Voted Newport's Best
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Farmer's Almanac Forecast: March
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March 2016:
Temperature 42° (2° below avg.); precipitation 3" (1" below avg.); Mar 1-3: Sunny, cold; Mar 4-9: Snow, then showers north; a few showers south; turning mild; Mar 10-16: Occasional rain and wet snow, chilly; Mar 17-19: Sunny north, snow south; cold; Mar 20-25: Sunny, mild; Mar 26-29: Showers, turning cool; Mar 30-31: Heavy rain coast, wet snow inland. |
| Contact Us | |
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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| Community Events |
March 1 - 31
March dates:
5,11-13,19-20 & 27
12N-4pm
 March 13Daylight Savings
Time Begins
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'Thumbs Up' for Dwyer Insurance!
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Skywatch: March
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On 3/8, Jupiter will be in opposition, which means that the giant planet will be at its' closest approach to Earth and its' face will be fully illuminated by the Sun. It will be brighter than any other time of the year and will be visible all night long. This is the best time to view Jupiter and its' moons. On 3/20, the March Equinox occurs at 04:30 UTC when the Sun will shine directly on the equator and there will be nearly equal amounts of day and night throughout the world. This is also the first day of spring (vernal equinox) in the Northern Hemisphere.
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 March is an exciting time in Newport! To many, the St. Patrick's Day Parade symbolizes the coming of spring and the reawakening of our city. That's why we are especially proud to feature Newport's 60th Annual edition as our Client of the Month. Our two March feature stories explain the factors that determine the cost of your Automobile Insurance and what your Business Insurance Policy will cover. Also this month we'll highlight Newport's Irish Heritage Month events on our Facebook page, won't you join us?
Sláinte!
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Client of the Month: St. Patrick's Day Parade
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The 60th Annual Newport Saint Patrick's Day Parade will be held, rain, snow, or shine, on Saturday, March 12th 2016. It will begin promptly at 11:00am from Newport City Hall and will proceed to Carroll Avenue at Saint Augustin's Church in the heart of the Fifth Ward. The parade this year is estimated to last 2 hours and will include pipe bands, marching bands, fife & drum corps, clown units, reenactment units, and a host of local, state, and regional organizations including police and fire units, social/fraternal organizations, Boy Scouts, Girl Scouts, Schools, and non-profits.
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What Really Determines Your Policy Cost?
 Many factors affect your premium, and they all help determine how likely you are to have an accident. Perhaps surprisingly, many of them do a better job than just your driving record. Not all companies use all of these factors, and some might use additional factors as well.
Your premium may depend on, in no particular order:-
Your Driving Record
The better your record, the lower your premium.
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How Much You Use Your Car
The more miles you drive, the more chance for accidents. -
Where Your Car Is Parked & Where You Live
Generally, due to higher rates of vandalism, theft and accidents, urban drivers pay a higher auto insurance price than those in small towns or rural areas. -
Your Age
In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. -
Your Gender
As a group, women tend to get into fewer accidents, have fewer driver-under-the-influence accidents (DUI) and most importantly less serious accidents than men. -
The Car You Drive
Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car itself is major rate factor, the cost of repairs, and the overall safety record of the car. If a specific car has a higher chance of inflicting damage on another car and its occupants, some insurers may charge more for liability insurance. -
Your Credit
For many insurers, credit-based insurance scoring is one of the most important and statistically valid tools to predict the likelihood of a person filing a claim and the likely cost of that claim. -
The Type and Amount of Coverage
In virtually every state, by law you must buy a minimum amount of liability insurance. The state required limits are generally very low and most people should consider purchasing much more than the state requirement. If you  have a new or recent model of car, you likely will also buy comprehensive and collision coverage, which pays for damage to your car due to weather, theft or physical damage to the car such as being hit by a tree. While there is no legal requirement to purchase these coverages, if you finance the purchase of the car or you lease it you may be required by contract.
Download the complete article to read and learn more here!
*Information courtesy of: Insurance Information Institute 2016
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Happy As A Pig In Clover!
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At D.F. Dwyer Agency, a Nationwide Agribusiness Insurance partner, we'd be very happy to be a valued resource for your local farm-based business. Give us a call at 401-846-9629 for a complimentary policy review, then subscribe to our quarterly Farm E-Newsletter with specific features and information to help you protect your locally grown business. Learn More Here.
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Business Insurance-- What Is, and Is Not Covered
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As a business owner, it is important to understand what is and is not covered by insurance, and the various coverage options available to protect businesses. Imagine if...
- A fire damages your offices, equipment or inventory and temporarily shuts down your business.
- Specialized equipment or merchandise is stolen.
- A customer is injured on your business property.
- You are denied access to your property due to a hurricane, wildfire, flood or other catastrophe.
If you are adequately insured, you can recover from these events and keep your business operating.
Property Damage is typically covered under a Business Owners Policy (BOP) or through a Commercial Multi-Peril (CMP) policy. Most commercial policies provide either:
- Replacement Cost Coverage: pays to rebuild or repair, based on current construction costs -- OR
- Actual Cash Value Coverage: pays to rebuild or replace the property minus depreciation
 You may also opt for a combination of both types of coverage.Business Income Insurance (also known as Business Interruption), is typically included in a BOP or CMP and provides coverage for:
- Revenue lost due to the closure.
- Fixed expenses, such as rent and utility costs.
- Expenses of operating from a temporary location.
If You Must File A Claim... Be Prepared:
- Fill out claims forms as soon as possible- including a "proof of loss" form.
- Make a detailed list of damaged property.
- Take photos or video to back up the claim.
- Be prepared to show the adjuster the damaged property as well as financial records or other documents.
- Get at least two bids for repairs or replacements.
- Keep copies of all correspondence regarding the claim and note the name, title and phone number of everyone you speak with.
Questions? Call us at 401-846-9629...
We're always here to help!
*Information courtesy of the Insurance Information Institute- www.iii.org
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The thrill of travel includes exploring unfamiliar places and enjoying new experiences- yet these unknowns can be fraught with unforeseen challenges! You don't need the Luck of the Irish to protect your trip; Travel Insurance can cover everything from lost luggage to delays and cancellations. A cost-effective policy will ease your worries about not reaching your destination or getting stuck far away from home. Get quotes on travel insurance plans through D.F. Dwyer Insurance.
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2012 St. Patrick's Day Parade Video by Jim Egan
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