspect of the policy. 

How Can You Verify If You Are Covered Under a Renters’ Insurance Policy?

If you share a renters’ insurance policy with roommates, verifying that every renter’s name is covered under the policy is crucial. Look at the policy and look at the covered individuals. People make a mistake and assume that since the address is listed on the policy, it covers every renter listed under that address. Unless your name is specifically listed as a covered party, you are not covered under the policy. 

Whether you are looking to get your own renters’ insurance policy or to share a policy with one or more roommates in the greater Scotia, NY area, DePaulo Agency is here to help you. Call or email us today to learn more about obtaining a renters’ insurance policy for rented homes, apartments, condos, or even rented rooms. 

When you want to start your own business, the first thing that probably crosses your mind is how to make enough money to stay afloat. There are specific sectors of the economy that are increasing. If you have a business that caters to these industries, then it’s likely that your small business will grow exponentially very soon. DePaulo Agency of Scotia, NY presents three small business industries that are multiplying and how you can tap into them.

Sustainable Products And Services

The first rapidly growing small business industry involves sustainable products and services. The term “sustainable” is used more often nowadays, as people are becoming more concerned about the environment. Sustainable products and services are those that help to preserve the environment. You’re lucky if you have a company that offers green services or products. Many people are switching to sustainable products as they become more environmentally conscious.

eCommerce

Another rapidly growing small business industry is eCommerce. E-commerce is the buying and selling of goods or services over the Internet. It’s one of the fastest-growing industries in the world today, and it’s also one of the most profitable. With eCommerce, you don’t need a storefront to earn an income. You can sell your products and services online, so you don’t have to pay for rent, utilities, or overhead expenses.

EdTech

EdTech is a growing sector because it offers educational services to almost all sectors of the economy. It can create various school management systems, educational software, and other learning tools. It is important to note that how a person learns is changing, and today, more and more people prefer digital learning content over conventional classroom-based learning. To cater to this growing demand, many companies have started investing in developing EdTech solutions.

Bottom Line

No matter what business you decide to start, you want to make sure your investment is well-protected. If you own a business in Scotia, NY, let the DePaulo Agency find the right commercial insurance policy for you today.

When it comes to personal finances, there are many things to think about. One important decision is whether or not to purchase umbrella insurance. While the decision may seem difficult, the benefits of having umbrella insurance are clear. Let’s take a look at some of those benefits.

1. Help Protect Your Assets

One of the main reasons to purchase umbrella insurance is to help protect your assets. If you are sued and found liable for damages, your personal assets could be at risk. Umbrella insurance can help provide the extra coverage you need to help protect your home, savings, and other assets.

2. Coverage for Damages Above Your Auto and Home Insurance Limits

Another reason to have umbrella insurance is that it can provide coverage for damages that exceed your auto and home insurance limits. If you are involved in an accident, or your home is damaged, your auto and home insurance policies may only cover a portion of the damage. Umbrella insurance can help provide the additional coverage you need to protect yourself financially.

3. Peace of Mind

Another benefit of having umbrella insurance is peace of mind. Knowing that you are insured for a certain amount of damage can help reduce stress in difficult situations. Umbrella insurance can also provide peace of mind regarding your future. If you are ever in a situation where you need to file a claim, you will know that you are covered.

4. Coverage for All Occasions

One of the best things about umbrella insurance is that it provides coverage for almost all occasions. Whether you are involved in a car accident or someone slips and falls at your home, umbrella insurance can help cover the costs of damages. This type of policy can also provide coverage for defamation, libel, and slander.

5. Affordability

Umbrella insurance is surprisingly affordable. When comparing the cost of umbrella insurance to the potential cost of damage, it is clear that umbrella insurance is a wise investment. For a small annual premium, you can have peace of mind knowing that you are protected financially.

Need Umbrella Insurance in Scotia, NY?

There are many reasons to purchase umbrella insurance. The benefits of having this type of policy are clear and can provide peace of mind in difficult situations. If you are looking for additional coverage, umbrella insurance is a great option. DePaulo Agency can help you find the right policy for your needs. Contact us today to learn more.

Are you a motorcycle enthusiast? Well, then you already know the fun of having an open-door adventure with your bike. But do you also know the risk your bike poses? You may have all the protective gear, but that may not help you in the event of an unthinkable occurrence.

