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BEST AGAIN!
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SUMMER SAFETY Off-Site Resources:
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HURRICANE & FLOOD Archived Features:
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SUMMER SAFETY Archived Features:
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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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Happy July!
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 It's officially Hurricane Season. Although historically Rhode Island experiences the most impact from August-October, our feature story "Time & Tide Wait for No One," explains why it is vital to evaluate your homeowners coverage now and why you may want to consider a new EZ-Flood Insurance option. Continuing our Summer Safety theme we've put together another feature packed with "12 Tips, 21 Repellents and 4 Home Remedies" to protect yourself and your family from insects-naturally. As always, we include our favorite monthly items including Community Event Listings, the July Farmer's Almanac Forecast and Skywatch. Please read enjoy and share!
As always, please email me or call 401-846-9629 with any questions about your insurance coverage or for a complimentary policy review. We're here to do what's best for you, our valued clients!
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Time & Tide Wait For No One
Evaluate Your Flood Coverage In JULY
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 The 2016 Hurricane Season is now upon us and the Weather Company forecast indicates that this season may be the most active since 2012, the year of Hurricane Sandy. Dating back to the 18th Century, when records were first kept, Rhode Island has seen the vast majority of tropical storm impact between mid-August through late-October.
Assuming the replacement cost value of property is correct, a homeowners policy will cover any wind damage caused by a hurricane. However, it will not cover damage due to flooding and homeowners need to be aware of whether they have a hurricane deductible.
Even if a hurricane does not make landfall, collateral damage is often produced by storm surge and subsequent flooding-- an effect that we routinely experience in our  Island communities. Because once written, there is a 30-day waiting period before flood insurance policies become active, NOW is the time to review and secure your coverage.
At D.F. Dwyer Insurance, we are committed to providing you with flood insurance as inexpensively, quickly, and painlessly as possible. We now offer EZ Flood a hassle-free alternative to the National Flood Insurance Program. This program enables us to customize coverage to meet YOUR specific needs and offers less expensive alternatives. EZ Flood advantages include:
- No elevation certificates required
- No surcharge for secondary residences or rentals
- Competitive premiums
- Higher coverage limits
Don't let flood insurance complicate your life-- call us at 401-846-9629 or email me at DFD@DFDwyer.com to learn more about the EZ Flood advantage. At D. F. Dwyer Insurance, we'll always do our best for you!
Some content by Nationwide and iii.org ©2016
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Kick Back & Enjoy Your Summer Vacation
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 If you're vacationing this month, insurance coverage provides peace of mind and helps to keep your plans on track! A travel insurance policy provides coverage for you and your trip, saving you money and hassle. Get quotes on affordable travel insurance plans through D. F. Dwyer Insurance. |
Protect Yourself From Insects-- Naturally
12 Tips, 21 Non-Toxic Repellents & 4 Home Remedies
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 Summer's here and so are the bugs. Rates of insect-borne disease are on the rise and the risks are much higher than the annoyance of ants invading your picnic basket. West Nile, Lyme and Zika are three very serious infections that can all be contracted from a single insect bite. Preventive steps are literal lifesavers, but harsh chemicals including DEET introduce long-term adverse effects on our environment and us. Here we offer some natural ways to protect yourself this summer.
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 Wear long-sleeved shirts, long pants, and socks. - To stop ticks, tuck long pants into your socks and avoid tall grass and underbrush.
- Keep your lawn cut short.
- Stay indoors at dusk and dawn-- peak mosquito times.
- Keep screens in good repair and use netting over beds.
- Using a fan discourages mosquitoes.
- Plant mosquito-repelling plants including scented geraniums, lemon thyme, marigold, tansy, sweet basil and/or sassafras near your home.
- Eliminate standing water and refresh birdbaths regularly.
- Encourage natural predators--bats, dragonflies, praying mantis, spiders, and birds.
- Use yellow light bulbs in outdoor fixtures, they are not as attractive to bugs white ones.
- Use unscented products.
- Choose non-toxic repellents.
21 Non-Toxic Repellents
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 Citronella: mosquitoes cannot stand the smell of citrus, especially lemons - Bay Leaf: repels roaches, moths, earwigs and mosquitoes
- Catnip: the strong scent repels mosquitoes and roaches
- Wormwood: leaves repel mosquitoes
- Rosemary: also keeps mosquitoes at bay
- Rue: has disinfectant and antibacterial properties as well as a natural insecticidal effect
- Peppermint: no insect or biting bug likes its' scent
- Coconut Oil: is highly efficient against insects
- Eucalyptus Oil: has mosquito and fly repelling properties
- Wild Bergamot: has a pleasant smell and repels pests
- Basil: when grown in your garden will discourage insects
- Marigolds: stop bugs feeding on you and your garden
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 Tansy: flowering herb repels flies, roaches, bedbugs, mites and ants - Lavender: plants keep bugs away with its lovely scent
- Baby Powder: sprinkled around your home keeps wasps, mosquitoes and bees at bay
- Tea Tree: has an antibacterial and antimicrobial property with a scent that no bug likes
- Citrus Peels: scattered where spiders and insects crawl in-- keeps them out
- Cinnamon: also keeps insects away when sprinkled around your house
- Vanilla Extract: is another pleasant smelling alternative that acts as an efficient insect repellent - you can use it alone or mix with mint, lavender or lemongrass extract.
- Natural Cedar: keeps away mosquitoes, bedbugs and other creepy crawlers.
- Garlic: neither vampires nor mosquitoes like it- just sprinkle around your home and see for yourself!
4 Home Remedies
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 Tea Tree Oil: Remove the stinger and gently apply it around the entry point. - Baking Soda: Mix with water, form a paste, remove stinger, apply to bite.
- Yellow Onion: Slice in half and rub the cut side on the bite
- Vinegar: Tape a soaked cotton ball over the bite overnight.
Visit us at DFDwyer.com for more Summer Safety Resources.
At D.F. Dwyer Insurance, we'll always do our best for you!
Some content by MindBodyGreen.com and BestPlants.com © 2016
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Farmer's Almanac Forecast: July 2016
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Temperature 76° (avg.); precipitation 5" (1" above avg.); Jul 1-8: Scattered t-storms, turning cooler; Jul 9-16: T-storms, then sunny, warm; Jul 17-21: T-storms, then sunny, hot; Jul 22-28: Scattered t-storms, locally heavy; Jul 29-31: Sunny, warm.
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Farm & Agribusiness Insurance
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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 offer agritainment activities... we want to help you to continue to be successful. 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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Sky Watch: July 2016
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 The new Moon on 7/4 will be located on the same side of the Earth as the Sun and will not be visible this night providing an extra dark backdrop for holiday fireworks. Also on 7/4, NASA's Juno spacecraft is scheduled to arrive at Jupiter after a five year journey. Launched on August 5, 2011, Juno will be inserted into a polar orbit around the giant planet where it will study Jupiter's atmosphere and magnetic field. The "Thunder (full) Moon" will occur on 7/19. From 7/28-7/29, you may see the Delta Aquarids Meteor Shower, which can produce up to 20 meteors per hour at its peak. Best viewing will be from a dark location after midnight. Meteors will radiate from the constellation Aquarius, but can appear anywhere in the sky.
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