Wednesday, April 23, 2014
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We have moved! Our new address is 108 N. Ballston Ave Scotia NY 12302.

Spring Clean Your Insurance



Scautub Agency LLC
108 N Ballston Avenue
Scotia, NY 12302

Keeping Insurance Easy & Accessible

It seems we've waited forever for the warm weather to come. And now that it's here, it's time to get in gear! A good plan for spring cleaning includes revisiting your homeowners and auto insurance to ensure you're adequately protected.

Your Homeowners insurance
With the warmer months come a greater risk for wildfire, heavy rains and high winds. They also bring an urge to get outdoors—to hit the water or the golf course. Does your Home coverage fully protect you for these weather events and leisure pursuits?

Here are some things to think about:

• Do you have enough coverage? Claim statistics show that up to a third of the time, consumers don't have enough insurance to replace their home's contents and personal possessions after a disaster. An easy way to calculate what it would cost to replace your personal property is with our Personal Property Analyzer. By answering a few simple questions, you can determine if your current insurance is sufficient. For a more detailed review, contact Scautub Agency LLC
• When to add a Dwelling Fire policy. If you have a second or vacation home that you are renting out to others, consider supplementing your Kemper Home or Package Plus policy with a Dwelling Fire policy. Dwelling Fire generally covers:

- The dwelling and additional structures, such as a detached garage

- Fair rental value while your rental home is being repaired

- Onsite materials and supplies used to build or repair the dwelling

You can also add coverage for the vacation home's contents, additional living expenses and expanded liability

• Protect your investment with Boat coverage. Before you take your boat out of storage this spring, you might want to consider adding a Boat endorsement to your Kemper Personal and Commercial Lines' Home or Package Plus policy. Here are some of the additional protections you would receive:

- Accidental loss to the boat, attached equipment, portable accessories, motor and trailer

- Liability for injury and property damage you cause to others through the use of the boat or motor

- Medical expenses for guests other than family members who may be injured while on the boat
• Insure against flood damage. Many consumers believe that a standard homeowners policy will protect their house and possessions from flood damage, but it does not. You can purchase flood protection from the National Flood Insurance Program. Contact Scautub Agency LLC for more information or visit

Your Auto insurance
Having adequate auto insurance is important any time of the year, but perhaps never more so than during the vacation season. According to the National Highway Traffic Safety Administration, the highest number of traffic fatalities occurs in the warmer months, with the peak in August.

While these statistics suggest extra caution on the road, don't forget to make sure your car insurance is up to speed. Consider the following:

• Putting your college student on your policy. Do you have a teen coming home from college this summer who will want to borrow your car? Ensure your child is on your policy before he or she gets behind the wheel

• Safeguarding your new car against a total loss. Our Auto policy offers great protection, but for comprehensive insurance, you may want to supplement it with Kemper Total™. If you’re in an accident that’s a covered total loss, it pays the amount necessary to repair the vehicle or purchase a new one

• Protecting your car when you’re not in it. With Parked Auto coverage, if your vehicle is legally parked and unoccupied when it’s damaged as a result of a crash, we'll waive your Collision deductible on a covered loss

Contact Scautub Agency LLC about these and other coverages that can protect your lifestyle and your assets through the spring and summer months, and beyond.


Scautub Agency LLC, and Kemper Personal and Commercial Lines Work Together for You

Scautub Agency LLC is proud to represent Kemper Personal and Commercial Lines, an insurance company that sells its products only through Independent Agents. Kemper understands the value that Independent Agents bring to their customers. Like ensuring they're adequately protected. Helping them find the best coverage for the best price. And updating their protection as their household changes.

We thank you for turning to Scautub Agency LLC and Kemper for your insurance needs. If you have any questions about your coverage, please give us a call.

© Kemper 2014

All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances current policy contract language prevails. Products, services and discounts referenced herein are not available in all states or in all underwriting companies. Furthermore, the products and prices of our various Kemper business segments differ. Coverage is subject to individual policyholders meeting the applicable underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.



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Contact Us

  • Scautub Insurance Agency
  • 108 N. Ballston Avenue
  • Scotia, NY 12302
  • Phone: 518-346-3427
  • Fax: 518-346-1524
  • Directions

About Scautub Agency

What we do: Scautub offers a wide range of insurance from personal auto and home to commercial business. We work with several top companies that allow us to tailor each policy to meet each client’s individual needs as well as provide our customers with the best comparison rates to choose from.

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