How you can better customize your home insurance

At DePaulo Agency in Scotia, NY, we proudly serve local families with insurance solutions tailored to their needs.

While there are "off-the-shelf" home insurance policies, a customized solution can often provide better coverage at a cost-effective price. Here are some ways we can help customize your home insurance.

Natural Catastrophe Insurance

Standard home insurance policies likely don’t cover certain catastrophes like earthquakes or floods. You’ll need separate coverage to protect your home thoroughly. Flood insurance can be a particularly valuable addition.

Increased Liability Coverage

While it’s relatively easy to establish the value of replacing your home, you may lack sufficient liability coverage. This is the coverage that helps protect you from financial losses should someone become injured on your property. It can help cover not only any settlement costs but also legal costs.

Seek Out Discounts

Be proactive in asking for any discounts you may qualify for. These may include senior discounts, security upgrade discounts, and others.

Loss of Use

If your policy doesn’t include a loss of use provision, ask about it. It can cover living expenses while damages from a covered claim are being repaired on your property.

Add Umbrella Coverage

Umbrella coverage is an easy way to improve your overall protection by increasing limits. Ask us how umbrella coverage can help customize your coverage.

Address Policy Exclusions

Take a closer look at any policy exclusions you may have and address what you can do to fill these gaps.

Let’s Get Started

If you own a home in the Scotia, NY, area, contact DePaulo Agency, and we can customize your home insurance. Get the protection you deserve at DePaulo Agency today.