With that in mind, motorcycle insurance is the real deal when you want to enjoy your motorcycle. It offers a financial safety net for your bike and yourself as well. That said, choosing the correct insurance is significant as it will help you have the right policy that suits your needs and lifestyle. DePaulo Agency is here to help you find the best policy. We’ve prepared for your four areas covered by motorcycle insurance. Let’s explore

Liability coverage

New York state requires you to carry proof of insurance while registering your motorcycle. Liability coverage covers property damage and bodily injury to others when you are at fault for an accident.

Physical damage coverage

Collision coverage covers damage caused to your motorcycle after colliding with a stationary object or another vehicle. Motorcycle insurance goes beyond just covering you on the road. Comprehensive insurance pays for damages caused by non-collision perils like theft, fire, vandalism, falling objects, and natural disasters.

Medical payments coverage

Motorcycle insurance pays for the medical costs for you and your passengers when involved in an accident. This way, you can focus on your recovery without stressing about medical bills.

Underinsured and uninsured coverage

People still disobey the law and ride without insurance or with inadequate coverage. Thankfully, motorcycle insurance covers damages and injuries caused by an uninsured or underinsured motorist.

Motorcycle insurance in Scotia, NY

Motorcycles don’t come cheap. When you get into an accident, you will be glad you had your motorcycle insurance in place. The aftermath of the accident makes the policy a worthwhile investment. Ready to purchase your motorcycle insurance in Scotia, NY and its environs? Please contact DePaulo Agency for an affordable quote.

While boat insurance isn’t a mandatory requirement in New York, you need this investment if you want to enjoy your vessel to the fullest. Whether you have a fishing, sailing, or cruising boat, here are the reasons you need boat insurance from DePaulo Agency of Scotia, NY.

It may be required

Yes, we said boat insurance isn’t compulsory in New York, but your lender may require it as long as your loan liability is outstanding.

To protect your asset

Your boat is a significant asset that needs protection at all times, whether inside or outside the water. Comprehensive boat coverage protects your boat against non-accident risks like fire and theft. Collision coverage cushions your boat against physical damage after a crash with another boater or stationary object.

Liability protection

Boat accidents aren’t as common as car accidents, but when they occur, you could be responsible for injuries or property damage to other people. Worse yet, since we live in a litigious society targeting persons with prime assets, you could be sued for accidents you cause. Thankfully, you don’t have to incur out-of-pocket when liability claims knock on your doors.

Medical payments

If you or your passengers suffer bodily injuries following a boating accident, your boat insurance pays for the medical expenses. This way, you can focus on your recovery without worrying about medical bills.

For peace of mind

You definitely don’t want to be thinking about this and that peril when enjoying your boat in the water. Boat insurance can be that investment that erases your worries when in the water.

Boat insurance in Scotia, NY

Boat insurance can save you from sliding into a financial mess. From covering you against liabilities to compensating you for your boat damages, there is so much boat insurance can do for you. To get boat insurance coverage, don’t hesitate to get in touch with DePaulo Agency for an affordable quote.

Regardless of how often you use your RV, it is a good idea to protect it with RV insurance. This type of coverage is designed to protect the components of your RV and assist when your equipment fails, you break down, or you are involved in an accident. DePaulo Agency, serving Scotia, NY, wants to share a few important reasons you need RV insurance. 

Liability Protection

Generally, RV insurance policies offer liability protection, which covers you in the event someone suffers an injury in an accident. Due to the fact that RVs are usually only used for adventuring and traveling, it is not uncommon for these recreational vehicles to be driven for long periods on rough or remote roads. Interstate accidents are always dangerous due to traveling at higher speeds. Therefore, it is a good idea to have liability protection that will take care of medical costs for passengers.

Loss Protection

Comprehensive auto insurance plans offer protection from loss, allowing you to recover the cost of your automobile in the event it is deemed totaled after an accident. Comprehensive RV insurance works similarly, but the coverage extends to interior and exterior components, such as appliances and awnings. 

Roadside Assistance

A lot of RV insurance plans will include roadside assistance, allowing you to get assistance in the event of a breakdown. More often than not, this part of the insurance policy includes towing coverage up to a certain amount if you can’t operate your RV. Towing costs can break you, which makes roadside assistance and RV insurance invaluable.

If you are currently in the need of RV insurance, or if you would like to get an insurance quote, contact DePaulo Agency, serving Scotia, NY, where professional insurance agents can assist you.