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BEST AGAIN!
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Archived Articles:
HURRICANES WARNINGS!
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Archived Articles:
BACK TO SCHOOL
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September Events & Holiday Observations
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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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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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Issue: # 66
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September 2015
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Put Insurance On Your
Back to School Insurance Check List
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Back-to-school isn't just the time of year when you rejoice at having your house back, and a regular routine in place. It's also the time to review your insurance needs because a change in a child's grade level, a teenager getting their driver's license, or even having a college freshman in the family can all require changes in auto, health, or homeowners coverage.
 Auto Insurance
Health Insurance
All kids should have physicals before they begin school. Health insurance may need to be reevaluated if you have a child with a chronic health issue, like asthma or diabetes, or a child involved in sports. In some cases, schools require proof of coverage for student athletes. College students may have the option of subscribing to college-provided health insurance (for a fee) and campus-based health care.... read more  Homeowners Insurance If your child is studying music or recently acquired a new computer, check to make sure the coverage for contents of your home includes these items - you may have to expand the coverage. Similarly, if you have a son or daughter going off to boarding school or college, you may need to add enough homeowners insurance coverage to account for their belongings at school... read more
At D.F. Dwyer, we can adjust your coverage to grow with your family as your family grows! Call us at 401-846-9629 or email me, let's talk about family and review your policies this week... we're here to help!
Some content: Insurance Information Institute © 2015
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Did You Know?
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D.F. Dwyer proudly insures many of Aquidneck Island''s fine charitable organizations? We have a rich history of working with many not-for-profits in and around Newport County. Serving on Executive Boards, Event Committees and as Volunteers has given us a thorough understanding of the challenges faced by non-profits as they strive toward their missions. Call us at 401-846-9629, let us help you obtain the correct, cost-effective insurance coverage for your non-profit organization. We're here to help!
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Back To School On A Budget
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 At D.F. Dwyer Insurance, we're parents too, so we understand the financial challenges faced by families when children head off to college. In addition to tuition, room, board, books and other living expenses according to the Project on Student Debt, the average college student graduates with $24,000 in debt. But a little planning can make a big difference. Share these tips with the college students you know to get the semester off to a good start:
10 Money-Saving Tips for College Students- Do the math. Use your money for rent, bills and groceries first. Then look ahead to upcoming expenses to see what you need to save for. This will give you a reality check on how much you have for new clothes and going out.
- Pay on time. Make a habit of paying your bills on time, every time, to avoid late fees. If your bank offers online bill pay, sign up to save time and stamps.
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Check your balance. Keep up with your spending by checking your account balance regularly.
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Protect your identity. College students are easy prey for identity thieves. If you use a public computer or network log out of your account completely and clear the cache on the web browser.
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Wait to buy your textbooks. Hold off until you have a syllabus in hand, then shop online for "open textbooks" or print as you go using a service like iChapter.
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Use your student discount. Before you buy anything, find out if there's a student discount for it. You can save money on everything from movie tickets to a new computer.
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Get the right meal plan. Start with a smaller plan to figure out how many meals you really eat at the commons.
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Participate. Colleges offer regular social events and entertainment, which often come with free food. Take them up on their hospitality.
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Buy your own T-shirt. Signing up for a credit card just to get a T-shirt is not a good idea. If you need a credit card, research the interest rates and rewards before you commit.
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Leave the car. Most campuses are pedestrian friendly, and the cost of gas is high. Ask your insurance agent if this could save you money on your car insurance, too.
Some Content: Nationwide Insurance ©2015
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To Our Valued Commercial Clients...
It's Your Time to Shine!
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We'll feature your business here in our monthly E-Newsletter, on the home page of our website and within posts on our Facebook page for an entire month!
If you're one of our valued commercial clients, call us at 401-846-9629 or 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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Sky Watch: September 2015
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 The Autumnal Equinox occurs on 9/23 when the sun shines directly on the equator making for equal amounts of day and night throughout the world. On 9/28, the "Super Moon" will look larger and brighter than usual due to its close approach to Earth. This Harvest Super Moon coincides with a total lunar eclipse as it passes completely through the Earth's dark shadow, or umbra. During this type of eclipse, the Moon will gradually get darker and take on a rusty or blood red color, also known as the Super Blood Moon. |
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Farm & Agribusiness Insurance
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It's time to reap the benefit of what you've carefully sown and grown... we can help you to protect your investment! 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 host agritainment activities... we want to help you protect your success. 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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Farmer's Almanac Forecast: September 2015
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 Temperature 70° (3° above avg.); precipitation 2" (1.5" below avg.); Sep 1-3: A few showers, turning warm; Sep 4-10: Rainy periods, cool north; sunny, hot south; Sep 11-19: T-storms, then sunny, hot; Sep 20-25: T-storms, then sunny, cool; Sep 26-30: Showers, then sunny, cool.
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Leaf Peeping?
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If you're gearing up for an autumn trip, travel insurance can help you to relax and really enjoy your vacation. A cost-effective plan can protect you from inconvenience, expense and headaches! Get quick quotes on affordable travel insurance coverage through
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