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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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May Events & Observances
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5/5-5/17
Welcome the boats as they cross the Newport finish line, sign-up for arrival time Text Alerts.
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SKYWATCH
MAY 2015
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On 5/7 the planet Mercury reaches its greatest eastern elongation from the Sun, this is the best time for viewing, look for the planet low in the western sky just after sunset. On 5/23, Saturn at opposition will be at its closest approach to Earth and its face will be fully illuminated by the Sun. It will be brighter than any other time of the year and visible all night long. A medium-sized or larger telescope will allow you to see Saturn's rings and a few of its brightest moons.
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FARMER'S ALMANAC
FORECAST
MAY 2015
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Temperature 65° (3° above avg.); precipitation 3" (2" above avg. north, 2" below south); May 1-4: Scattered showers, turning hot; May 5-9: Showers, turning cool; May 10-19: Scattered t-storms, warm; May 20-26: Sunny, turning hot; May 27-31: Rain and mist north, scattered t-storms south; turning cool.
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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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Spring Cleaning For Your Insurance Policies:
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Update What You Need, Eliminate What You Don't
Spring may be the traditional time of year for cleaning out closets and drawers and organizing attics, but it is also a great time to review your insurance coverages. As your life changes, so do your insurance needs, take the time to read your policies and ask yourself the following key questions:
- Do I have enough coverage for expensive items?
 Have you acquired jewelry, artwork or other collectibles since your last policy review? Had your valuables appraised? Made or updated your home inventory? Standard homeowners polices have dollar limits for the theft of certain expensive items like jewelry, furs and silverware. This means that you are covered only for a specific dollar amount, generally just $1000-$2000. Consider a special personal property endorsement or floater to insure your possessions to their full dollar value. This coverage includes "accidental disappearance" if you loose an item-- and there is no deductible. As values are based on appraised value, it is important to have periodic reappraisals done to be sure that you have the amount of coverage needed in case of a loss. Learn more about Insuring Your Family Treasures
- Is my home covered for its rebuilding cost?
 If you have made major improvements to your home such as adding a new room, enclosing a porch or expanding a kitchen or bathroom, you may be underinsured. Do you have a separate flood insurance policy? Now is a good time to determine if your home is in a flood risk zone at: FloodSmart.gov.
- Do I need comprehensive / collision on my car?
If you are driving an older car that is worth less than $1000- or less than 10 times the insurance premium-the optional coverages may no longer be cost-effective. You can save money on your premium by dropping either comprehensive or collision.
- Have I enough liability insurance to fully protect my assets?
 Standard homeowners and auto policies liability coverage, pay for judgments against you and your legal fees up to a set limit in the policy. However, in our litigious society, you may want additional protection. An umbrella policy kicks in when you reach the limit of the underlying coverage of your homeowners, renters, condo or auto policy. If your assets have increased, you may want to consider this extra layer of protection. Learn Who Needs Umbrella Insurance?
- What kind of a vacation will I be taking this year?
 If you are taking an expensive, pre-paid, or active vacation, travel insurance can help protect the financial investment in your trip. Learn More: Travel Insurance Primer and Get A Quote
- What if I rent out my house during my vacation?
Whether you own a second home that you plan to lease to a tenant, or want to rent your primary residence through an online service, your first step should be to call your insurance professional. Depending on the rental scenario, your standard homeowners policy may not cover losses incurred while your home is rented out and you may require a more specialized insurance policy. Read more on this below...
We can help you "clean-up" your coverage... just give us a call at 401-846-9629 for a free policy review.
We're always here to help!
Read & download the full article here
Some content: Insurance Information Institute, Copyright 2015
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Gearing Up for Your Vacation?
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 If you're planning a get-away this season, insurance coverage can help to keep your vacation rolling! 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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Ready to Cast Off? Sailing Season Starts Now!
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 Many of us are busy preparing our boats to head out and welcome the Volvo Ocean Race fleet to Newport this week. But before you go, don't forget to review your seasonal safety procedures, equipment and your boat owner's insurance policy. 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 bottom paint to dry... give us a call at 401-846-9629 for a free boat owners policy review . Boating Resources
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Rental Property Insurance:
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For the Long & Short Term
 There are many reasons why you may want to rent out your home on either a short- or long-term basis. Having the proper coverage for your property depends on the type of rental you set-up.
Short-Term / Primary Home:
If you are planning to rent out all or part of your primary residence for a short period of time, for instance, a week or several weekends, there will likely be two insurance scenarios.
- Some homeowners policies cover a short-term rental, others require an endorsement to provide coverage.
- If you plan to rent out your primary residence for short periods, but on a regular basis, to various 'guests', this activity constitutes a business. Standard homeowners insurance policies do not provide coverage for business activities conducted in the home. To be properly covered you will need a business policy-- specifically a hotel or B & B policy.
Long-Term / Second Home:
If you are planning to rent out your home for a longer period of time, such as six months or a year, to one person, couple or a family, you will likely need a landlord or rental dwelling policy. Landlord policies generally cost about 25% more than a standard homeowners policy because landlords need more protection than a typical homeowner. If you are renting out a vacation home or investment property, this would also require a landlord or rental dwelling policy.
 Landlord Policies provide coverage for any physical damage to the structure of the home caused by fire, lightning, wind, hail, ice, snow or other covered perils. It also offers covers personal property you leave on-site for maintenance or tenant use, like appliances, lawnmowers and snow blowers. The policy also includes liability coverage; if a tenant or one of their guests gets hurt on the property, including legal fees, due to injury claims, and medical expenses. Additionally, most landlord policies provide coverage for loss of rental income if you are not able to rent the property while it is being repaired or rebuilt due to damage from a covered loss. This coverage is for a specific period of time.
Renters Insurance:
As the landlord, your coverage is only on the structure itself and your financial interest in it. Your tenant's personal possessions are not covered under your policy. In order to avoid disputes in the event of damage to the renter's belongings, many landlords require a tenant to buy renters insurance before signing a lease.
Read and download the full article here.
Call us at 401-846-9629 with your questions;
we're always here to help!
Some Content: Insurance Information Institute, Copyright 2015
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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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