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The Votes Are In!
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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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April Events & Observances
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AN APP FOR THAT!
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Do you have the right insurance coverage if your home and belongings are damaged or destroyed by a fire, flood, earthquake, or other catastrophe? Getting the peace of mind that comes with insurance isn't rocket science; it's about knowing your stuff, knowing the risks involved and understanding your priorities. The Know Your Coverage app features interactive quizzes that guide you through key questions to discuss with us. Together, we can work out a coverage plan for your needs and budget. But it's not just about stuff... with the right amount and type of insurance, you can focus on what really matters-- your work, family, friends and hobbies-without having to worry about the "what-ifs" in life.
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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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Homeowners:
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Take A Good Look Around Your House This Spring
Your house has been your refuge this winter, sheltering you from countless storms. Now that the weather has broken, it's time to get outside into the fresh air and sunshine and give your house some love. Here's a short list of projects that you and your house will feel really good about from top to bottom, inside and out...
Top
Your gutters may have plenty of build up of leaves and branches, clear them out and look also at downspouts to be sure that water can run away from your home. While cleaning the gutters, take in the view, how does the roof look? Are there tree limbs brushing against your house? Our trees have taken a winter beating too-- look for broken limbs and branches that may not have fallen to the ground... yet. Late Winter /early Spring is the best time to prune trees.  Not only does it give the cuts the longest time in which to heal before the following winter, it is easier to see what you are doing before the foliage fills in and there will be less to clean up. Look also at limbs overhanging abutting properties, consider your neighbors when pruning, they may not enjoy shade or sunshine as much as you do and might want overhanging limbs trimmed back more or less than you think. If you do it yourself, make a game plan with safety in mind!
Bottom
Walk the perimeter of your home; inspect the foundation, both outdoors and in the basement. Notice any mold that may be starting to bloom with moisture from spring rains. It's a good time to check your HVAC systems, and change filters recommended by your owner's manuals. If you spot anything out of order with your roof, foundation, or HVAC systems, enlist a licensed contractor to assess damage and provide estimates for repairs
Inside & Out
 Was your home drafty this winter? Simple solutions range from weather stripping, to insulated draperies, new windows and doors. Spring is the best time to address these leaks while they are fresh in mind. You will also benefit by sealing your home now to keep the cold air IN this summer when you turn on the air conditioning.
Finally, protect it all with the proper homeowner's insurance coverage. Call us at 401-846-9629 for a free policy review; we'll inspect your coverage from top to bottom, inside and out. We're always here to help!
Read & download the full article here
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Spring Vacation Plans?
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 If you're traveling this month, insurance coverage can help to keep you happy! A travel insurance policy provides coverage for you and your trip, saving you money and hassle. Get quotes on affordable travel insurance plans through D.F. Dwyer.
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It's Pothole Season!
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Are You Covered?
 The good news is, yes, pothole damage is usually covered-providing you have collision coverage. Collision coverage, an optional portion of a standard auto insurance policy, covers damage to a car resulting from a collision with an object (e.g., a pothole, lamp post or guard rail), another car or as the result of flipping over. However, it does not cover wear and tear to a car or its tires due to bad road conditions.
Collision coverage is generally sold with a deductible-- the higher your deductible, the lower your premium. Your collision coverage will reimburse you for the costs of repairing your car, minus the deductible.
Collision insurance is different from comprehensive insurance, which is also an optional coverage. Comprehensive coverage reimburses drivers for theft, vandalism, flooding and damage from fallen objects, such as trees. A driver who hits another car, or a pedestrian, due to a pothole also will be covered by liability insurance, which is required to drive legally in every U.S. state except New Hampshire. Liability coverage applies to injuries that you, the policyholder or designated driver, cause to someone else.
So good luck dodging and weaving around the potholes out there, but if you miss remember your collision insurance has got you covered!
Read and download the full article here.
Call us at 401-846-9629 with your questions;
we're always here to help!
Some Content: International Risk Management Institute, Inc. * * * * *
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What's Your Sign?
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 Find Out What Nationwide's Road Sign Horoscope Says About You...
There's a lot to take in while driving a car: the scenery, the movement of vehicles around you, and the hundreds of road signs that provide small but vital pieces of information. Though they're easily overlooked, road signs make safe, organized travel possible. The messages on the signs that you pass every day don't have to be restricted to vehicles-they can also offer advice just as well as any daily horoscope. You already know your zodiac sign, but what's your road sign?
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Nationwide Agribuisness Insurance
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D.F. Dwyer Agency, a Nationwide Agribusiness Insurance partner would like to be a valued resource for your local farm-based business. Give us a call at 401-846-9629 for a complimentary policy review, then subscribe to our new Farm E-Newsletter with specific features and information to help you protect your locally grown business.
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Farmer's Almanac Forecast: April 2015
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Temperature 53° (1° above avg.); precipitation 2.5" (1" below avg.); Apr 1-5: Showers, then sunny, cool; Apr 6-8: Sunny north, heavy rain south; Apr 9-11: Sunny, warm; Apr 12-17: Rainy periods, cool north; showers, warm south; Apr 18-25: Sunny north, scattered t-storms south; warm; Apr 26-30: Scattered showers, cool.
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Skywatch: April 2015
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 The full moon on 4/4 was known by early Native American tribes as the Full Pink Moon because it marked the appearance of the moss pink, or wild ground phlox, which is one of the first spring flowers. A total lunar eclipse will occur this night when the Moon passes completely through the Earth's dark shadow, or umbra. During this type of eclipse, the Moon will gradually get darker and then take on a rusty or blood red color. The Lyrids Meteor Shower will be visible on 4/22-4/23, producing about 20 meteors per hour-- some may produce bright dust trails that last for several seconds. The best viewing will be from a dark location after midnight. Meteors will radiate from the constellation Lyra, but can appear anywhere in the sky.
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