DeNooyer Direct Insurance Services, LLC

2038 Central Avenue
Albany, NY 12205

Insurance Blog

Steps to Take for a Safe Road Trip

Getting away for a while and packing your car for a road trip? You’ll want to enjoy every minute of your time away. Here are a few steps you’ll want to take to make sure that you have a great trip. The Albany, NY agents at DeNooyer Direct Insurance Services LLC know what it’s like to want to keep your family safe while on the road.

Have a Road Ready Vehicle

Start with getting the vehicle you plan to drive in tiptop shape. Check the tire pressure and the tread. The oil should be changed every 3,000 miles or every 3 months. Take the time to get to a mechanic and have them check the brakes and top off all of your fluids, including brake, coolant, and windshield wiper fluids.

Get the Right Equipment

The road is where you don’t want to be left without any emergency equipment. 

  • Road flares and other safety items, like a first-aid kit

  • Blankets and pillows

  • Snacks for kids

  • Water or juice

  • Matches and flashlights

  • Extra cell phone battery or portable charger

Rest Up Before You Go

Even if you plan to leave before dawn, as the driver you should get at least 8 hours of sleep. Driving for long periods does not just make you sleepy, but it can tire your body out and stiffen your muscles. If there are other adults on the trip, you should allow them to take the wheel for a few hours. You can also stop every few hours to stretch.

The most important rule you must follow before taking a road trip is to have the right amount of auto insurance. DeNooyer Direct Insurance Services LLC in Albany, NY can get you matched up with the right type of coverage for your needs.

Should You Have an Umbrella Policy?

Umbrella insurance in Albany, NY is additional liability coverage that will kick in once you have already exhausted your home and auto insurance. Since the point of this policy is to protect assets from a lawsuit, it makes sense to get this policy when you have assets to protect.

Depending on your lifestyle, you may have additional risks that make having umbrella insurance an attractive option. For those who own boats, cars, or other vehicles, coach youth sports, have dogs, have guests in their home, have rental properties, or who talk about other businesses and people, an umbrella policy can provide protection against lawsuits. These activities can increase the chances of a lawsuit even if they may seem harmless.

In order to determine if an umbrella policy is right for you, start by calculating your net worth. This is the value of all your assets, including cash in the bank, your home, stocks and bonds, retirements accounts, and anything of financial value. Then subtract your debts to determine the net worth. Next, find out how much liability coverage you already have on your existing policy. For an auto policy, you need to look at three different numbers. Take the number you found in the second step and subtract it from the number in step one. The difference is the amount of money that you have that can be up for grabs in a lawsuit. An umbrella policy to cover this will give you full protection. For many people, a basic umbrella policy of $1 million is enough. You should have more coverage if your assets left unprotected total more than that. An agent at DeNooyer Direct Insurance Services LLC can help you determine the best amount. You aren’t able to bump up coverage while you are in the middle of a lawsuit so it can be better to have too much instead of too little.

Contact DeNooyer Direct Insurance Services LLC, serving Albany, NY, to get a quote on umbrella insurance. 

Does Home Insurance Cover Property Stolen from My Car?

When you have your things stolen from your home, it may seem straightforward to file an insurance claim with your carrier. But when it comes to your home insurance policy, not all policies cover stolen property. If you know that your policy does cover stolen property though, you may wonder if it’s possible to cover loss even if your home wasn’t broken into. If you live in Albany, NY and want to know more, DeNooyer Direct Insurance Services LLC is here to help. 

Your Insurance Policy May Cover Theft from Your Car 

Your home insurance policy doesn’t just cover the contents of the home, it also covers your general possessions (regardless of where they are). However, there is a fee cap for off-premise theft and the deductible still applies. So let’s say you have a policy that covers up to $100,000 of your property. If your car is broken into, you may receive up to $10,000 for any possessions taken from your vehicle. Plus, you’ll still need to factor in the deductible as well. 

How It Works 

Let’s say you do all of your Christmas shopping in one fell swoop at the mall. You pile all your bags into the car but then remember you need to run back in. If someone takes all of your bags, you’ll likely benefit from filing a claim to cover the majority of your shopping. However, if your deductible is $1,000 and your laptop is taken from your car, you’re unlikely to recoup any of the costs (unless the price of your used laptop totals more than $1,000). 

If you want to learn more about your home insurance options in Albany, NY, call DeNooyer Direct Insurance Services LLC today to talk to our friendly staff!

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