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The Votes Are In!
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CONTACT US:
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 | | Daniel F. Dwyer, III |
D.F. Dwyer Insurance
38 Bellevue Avenue
Newport, RI 02840
and
our new office:
2623 East Main Road
Portsmouth, RI 02871
phone: 401.846.9629
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FARMER'S ALMANAC FORECAST:
| August 2013
Temperature 74 degrees (avg.); precipitation. 2.5" (1.5" below average). 1-6 Showers, then sunny, pleasant. 7-12 Scattered t-storms; cool north, hot south. 13-18 T-storms, then sunny, hot. 19-24 sunny, cool. 25-29 showers, then sunny, cooler. 30-31 T-storms.
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EXTRA EXTRA!
Info for You
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to stay 'in the know' with timely updates on topical insurance info, helpful tips and discounts -- join the conversation!
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GOT A QUESTION?
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We've got answers for you. Visit our Resources page to find helpful links, archived newsletters and Facebook articles.
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SKYWATCH: AUGUST
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Perseid meteors will appear to "rain" into the atmosphere from the constellation Perseus, which rises in the northeast around 11pm on 8/11 and 8/12 providing the year's best display of "shooting stars."
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It's That Time of Year Again...
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Prepare for Hurricane Season
With the National Oceanic and Atmospheric Administration (NOAA) forecasting an active Atlantic hurricane season, coastal residents should take steps now to prepare for extreme weather, according to the Insurance Information Institute (I.I.I.). The I.I.I. suggests the following tips to prepare for a hurricane and other disasters:
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Review Your Insurance Coverage The time to review your insurance policy is before you have to file a claim. You should have enough insurance to rebuild your home and replace all of its contents.
- Make sure you have enough insurance to rebuild your home.
- Ask about replacement cost coverage for your belongings.
- Find out how much coverage you have for Additional Living Expenses (ALE)
- Consider Flood Insurance-- and remember it takes 30 days for flood insurance to go into effect, so it's important to buy this insurance as soon as possible.
- Understand your deductible-- separate hurricane deductibles are incorporated into many homeowners insurance policies issued in many coastal states.
- If you are a renter, get renters insurance
- Create A Home Inventory
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 Have An Evacuation Plan
- Know where you will go and what you will take, if the authorities tell you to evacuate. Don't forget to consider the details of taking your pets with you!
- Protect Your Property
- Hurricane-proof your home by keeping wind and water out/ secure roof shingles and seal any openings, cracks or holes.
Visit our Resources page to download this complete article with expanded details on all of the guidelines listed above...
*Guideline content courtesy Insurance Information Institute
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Did You Know...
|  That D.F. Dwyer Insuarance Agency is a proud provider of Nationwide Agribusiness Insurance?
Visit our website or call us at 401-846-9629 to learn how we can be a valued resource for your farm-based business.
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Our Featured Client for August
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 Newport Pediatric Dentistry: Dr. Faith Drennon, DMD, PC specializes in the practice and teaching of comprehensive oral health care for children from birth through adolescence. This also involves working with children who have mental disorders and physical disabilities. Dr. Drennon is a graduate of the Medical College of Georgia, School of Dentistry. After five years practicing general dentistry in a private pediatric dental practice, she found that working with children was her passion. She completed a two year advanced education program in Pediatric Dentistry at Boston University. Dr. Drennon joined Newport Pediatric Dentistry in 2013.
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Eight Auto Insurance Myths
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 When purchasing car insurance, it's important to understand the factors that affect your car insurance premium rates and coverage. But how do you differentiate between truth and fiction? A good place to start is by dispelling some common myths about auto insurance:
- Myth 1: Color determines the price of auto insurance.
Auto insurance premiums are based on make, model, body type, engine size, sticker price, cost to repair, overall safety record, age of the vehicle and the age, driving record and credit history of the driver. - Myth 2: It costs more to insure your car when you get older. Actually, the opposite is true, many drivers over 55 years old can qualify for a reduction in insurance rates.
- Myth 3: Your credit has no effect on your insurance rate. People with good credit scores pay less for insurance when credit scores are entered into the pricing equation.
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 Myth 4: Your insurance will cover you if your car is stolen, vandalized or damaged by tree limbs, hail, flood or fire. Because comprehensive and collision coverage are optional coverages, you must carry both of these to protect your vehicle from all types of damage. - Myth 5: You need only the minimum amount of auto liability insurance required by law. In today's litigious society, chances are likely that the minimum liability coverage will leave you exposed to out-of-pocket expense for losses incurred after an accident.
- Myth 6: If other people drive your car, their auto insurance will cover them in the event of an accident. In most states, the auto insurance policy covering the vehicle is considered the primary insurance, which means that the owner's insurance company must pay for damages caused by an accident.
- Myth 7: Soldiers pay more for insurance than civilians. If you are in the military you actually qualify for a discount on auto insurance.
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 Myth 8: Personal auto insurance covers both personal and business use of your car. If you are self-employed and use your vehicle for business purposes, you may not be protected. While auto insurance geared for businesses can be more costly than a personal policy, one of the best ways to keep your auto insurance rates down is by having a good driving record.
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Travel Insurance
|  If you're traveling this season it would be wise to consider how your insurance coverage might be affected. A travel insurance policy provides excellent coverage for you and your trip, saving you money and hassle. Get a quote on several affordable travel insurance plans through D.F. Dwyer Insurance.
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For Our Valued Commercial Clients...
Your Business is Our Business
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We value all of our clients, but we're always happy to promote the businesses of our commercial clients.We've added a new 'Featured Client' section to our website and e-newsletter, where each month, we'll showcase one of our commercial clients. If you're one of our valued commercial clients, email us a photo, a brief description of your business (150 words max.) and the link to your website and we'll contact you shortly about your submission.
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