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The Votes Are In!
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BOAT THEFT...
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is more common than you might think. View this quick video for a few ounces of prevention.
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May Events & Holiday Observances
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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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PLANNING A TRIP?
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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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FARMER'S ALMANAC FORECAST: MAY 2014
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Temperature 65° (3° above avg.); precipitation 2" (1" below avg.); 1-7: T-storms, then scattered showers, cool; 8-11: Sunny, nice; 12-16: Heavy rain, then sunny, cool; 17-20: Showers, then sunny, cool; 21-25: Sunny, warm; 26-31: Showers, then sunny, warm.
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Our 50th Issue!
|  Welcome to the 50th issue of our monthly e-newsletter! It is always our goal to bring you timely news that you can use, so with the season upon us, we've dedicated this issue to boating. As always, please email me or call 401-846-9629 with any questions about your watercraft coverage or for a complimentary policy review of any of your insurance plans throughout the year. |
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'Tis the Season... for Boating
|  With Memorial Day right around the corner many of us are busy preparing to splash our boats and head out onto our beloved Narragansett Bay. Along with your other commissioning chores and rituals, now is the best time to review your boat insurance policy, safety procedures and equipment. Whether your "yacht" is a racy run-about, a workhorse Boston Whaler or a classic wooden schooner, at Dwyer Insurance, we are avid life-long sailors with first-hand knowledge of all types of watercraft insurance coverage. So while you're waiting for that last coat of varnish to dry... give us a call at 401-846-9629 for a complimentary boat owners policy review.
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Ship Shape for Safety's Sake
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There are thousands of recreational boating accidents per year. Contributing factors to these accidents include traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and regulations, carelessness and inexperience. To prevent accidents, we offer these safety suggestions:
Care and protection of crew and guests
- Make sure that every person on board wears a life-jacket.
- Know and obey marine traffic laws, the "Rules-of-the-Road." Learn various distress signals.
- Keep an alert lookout for other watercraft, swimmers, floating debris and shallow waters.
- Pay attention to loading. Don't overload; distribute the load evenly; don't stand up or shift weight suddenly in a small boat; and don't permit riding on the bow, seatbacks or gunwales.
- Don't operate a boat under the influence of alcohol or drugs.
Care and protection of vessel
- Check weather forecasts before heading out.
- Let someone know where you are going and what time you expect to return.
- Check engine, fuel, electrical and steering systems, especially for exhaust-system leaks.
- Carry one or more fire extinguishers, matched to the size and type of boat. Keep them readily accessible and in condition for immediate use.
- Equip the vessel with required navigation lights and with a whistle, horn or bell.
- Consider additional safety devices, such as a paddle or oars, a first-aid kit, a supply of fresh water, a tool kit and spare parts, a flashlight, flares and a radio. Read More
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Check Your Boat Coverage Before Casting Off
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 Boat Insurance Primer
Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mph horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home's property value and generally includes the boat, motor and trailer combined. Liability coverage is typically not included-- but it can be added as an endorsement to a homeowners policy. Check with your insurance representative to find out if your boat is covered and the limits.
Larger and faster boats such as yachts, and personal watercraft such as jet skis and wave runners require a separate boat insurance policy. The size, type and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.
For physical loss or damage, coverage includes the hull, machinery, fittings, furnishings and permanently attached equipment as part of either an actual cash value policy or on an agreed amount value basis. These policies also provide broader liability protection than a homeowners policy. But there are distinct differences between the two types of policies. Read More
Content Source: International Risk Management Institute, Inc. (c)2014
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Have Questions About Your Boat Coverage?
Call 401-846-9629 for a policy review; we're here to help!
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Client of the Month: Jo's American Bistro
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Jo's American Bistro located on Memorial Boulevard West in the heart of Newport, offers a casual yet upscale setting. Their culinary philosophy is farm to table; they offer all natural meats with no hormones or antibiotics. Owner Joann Carlson has spent her whole life in the restaurant business, growing up with a restaurant as a family endeavor, she knows no other way to treat her guests but as family. Visiting Jo's American Bistro will seem as if you are sitting down to dinner at home, and there is something to be said for having an Italian mother and grandmother to teach you how to cook and entertain with love and passion. Executive Chef, Matthew Preble grew up on his family's North Kingstown (RI) farm. This is the origin of his passion for the highest quality of fresh, local food. His creativity and use of the finest ingredients are the perfect recipe for a meal you won't soon forget.
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It's "Just a Jet Ski" Right? Better Think Again!
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Personal Watercraft Insurance
Personal watercraft are not generally covered by homeowners or auto insurance, and where they are, the coverage limits can be low. You may need to purchase a specifically designed policy in order to insure these vessels. Personal watercraft policies cove r:
- Bodily injury
- Property damage
- Guest passenger liability
- Medical payments
- Theft
Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments, although these may vary from company to company. Liability limits start at $15,000 and can be increased to $300,000. This coverage will provide financial protection if your personal watercraft is involved in an accident. Most policies also include water sports liability, which covers risks associated with activities such as waterskiing. Consider buying an umbrella policy, which will provide more liability protection. One million dollars in extra coverage costs about $300 a year and would extend to your home and auto insurance policies. If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can be purchased for trailers and other accessories. Read More
Content Source: International Risk Management Institute, Inc. (c)2014
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Have Questions About Your Personal Watercraft Coverage?
Call 401-846-9629 for a policy review; we're here to help!
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Sky Watch: May 2014
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 Possible Outburst of Bright Meteors
Perhaps the most dramatic sky event in 2014 could come at the start of Memorial Day weekend. In the predawn hours of Saturday, May 24, our planet is expected to sweep through a great number of dusty trails left behind in space by a small comet (known as P/209 LINEAR). This unusual cosmic interaction might result in an amazing, albeit brief, display of meteors, popularly known as "shooting stars." There could be many dozens, or even hundreds, of meteors per hour, experts say. Source Space.com
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For Our Valued Commercial Clients...
Your Business is Our Business
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Did you notice our 'Client of the Month' section above? We value all of our clients, but we're always happy to promote the businesses of our commercial clients. Each month, we endeavor to showcase one of our valued business clients in this newsletter as well as on our website and Facebook page. If you're one of our 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 to schedule your submission!
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