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The Votes Are In!
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January 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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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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Farmer's Almanac Forecast: January 2016
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 Temperature 32° (3° below avg.); precipitation 2.5" (1" below avg.); Jan 1-5: Snow showers, cold; Jan 6-14: Snow, then flurries, very cold; Jan 15-19: Periods of rain and snow north, rain south; mild; Jan 20-28: Snow showers, cold; Jan 29-31: Heavy rain and snow. |
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Happy New Year!
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With 2016 upon us, taking better care of our families and saving money top many January "To Do" lists. Spending a bit of time assessing your current insurance policies, switching to a new policy or identifying a new discount on your current policy can provide positive steps toward both of these resolutions.
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New Year's Insurance Check List
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Motor Vehicles: Look carefully at each coverage level and decide if the amount is appropriate for your current situation. You can find out the minimum levels required by your state or finance company, while considering your ability to pay out-of-pocket for some costs. You may opt for a higher deductible, but be sure that you can comfortably afford to pay that deductible if you must make a claim. You may also be eligible for discounts if you have reduced your commute or are able to bundle multiple policies with the same company.
Homeowners or Renters: Coverage for your personal possessions or your home may need to be changed once a year or more depending on whether you've made significant purchases or home improvements. Check that you have adequate coverage for special items such as jewelry or artwork. Evaluate the replacement cost of your home, to determine if a gap in coverage exists due to rising construction costs. You may increase your deductible to reduce your premium, but again, be sure that you will be able to handle the expenditure if you must make a claim. You may also qualify for discounts for installing a security system or bundling your coverage. Flood Insurance: Are you covered for your home and personal possessions? Remember, flood damage is NOT covered by your homeowners' policy. Floods can have many causes; including melting snow, this is a good time to consider it before the spring thaw, even if your home is not located in a flood zone.
Umbrella Insurance: This is an inexpensive way to provide extra protection for your financial security-- including your future income, investments and retirement funds- from loss because of a lawsuit.  Life Insurance: If your dependents rely solely on your income, life without it can get very difficult very quickly. Adequate coverage will promise you they won't be left scrambling when the monthly bills start coming in after your passing. It can also help cover any necessary funeral, remains and estate tax expenses you don't want your loved ones to be burdened with. Certain policies may also allow you to build cash value over time. At D.F. Dwyer Insurance, we are here to help you with all of the insurance pieces of your resolution puzzle. Give us a call today at 401-846-9629, let's make a date for a FREE policy review to evaluate your coverage. We are happy to help with suggestions and adjustments to benefit you, your family, your budget and your peace of mind. It's a great way to start the New Year!
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Client of the Month: Newport Art Museum
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 The Newport Art Museum's collections and exhibitions reflect Newport and Rhode Island's rich cultural heritage and lively contemporary art scene. The permanent collection of more than 2,300 works of American art concentrates on art and artistic activity from the late 19th century to the present day, and on those contemporary and historic works emphasizing the role played by Newport and New England artists, established and emerging, in the development of American art. Located at 76 Bellevue Avenue in Newport, the museum is open Tuesday - Saturday 10am - 4pm and Sunday 12pm - 4pm. For more information, please follow us on Facebook this month.
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We may not have seen much of the white stuff in Rhode Island YET, but it's a pretty safe bet that it will soon come... whether you're headed Up North, Out West or just to a sledding hill, keep these tips in mind for the start of the snowy season!
FOR ALL SNOW SPORTS: - Have the right gear including clothing, goggles and a HELMET!
- Let people know where you're going and when you will be back.
- Check the weather forecast and current conditions.
- Buddy up; go to the snow with one friend or a few!
 DOWNHILL SKIING & RIDING: - Check conditions, look for posted trail closures before jumping on the lift.
- Know what you are doing, if you don't, take a lesson and stay on the appropriate level trails... read more
 KNOW THE CODE: - People ahead of you have the right of way.
- Stop in a safe place for you and others.
- Whenever starting downhill or merge in, look uphill and yield.
- Use devices to help prevent... read more
 CROSS-COUNTRY SKIING: - Be aware of your limitations and ski on trails within your skill level.
- Go in groups of three, that way if a skier is injured one can stay with them while another goes for help... read more
 SNOW-SHOEING: - Choose properly fitting snowshoes and use poles to help with balance, act as a brake when descending a hill, help you climb over obstacles and pull you out of powder if you fall over... read more
 SLEDDING: - Choose the right hill-- one that's not super steep and ends nice and flat with enough room to stop.
- Make sure hill is free of obstacles like jumps, bumps, rocks or trees... read more
 EQUIPMENT PROTECTION:
It's always a good idea to check your homeowners or renter's policy, as well as your health insurance, just to make sure you know what to do in case of an accident or a loss. Generally, ski equipment... read more
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Insure Your Winter Travel
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Whether you are planning a getaway to somewhere warm or headed to a snowy destination, travel at this time of year is often uncertain. Travel insurance can cover everything from lost luggage to delays and cancellations. Consider a cost-effective policy to your worries about not reaching your destination, or getting stuck far away from home. Get quotes on affordable travel insurance plans through D.F. Dwyer Insurance.
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Farm 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 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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Skywatch: January 2016
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 On 1/3-1/4 The Quadrantids Meteor Shower may produce up to 40 meteors per hour at its peak. The second quarter moon will block out all but the brightest meteors this year, but it could still be a good show if you are patient. Best viewing will be from a dark location after midnight. Meteors will radiate from the constellation Bootes, but can appear anywhere in the sky. On 1/10, the New Moon will located on the same side of the Earth as the Sun and will not be visible in the night sky. The Full Moon will be on the opposite side of the Earth as the Sun and its face will be will be fully illuminated on 1/24.
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