DeNooyer Direct Insurance Services, LLC

2038 Central Avenue
Albany, NY 12205

Insurance Blog

What every homeowner should know about home insurance

Buying a home is the American Dream. Albany, NY has a lot going for it being the capital of the state of New York. It has a great location with easy access to Vermont and the Catskills. It is a smaller city that has all the amenities that you could want. DeNooyer Direct Insurance Services LLC strives to ensure that all of our customers are fully insured with the finest available insurance. As independent insurance agents, we provide lots of carrier choices, and one of them is perfect for your needs. 

Home insurance is not something that most people know a lot about. It really helps to read your declaration page when you get your policy, but beyond that, there are some things that every homeowner should know about home insurance.

Basic coverage

A basic home policy has more coverage than you might expect. It protects your home at replacement cost. It covers the contents with limits. Liability coverage in the event you get sued after an injury on your property or by a member of your family is an important part of your coverage. Loss of use will help you have a place to stay if a covered peril hits you. 

Not every peril is covered.

Home policies have exclusions that many homeowners may not be aware of. Floods, earthquakes, mudslides, and sewer backups are not covered. Termite and mold damage are considered a lack of maintenance by the owner and are excluded. 

Actual cash value vs. replacement cost

Your contents can be covered in one of two ways, actual cash value or replacement cost. A 5-year-old washing machine doesn’t have the same value as a new one. If you want to be able to replace everything, you want replacement cost. 

At DeNooyer Direct Insurance Services LLC in Albany, NY, we are ready to answer any additional questions you may have. Please stop into our office or give us a call and let us help you choose the perfect home insurance.

What coverage does my home insurance provide

Owning a home in Albany, NY is the fulfillment of the American dream. Buying a home is the most significant investment most people will ever make, and protecting that investment is a top priority. Choosing the right home insurance can make all the difference when and if you ever need it. At DeNooyer Direct Insurance Services LLC, we make it our business to connect our clients with the best carrier to match their needs and their wallet. 

Home insurance offers a lot of protection for your home, and it can’t be stressed enough that you need to read your insurance policy so you understand precisely what it covers and for how much and what is excluded. 

Physical structure

The physical structure of your home is protected from covered hazards. This includes any attached structures such as a garage, a porch, or a deck. It also covers detached structures on your property, such as a garage, casita, or shed. 

Personal property

Everyone’s home is filled with personal possessions. These possessions are covered up to the designated limits on your policy. Creating a  home inventory will help to make sure you know what you have and what needs to be replaced. 

Liability

Your home insurance helps to protect you against legal action, which may be taken against you. Getting sued is traumatic, but if you know that your home insurance covers you for your legal expenses as well as a judgment against you, it provides peace of mind. 

Loss of use

If something happens to damage your home and you are not able to stay there, this coverage will help to pay for another place to wait until your home is ready to be occupied again. 

Home insurance is designed to protect you, and your home from some of the hazards life can throw at you. At DeNooyer Direct Insurance Services LLC in Albany, NY, we want to match you up with the right home policy for your needs. Give us a call for a no-obligation quote.

3 Energy Saving Tips From DeNooyer Direct

Utility costs can skyrocket during an Albany, NY winter. Saving energy is not only eco-friendly, but it also saves you money by lowering your utility costs and being friendly to your monthly budget. At DeNooyer Direct Insurance Services LLC, our agents can provide you with energy-saving tips you can use to lower your utility costs and still maintain a comfortable home. Aside from having your electric company perform an energy audit, there are many other things you can do to control how you use energy in your home. 

Install "Smart" Devices

"Smart" devices are often included in home security system packages and allow you to manage several devices at one time with a simple Wi-Fi connection. A smart thermostat can adjust the temperature of your home so that less energy is used while you are asleep or away. You can also set your indoor and outdoor lights to timers that will turn them on and off as needed. 

Weatherproof Your Windows

One of the biggest areas for energy loss is around your windows. Once a year, check your weatherstripping or see if the caulking around your windows is still in good shape. This will prevent drafts, keeping the warm air in your home in the winter and the cold air inside in the summer. 

Let the Light Shine In

Instead of turning on lights during the day, open your curtains and let the sunshine in. If you don’t want people to see inside your home, add a set of sheer curtains that will block the view but still let the light shine through.

Call or visit DeNooyer Direct Insurance Services LLC if you want to learn more about saving energy and keeping your energy costs low. Our agents are always available to help residents of Albany, NY get the answers they need.

3 Energy Saving Tips From DeNooyer Direct

Utility costs can skyrocket during an Albany, NY winter. Saving energy is not only eco-friendly, but it also saves you money by lowering your utility costs and being friendly to your monthly budget. At DeNooyer Direct Insurance Services LLC, our agents can provide you with energy-saving tips you can use to lower your utility costs and still maintain a comfortable home. Aside from having your electric company perform an energy audit, there are many other things you can do to control how you use energy in your home. 

Install "Smart" Devices

"Smart" devices are often included in home security system packages and allow you to manage several devices at one time with a simple Wi-Fi connection. A smart thermostat can adjust the temperature of your home so that less energy is used while you are asleep or away. You can also set your indoor and outdoor lights to timers that will turn them on and off as needed. 

Weatherproof Your Windows

One of the biggest areas for energy loss is around your windows. Once a year, check your weatherstripping or see if the caulking around your windows is still in good shape. This will prevent drafts, keeping the warm air in your home in the winter and the cold air inside in the summer. 

Let the Light Shine In

Instead of turning on lights during the day, open your curtains and let the sunshine in. If you don’t want people to see inside your home, add a set of sheer curtains that will block the view but still let the light shine through.

Call or visit DeNooyer Direct Insurance Services LLC if you want to learn more about saving energy and keeping your energy costs low. Our agents are always available to help residents of Albany, NY get the answers they need.

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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