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The Votes Are In!
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February 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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Farmer's Almanac Forecast: February 2016
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 Temperature 38° (4° above avg.); precipitation 5" (2" above avg.); Feb 1-5: Sunny, turning mild; Feb 6-9: Heavy rain, then sunny, cold; Feb 10-18: Flurries, cold north; showers, mild south; Feb 19-23: Rain, then sunny, mild; Feb 24-29: Periods of rain and snow. |
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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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| Get the News! | 
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Issue: # 71
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February 2016
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Welcome February!
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As February is closely associated with Valentine's Day, we choose this month to focus on protecting and providing for our loved ones. Our special features include: Life Insurance: A Lasting Legacy of Your Love and Protecting Your Valentine's Gifts. Our regular features include the Farmer's Almanac Forecast, Skywatch and Community Event Listings. The Newport Winter Festival is our client of the month and we'll be following many of their events throughout the month on our Facebook page, won't you join us?
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Valentine's Gifts May Require Special Coverage
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The word 'insurance' is not likely to be the first word on your sweetheart's lips this Valentine's Day. But according to the Insurance Information Institute, the first thing that you should do, after saying yes, should be to call your insurance professional! While it might not sound romantic, and there is no way to insure the sentimental value of a precious gift, having the right coverage can at least soothe the financial sting in case of a loss.
Jewelry losses are among the most frequent of all home insurance content-related insurance claims. Fortunately, there are four relatively simple steps you can take to ensure adequate protection for your new jewelry:-
Contact Us
We can let you know how much coverage you already have and whether you will need additional insurance. Most standard homeowners and renters insurance policies include coverage for personal items such as jewelry; however, the dollar amount for the theft of high-value personal possessions if often limited. (read more)
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Obtain A Copy of the Store Receipt
Forward a copy of the receipt to us so that we can document the current retail value of the item. Keep a copy for your records and include it with your home inventory. If the item was purchased on sale, also get a copy of the appraised value of the item.
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Have Heirloom Pieces Appraised
Antique jewelry will need to be appraised for its dollar value. Ask us to recommend a reputable appraiser.
 Add the Item to Your Home Inventory
An up-to-date inventory of your possessions can help you to purchase the correct amount of insurance and speed up the claims process if you have a loss, so remember to add your new jewelry to your inventory. This free web-based app, makes it easy! Know Your Stuff® - Home Inventory.
At D.F. Dwyer Insurance, we are here to help you with all of your insurance needs. Give us a call today at 401-846-9629, let's make a date for a FREE policy review to evaluate your coverage.
Some content courtesy Insurance Information Institute © 2016
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We Love Farmers!
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D.F. Dwyer Agency, a Nationwide Agribusiness Insurance partner would love 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 Farm E-Newsletter with specific features and information to help you protect your locally grown business.
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Life Insurance: A Lasting Legacy of Your Love
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 Life insurance is one of the most selfless gifts you can give. Whether you're providing for your family or a favorite charity, it is a simple way to show your love.
Becoming a couple or starting a family means sharing responsibility with and for others. Both partners may work; building a lifestyle that depends on two incomes. There will be loans and other debts to pay off. Life insurance is a traditional way of ensuring that your family is taken care of in the event of a tragedy.
 Life insurance provides a spouse, children or other beneficiary with resources in the event of the premature death including:
- Replacement income for dependents
- Pay final expenses-- funeral, burial, probate and estate cots
- Create an inheritance for your heirs or a charity beneficiary
- Pay federal and state "death" taxes
There are two basic types of life insurance:
- Term insurance provides a simple death benefit for a fixed period of time. There are several different types of term insurance - renewable, convertible, level, decreasing and increasing term coverage. The premium may stay the same for many years. However, when the stated term expires, the
 premium can go up.
- Cash value insurance, as the name implies, provides permanent protection as long as you pay the premium. The premium does not increase over time. The younger a person is when buying the policy, the lower the premium will be for the life of the policy. But because premiums remain level, cash value coverage tends to be more expensive than term insurance. There are different types of cash value or permanent insurance as well - whole life, universal life, variable life and variable universal life insurance.
Planning ahead to provide for your family or favorite charity creates a lasting legacy of your love.
At D.F. Dwyer Insurance, we are here to help you with all of your insurance needs. Call us at 401-846-9629, we'll help you determine the best policy choice for you and your loved ones.
Some content courtesy Insurance Information Institute © 2016
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Lock-In Your Trip
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Whether you've planned a romantic getaway with your sweetheart or a family ski trip, winter travel can be uncertain. Travel insurance can cover everything from lost luggage to delays and cancellations. Consider a cost-effective policy to ease 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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Client of the Month: Newport Winter Festival
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 The Newport Winter Festival has been called "New England's Largest Winter Extravaganza." May the Frost Be With You, is the theme for this 28th Annual edition, which features more than 150 events scheduled from February 12-21, 2016. The Festival offers a unique winter experience combining food, festivities, music and fun for all ages. Popular events include the Children's Fair, Chili Cook-Off, Princess Party and a concert by a Jimmy Buffett tribute band, Changes in Latitude. For more information, visit the Winter Festival website and follow us on Facebook this month.
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Skywatch: February 2016
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 The planet Mercury reaches its' greatest western elongation of 25.6 degrees from the Sun on 2/7. This is the best time for viewing since it will be at its highest point above the horizon; look for the planet low in the eastern sky just before sunrise. On 2/8, the New Moon will be on the same side of the Earth as the Sun and therefore not visible in the night sky. By the Full Moon on 2/22, it will be on the opposite side of the Earth as the Sun and its face will be will be fully illuminated. Early Native American tribes called this the Full Snow Moon because the heaviest snows usually fell at this time of the year.
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