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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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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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DRIVE CAREFULLY
on HALLOWEEN:
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Sunset will be at 5:41pm Thursday, October 31, many little ghouls and goblins will be canvassing our neighborhoods for treats after dark. Motorists need to remember that children may be distracted by all the costumes and candy. So, drive slowly and honk your horn on dimly lit streets to alert children who may not be paying close attention to vehicular traffic.
And watch out for youngsters crossing against the light, darting out from between parked cars and walking in the street.
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| Community Events |
October 2013 
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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:
OCTOBER
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Green Uranus reaches opposition at magnitude 5.7 in Pisces on the 3rd. It's an easy target with binoculars and faintly visible to the naked eye in dark skies, especially during this moonless period.
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Take the Fright Out of Halloween Tricks
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Your Insurance Policies Can Protect You If You Get More "Tricks" Than Treats This Halloween
A few basic safety steps, along with up-to-date homeowners and auto insurance policies, can take some of the fright out of possible Halloween related damage.
- Your home or car is the target of mischief
Standard homeowners and renters insurance policies provide coverage for vandalism. There will be a deductible before your policy starts to pay, but if you suffer expensive damage to your home or possessions you will be financially protected. In the event that your car is damaged by mischievous trick-or-treaters, there is coverage under the optional comprehensive portion of your auto insurance policy. - There is a fire in your home
If a Halloween candle or electrically powered decoration causes a fire, any damage will be covered by standard homeowners and renters insurance policies. If the fire is significant enough to make your home unlivable, you would also be covered for additional living expenses, such as having to check into a hotel while your home is being repaired. - A trick-or-treater is injured on your property
If a trick-or-treater or Halloween party guest is accidentally injured in your house or apartment, you would be covered under the liability portion of your homeowners or renters insurance policy, should the injured guest sue you. Standard policies also include a no-fault medical coverage so that the injured guest could simply file their medical claim with your insurance company and avoid a lawsuit. -
You crash your car into a tree to avoid hitting a child
Of course, we know you will drive slowly and carefully, but if a group of excited trick-or-treaters darts in front of your car causing you to swerve and hit a tree, you should be covered. Accidents that do not involve another driver or pedestrian are covered under the optional collision portion of an auto insurance policy. If another car or person is involved in the accident, the liability portion of your auto policy would kick in.
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Make your home safe for trick-or-treaters:
- Remove all objects around the outside of your house that may cause children to trip or fall.
- Turn your outside light on so children will know that they can visit your home.
- Keep candles, jack-o-lanterns, matches and lighters in a place that children cannot reach. Halloween candles with multiple wicks close to one another are hazardous and should not be used.
- Keep pets inside and away from trick-or-treaters and lit candles, especially if they are easily frightened or become over-excited in the presence of strangers.
- If using decorative lights indoors or outdoors, use lights certified by UL.
Article Content Courtesy: Insurance Information Institute
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Would You Like To Discuss Your Coverage?
Call us at 401- 846-9629; we're always here to help!
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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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Living Single? Protect Yourself with These Six Tips
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One benefit of being single is that your money is your own, to use as you see fit, so you have the freedom to decide which savings plans and investment vehicles are right for you. But you are also solely responsible for protecting yourself financially, and insurance should be at the top of the list. The I.I.I. suggests the following six ways to help you enjoy living the single life-securely.
- Life Insurance
As a single parent it is crucial to make sure your dependents will be financially secure in the event of your death, so life insurance should be a key element of your financial plan. However, even if you do not have dependents, life insurance can be an excellent way to pay your final expenses without burdening parents, siblings or other family members. A life insurance policy also enables you to leave a significant contribution to a charity you may want to support. - Disability Insurance
If you were disabled and unable to work as a result of an accident or illness, what would you do for income? Who would take care of you? Disability income insurance can replace lost income. - Long-Term Care
If you live alone and do not have the financial resources to pay for home health care, a nursing home or an assisted living facility, long-term care insurance can be a solution. In general, it's a good idea to buy this type of insurance well before you turn 60-- there is less chance you will be rejected, and the younger you are, the lower the premiums will be. - Homeowners and Renters Insurance
If you rent a house or apartment, your landlord's insurance will only cover the costs of repairing the building itself in the event of a fire or other disaster. If you do own a home, it is important to make sure you have the right amount and type of insurance. - Auto Insurance
You can often save money by buying auto and homeowners or renters insurance from the same insurer. Check with your insurance professional to see what discounts are available. - Retirement Income
If you are single, chances are you will need to be more self-reliant when it comes to investing for your retirement, as you may not have a spouse or children to step in and help out should you need that support in the future. Most single people will qualify for retirement income from Social Security, but is unlikely to be enough to pay for more than the bare necessities in retirement. - Other Things to Consider
Talk to your insurance professional about getting the best insurance protection for your specific needs and make sure that you are taking advantage of all available discounts. Keep in mind, in today's economy, good credit is more important than ever.
Read more details on each of these points here.
Article Courtesy: Insurance Information Institute
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Have Questions?
Call us at 401- 846-9629 for a policy review;
we're always here to help!
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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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