BEST AGAIN!
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FARMER'S ALMANAC FORECAST: JUNE
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Temperature 71.5° (1° below avg. north, 2° above south); precipitation 2.5" (1" below avg.); Jun 1-4: Sunny, hot; Jun 5-9: T-storms, cool; Jun 10-15: Showers, cool north; t-storms, hot south; Jun 16-17: Sunny; Jun 18-22: T-storms, then showers, cool; Jun 23-26: Drizzly, cool north; t-storms, hot south; Jun 27-30: T-storms, then nice.
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THERE'S AN APP FOR THAT!
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Make your home safer with room-to-room checklists and links to recommended products. Create to-do lists, reminders and track progress. This app was developed by safety experts at Nationwide Children's Hospital.
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SUMMER SAFETY Off-Site Resources:
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SUMMER SAFETY Archived Features:
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June Events & Holiday Observances
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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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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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Welcome Summer!
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School will soon be out and our children are eager to enjoy playing outdoors after the long, cold New England winter. Some of childhood's best memories are made while simply playing in the back yard, but safety hazards can lurk close to home too. While we can't protect our kids from everything, there are many playtime accidents that can be avoided with a bit of forethought and now there's an app to help with that-- Nationwide's Make Safe Happen.
We hope you will read and share this newsletter with other parents, grands, aunts and uncles as we've packed it with numerous Summer Safety resources including links to many of our archived feature articles and authoritative off-site links.
As always, please email me or call 401-846-9629 with any questions about your insurance coverage or for a complimentary policy review. We're here to do what's best for you, our valued clients!
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Kids Outdoors: Play It Safe!
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Playing outside is a wonderful way for children to get the fresh air they need-- and a great way for families to spend time together. But there are many household and playtime hazards right in your backyard. Keep it safe and fun with these simple yard safety tips.
Car Safety:
- Teach kids not to play around cars.
- Prevent heatstroke in cars by locking the car when you're not using it. Make sure all keys and remote entry fobs are out of children's sight and reach.
- Show older kids how to locate and use the glow-in-the-dark emergency trunk release, so that they know what to do in case they do become trapped. Before getting into your car, check to make sure there are no children under or behind the car. If children are outside, have them stand away from the car with another adult until you have left the driveway.
- When possible, park your car so that you can pull forward, instead of having to back out. If you need to back out, check all mirrors, and do so carefully.
- Try not to use the driveway for play. It is better to find a safe spot for your child that is away from all parked or moving cars.
- Pick up any toys, bikes, chalk, or other play items near the driveway that could attract children.

Bike Safety:
- Children should ALWAYS wear a helmet when riding, skating or scooting. Make sure you child is wearing the right size helmet, and
look for the label that states the product is approved by the U.S. Consumer Product Safety Commission. - Bring your child with you when shopping for a bike. Buy the bicycle that fits your child now, not one he or she will grow into.
- Make sure the bicycle's reflectors are secure, the brakes work well, the gears shift smoothly, and the tires are on tightly and properly inflated.
- Children younger than 10 should ride only on sidewalks, bike paths or in parks. Only when your children fully understand the traffic rules, should they be allowed to bike in the street.

Water Safety:
- Drowning can happen in seconds, and in just an inch of water, so give children your full attention, and avoid doing other things at the same time, like reading or talking on the phone, when in and around the pool.
- Put away all pool toys after kids are done swimming, so young children are not tempted to reach for them.
- After use, empty inflatable or portable pools, and store upside-down, and out of children's reach.
- Install a fence at least 4 feet tall around all sides of the pool, so that it's enclosed and restricts access. Place self-closing, self-latching locks on all doors and gates that lead to the pool area.
- Use a pool cover for pools, and a hard cover and lock on all hot tubs.
Download this article here
Content: Nationwide Insurance, "Make Safe Happen" Copyright 2015
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Bicycle Safety & Insurance
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Aquidneck Island is becoming an increasingly bicycle-friendly place to live thanks to street improvement projects and volunteer groups including Bike Newport. None-the-less, it is important to know the rules of the road and to protect yourself, your family and your bicycles with the proper equipment and insurance coverage.
Bicycles are covered under the personal property section of standard homeowners and renters insurance policies. This coverage will reimburse you, minus your deductible, if your bike is stolen or damaged in a fire, hurricane or other disaster listed in your policy.
If you are purchasing a new bike, keep the receipt and call your insurance agent; if you own an expensive bicycle, you may want to consider getting an endorsement that will provide additional coverage. There are two types of coverage for personal property... read more.
Homeowners and renters insurance policies also provide liability protection for harm you may cause to someone else or their property. If you injure someone in a bicycle accident and he or she decides to sue, you will be covered up to the limits of your policy. Your homeowners or renters insurance also includes no-fault medical coverage... read more
To make filing a claim easier, we suggest the following:
- Save your receipts for everything including helmet, patch kits, pumps and other essentials
- Add your bike and related items to your home inventory
Of course the best protection of all is to keep your bike secure:
- Always lock up your bike, even if it is in your garage, an apartment stairwell, or a college dormitory.
- Lock your bicycle to a fixed object like a parking meter or permanent bike rack in a visible, well-lit area.
- Consider using a U-lock and position the bike frame and wheels so that they take up as much of the open space within the U-portion of the lock as possible and position so that the keyway is facing down towards the ground.
- Do not lock up your bicycle in the same location all the time. A thief may notice the pattern and target you.
- Register your bike with the National Bike Registry.
It is even more important to keep yourself and your family safe while you are riding. The National Highway Traffic Safety Administration suggests that cyclists follow these seven rules:
1. Protect Your Head
Never ride a bike without a properly fitted helmet.
2. Assure Bicycle Readiness
Ride a bike that fits you and check all parts of the bicycle to make sure they are secure and working well.
3. Follow the Rules of the Road
Bicycles are considered vehicles on the road; therefore riders must follow the same traffic laws as drivers of motor vehicles.
4. Act Like a Driver of a Motor Vehicle
Always ride with the flow of traffic, on the right side of the road, and as far to the right of the road as is practicable and safe.
5. Be Visible
Assume you are not seen by others and take responsibility for making yourself visible to motorists, pedestrians and other cyclists.
6. "Drive with Care"
When you ride, consider yourself the driver of a vehicle and always keep safety in mind. Ride in the bike lane, if available. Take extra care when riding on a roadway. Courtesy and predictability are key to safe cycling.
7. Stay Focused. Stay Alert
Never wear headphones as they hinder your ability to hear traffic. Be aware of your surroundings and ride defensively.
Download full article here
Content Courtesy: Insurance Information Institute
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To Our Valued Commercial Clients...
It's Your Time to Shine!
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We value all of our clients, but we're always happy to promote the businesses of our commercial clients. We endeavor to showcase 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 appearance!
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Farm & Agribusiness Insurance
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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 offer agritainment activities... we want to help you to continue to be successful. We insure all types of farms 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.
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Sky Watch: June 2015
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 The Full Moon on 6/2 was known by early Native American tribes as the Full Strawberry Moon because it signaled the time of year to gather ripening fruit. On 6/6, Venus reaches its highest point above the horizon in the evening sky; look for the bright planet to the west after sunset. The Solstice occurs on 6/21, signaling the first day of summer in the Northern Hemisphere and the first day of winter in the Southern Hemisphere. On 6/24, Mercury reaches its greatest western elongation, this is the best time to view the planet low in the eastern sky just before sunrise.
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