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BEST AGAIN!
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National Fire Prevention Week: 10/4 - 10./10
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Archived Articles:
HALLOWEEN from THE VAULT
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October Events & Holiday Observations
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FOR OUR VALUED COMMERCIAL CLIENTS
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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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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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Protect Your Home from Mold
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There may be something scarier than ghosts and ghouls lurking in your house this month... not everything green is a goblin!
When it comes to keeping your home mold-free, a strong offense is definitely your best defense. To prevent mold, eliminate moisture from your home and be on the lookout for signs of possible growth, such as musty smells or watermarks on walls and ceilings. Caught early, mold can usually be removed by a thorough cleaning with bleach and water. To prevent mold from re-growing, however, it is essential that the source of the moisture be eliminated and the affected area properly dried, cleaned, and if necessary, replaced. Also, remember to bag and dispose of any material with moldy residue such as rags, paper or debris.
Mold, like rot and insect infestation, is generally not covered by a homeowners insurance policy. Standard homeowners policies provide coverage for disasters that are sudden and accidental. They are not designed to cover the cost of cleaning and maintaining a home. If, however, mold is the direct result of a covered peril such as a burst pipe, there could be coverage for the cost of eliminating the mold.
According to the Centers for Disease Control and Prevention (CDC), mold is everywhere. It grows year-round and can be found both indoors and outdoors. Outdoors, mold is commonly found in shady, damp areas and in soil. Indoors, it can be found where humidity and moisture levels are high, such as in basements, kitchens, bathrooms and on ceilings and wall interiors where water from leaky pipes, roofs or windows can accumulate. While most molds pose no threat to humans, the CDC warns that certain molds can produce hay fever-like allergic symptoms. If you or your children have symptoms associated with mold, see a physician. Keep in mind, that many symptoms associated with mold exposure are common to other illnesses. To help prevent the growth of mold in your home... read more / download.
If you have any questions regarding your homeowners insurance, call us at 401-846-9629 or email me. We're here to help!
Some content: Insurance Information Institute © 2015
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Farm-A-Day Facebook Series: 10/7 - 10/31
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October is harvest time in Rhode Island! Just some of the fresh grown produce you may purchase or even pick yourself locally includes: All types of beans, beets, eggplant, okra, peas, potatoes, pumpkins, sweet corn, apples, cranberries, melons, pears, watermelon, brussels sprouts, cabbage, cauliflower, celery, cucumber, fresh garlic, kale, leeks, lettuce, onions, peas, peppers, potatoes, turnips, squash, blueberries, and raspberries. This month, our Farm-A-Day Series will profile 24 local farms where you can get the best of the best that our area has to offer! Follow us and our local farms on facebook.
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Did You Know?
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D.F. Dwyer proudly insures many 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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Why Should I Buy Life Insurance?
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As controversial as Columbus' accomplishments have become, one thing remains the same... when he set out to find a new world nothing was certain.
And such is life...
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:
- Replace income for dependents
If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children.  However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.
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Pay final expenses
Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance. -
Create an inheritance for your heirs
Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries. - Pay federal and state "death" taxes
Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal "death" tax rules between now and January 1, 2011 will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level "death" taxes. -
Make significant charitable contributions
 By making a charity the beneficiary of your life insurance, you can make a much larger contribution than if you donated the cash equivalent of the policy's premiums. - Create a source of savings
Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner's request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of "forced" savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if is paid as a death claim).
Some Content: Insurance Information Institute ©2015
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Sky Watch: October 2015
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 The Full Super moon on 10/27, will be located on the opposite side of the Earth as the Sun and its face will be will be fully illuminated. The Moon will be at its closest approach to the Earth and may look slightly larger and brighter than usual. This is the last of three super moons for 2015. On 10/28 there will be a rare 3 planet conjunction of Venus, Mars, and Jupiter. The three planets will form a tight 1-degree triangle in the early morning sky. Look to the east just before sunrise for this spectacular event. |
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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: October 2015
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 Temperature 59° (3° above avg.); precipitation 5" (1.5" above avg.); Oct 1-7: Sunny, warm; Oct 8-13: Rain, then sunny, cool; Oct 14-19: Rainy periods, mild; Oct 20-25: Sunny, cool north; showers, warm south; Oct 26-31: Rainy periods, turning cooler.
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Up, Up and Away!
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If you're taking off on an autumn trip, travel insurance can help you to relax and really enjoy your vacation. Get quick quotes on affordable travel insurance coverage through
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