Voted Newport's Best
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 D.F. Dwyer Insurance 38 Bellevue Avenue
Newport, RI 02840
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2623 East Main Road
Portsmouth, RI 02871
phone: 401.846.9629
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Farmer's Almanac Forecast: March
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Average Temperature 41° (3° below avg.); precipitation 5" (1" above avg.); Mar 1-4: Sunny, cool; Mar 5-10: Rain to snow, then sunny, cold; Mar 11-16: Rainy, cool; Mar 17-21: Showers, mild; Mar 22-26: Stormy, rain coast; wet snow interior; Mar 27-31: Showers, cool.
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'Thumbs Up' for Dwyer Insurance!
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Skywatch: March
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On 3/5, the full moon will be directly opposite the Earth from the Sun and will be fully illuminated as seen from Earth. This full moon was known by early Native American tribes as the
Full Worm Moon
as it is the time of year when the ground would begin to soften and the earthworms would reappear. On 3/6, NASA's Dawn spacecraft will reach Ceres, the largest object in the asteroid belt between Mars and Jupiter. Ceres is 590 miles in diameter and is large enough to have a round shape. Because of its size and shape, it has officially been classified as a dwarf planet, which puts it in the same category as Pluto. Dawn will spend several months studying Ceres and will send back the first close-up images of a dwarf planet in our Solar System.
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Winter Thaw May Bring Spring Floods
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While many equate flooding with rainy conditions, winter weather and spring thaw can also lead to many flood risks. According to FEMA, areas that receive a lot of snow can see flood risks increase when it begins to melt. This year, the Northeast has seen record snowfall and ice jams, rapid snowmelt and intense rainstorms may follow, all of which lead to high chances of localized flooding.
A Standard Homeowner's Policy does NOT protect you from flood damage!
Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Policies provide coverage for buildings and contents. However, you should discuss insuring personal property with your agent, since contents coverage is optional. Typically, there is a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.
 What's Covered?
Flood insurance provides coverage for physical damage to your property and possessions. You can use the following list as a general guide to what is and isn't covered
Building Property:
- The insured building and its foundation
- Electrical and plumbing systems
- Central air conditioning equipment, furnaces and water heaters
- Refrigerators, cooking stoves and built-in appliances such as dishwashers
- Permanently installed carpeting over unfinished flooring
- Permanently installed paneling, wallboard, bookcases and cabinets
- Window blinds
- Detached garages (up to 10 percent of building property coverage); detached buildings (other than garages) require a separate building property policy
- Debris removal
What's Not Covered:
- Damage caused by moisture, mildew or mold that could have been avoided by the property owner
- Currency, precious metals and valuable papers such as stock certificates
- Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs and swimming pools
- Living expenses such as temporary housing
- Financial losses caused by business interruption or loss of use of insured property
- Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy)
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Count Your Chicks With Confidence
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Whether you are a grower of fruit, vegetables, herbs, flowers or trees, raise live stock or poultry, produce dairy or eggs, operate a wholesale nursery, farm stand or agritainment activities... we want to help you to continue to be successful. We insure all types of farm and farm activities. Call us at 401-846-9629, let's discuss how D.F. Dwyer Agency can be a valued partner to your farm-based business. Learn More Here.
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Out of Site, Out of Mind, But Not Out of Coverage
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Insuring Belongs Stored Off-Site-- And Tips For Choosing A Safe Self-Storage Facility
 Self-storage units are a useful way to de-clutter your home, and according to the Self Storage Association
(SSA) one out of every 10 households in the United States currently rents some kind of storage unit. According to the Insurance Information Institute, if an item is valuable enough that you are willing to pay for storing it, you should be careful to protect it with the proper amount and type of insurance. Even in the best-managed storage facilities, theft, fire and other disasters can-and do-occur. It is important to find out what types of losses will be covered by the storage facility and whether you need supplemental insurance.
Having the proper coverage is the best way to financially protect your belongings-no matter where they are. - Ask About Off-Premises Coverage: Some standard homeowners and renters insurance policies include coverage for personal possessions kept off-premises including in a storage facility.
- Find out what financial protection is provided by the storage facility:
Most facilities provide reimbursement based on the square footage of the unit. Check both the coverage limits and whether it is provided on an actual cash value or replacement cost basis.
- Consider special insurance or storage for expensive items: If you intend to store valuable property, such as art, antiques, jewelry or furs, there may be dollar restrictions under your standard homeowners or renters insurance policy for theft. Ask your insurance professional about adding a floater or endorsement to your policy in order to fully cover these items.
- Create an inventory of items to be kept off-premises: Add the items you're moving to the storage unit to your home inventory so that you can keep track of your belongings and make sure you have the right amount of insurance to protect them.
Tips for Choosing A Storage Company - Look for a secure facility
- Look for a unit with climate control
- Consider a storage company that offers insurance
- Check that the facility is clean and well maintained
Questions? Call us at 401-846-9629...
We're always here to help!
*Information courtesy of the Insurance Information Institute- www.iii.org
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Travel Insurance Protects Your Vacation!
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If you're traveling this month, insurance coverage can provide peace of mind and help to keep your vacation on track! A travel insurance policy provides coverage for you and your trip, saving you money and hassle. Get quotes on travel insurance plans through D.F. Dwyer Insurance.
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For Our Valued Commercial Clients...
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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 (250 words max.) and the link to your website and we'll contact you shortly about your submission.
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