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The Votes Are In!
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CONTACT US:
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D.F. Dwyer Insurance
38 Bellevue Avenue
Newport, RI 02840
and
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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| Get the News! | 
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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:
DECEMBER
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12/21
The Winter Solstice
- is the darkest day of the year when the Sun reaches its most southern point in the sky at local noon. After this date, the days start getting "longer," as the amount of daylight increases.
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Issue: # 45
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December 2013
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Season's Greetings!
|  As the holidays approach, we'd like to express our gratitude to our clients and friends for their years of loyalty and kindness. Our commitment to serving our customers is at the heart of our mission, and it's with great pleasure that we're able to be a trusted resource for so many local community members. With sincerity, we wish you and your family a happy and healthy holiday season! |
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Is Your Home Ready for A Cold, Snowy Winter?
With the first snowfall of the season already behind us, the Farmer's Almanac prediction for a colder than normal winter with above average snowfall in our area is looking right on-target. It's not too late to take a few steps to protect your home from freezing temperatures, snow and wind.
Outside Your Home:
- Clean out gutters
- Install gutter guards
- Trim trees and remove dead branches
- Repair steps and handrails
- Seal cracks and holes in outside walls and foundations
Inside Your Home:
- Keep the house warm
- Add extra insulation to attics, basements and crawl spaces
- Have the heating system serviced
- Check pipes
- Install a pressure release valve in your plumbing system
- Make sure that smoke and fire alarms are working properly
- Learn where and how to shut the water off
- Hire a licensed contractor to look for structural damage
- Have someone check on your home if you will be away for an extended period of time
Call us at 401-846-9629, for a free policy review;
we'll explain it all to you!
Content: Insurance Information Institute
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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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15 Questions to Consider When...
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Selecting Health Insurance Coverage
 With all of the controversy surrounding the Health Insurance Reform Act, the big picture may be obscured. The overarching goal is for each of us to have the appropriate health insurance coverage to fit our present circumstances, budget and time of life.
Whether your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial to understand your health insurance choices and pick the insurance that is best for you and your family. Here are 15 questions to ask yourself when choosing a plan: How affordable is the cost of care? - What is the monthly premium I will have to pay?
- Do I insure most of my medical expenses or just large ones?
- What deductibles will I have to pay out-of-pocket before insurance starts to reimburse me?
- After I have met my deductible, what percentage of my medical expenses are reimbursed?
- How much less am I reimbursed if I use doctors outside the insurance company's network?
Does the plan cover the services I am likely to use? - Are the doctors, hospitals, laboratories and other medical providers that I use in the insurance company's network?
- Will the plan permit me to use out-of-network providers?
- How easily can I change primary-care physicians?
- Do I need permission before I see a medical specialist?
- What are the procedures for getting care and being reimbursed in an emergency situation, at home and away?
- Will the plan cover a preexisting medical condition?
- If I have a chronic condition such as asthma, cancer, AIDS or alcoholism, how will the plan treat it?
- Are my prescription medicines covered by the plan?
- Does the plan reimburse alternative medical therapies such as acupuncture or chiropractic treatment?
- Does the plan cover the costs of delivering a baby?
Article Content 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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Farm Insurance
|  Did you know that D.F. Dwyer Insurance 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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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 usa 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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Farmer's Almanac Forecast: December 2013
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Winter will be colder and drier than normal, although snowfall will be above normal in most of the region. The coldest periods will be in early and mid- December and in early to mid-February. The snowiest periods will be in early and mid-December, and in early and mid-February. Average December temperature 35° (4° below avg.); precipitation 2" (1" below avg.). 1-5: Sunny, very cold; 6-11: Rain to snow, then sunny, cold; 12-16: Rain and snow north, rainy periods south; 17-19: Sunny, very cold; 20-23: Snow to rain, then sunny, cold; 24-29: Rain and snow, then sunny, cold; 30-31: Rain and snow north; sunny, cold south.
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