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Denofio Insurance Agency
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FAQ and Links

Many people have questions about insurance and their coverage. On this page we will answer some common questions and also provide links to other insurance-related sites.

Here are examples of some common homeowners insurance questions. We will update this page frequently, so be sure to check back!

Q: What is a homeowners policy?

A: A homeowners policy protects your home and personal property against fires, theft and wind storms.  The homeowners policy also contains liability coverage. 

Q: Are all policies alike?

A: No, there are a number of different policies and it is important to choose the one that is right for you.
 
Q:  Does the homeowners policy cover damage caused by a flood?
 
A. No, the homeowners policy does not contain flood coverage.  You need to carry a separate Flood Insurance Policy, which we will be happy to write for you.

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Useful Links

Here's a link to a site that discusses insurance issues:

New York State Insurance Department

Here's a link to the company that underwrites many of our policies:

Merchants Insurance Group

If you have an insurance-related question, e-mail us and we'll answer it on this page:

Denofio Insurance Agency

1317 Regent Street * Schenectady, NY 12309 * 518 374-7010