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BEST AGAIN!
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HURRICANE & FLOOD Archived Features:
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SUMMER SAFETY Off-Site Resources:
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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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Welcome August
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 This month we focus on two timely topics. First, Flood Insurance-- not covered by standard homeowners insurance and often required for many of us-- until recently the pricey National Flood Insurance Program was the only option. Now, we have several OPTIONS to cover ALL property types and risk-levels! We have already assisted a number of clients in saving thousands after reviewing and updating their coverage with us. Our second feature "Everything You Need To Know About Pokémon Go" provides helpful information to keep your children safe, both physically and virtually, while playing this phenomenally popular new game. Our Community Event listings celebrate National Farmer's Market Week (8/7-8/13), with a RI Grower's Market for every day of the week. As always, we include the August Farmer's Almanac Forecast and Skywatch. Please read enjoy and share!
Please email me or call 401-846-9629 with any questions about your insurance or for a complimentary policy review because we're here to do what's best for YOU, our valued clients!
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Flood Insurance:
WE have OPTIONS, YOU have CHOICES!
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Would you frequent a restaurant with only ONE item on the menu? Well maybe, if that item was far superior and well-priced... but suppose it did not suit your taste and was over-priced? You'd want to seek out another restaurant, but too bad, like it or lump it, your only option is to eat here or starve. Until recently, such was the consumer experience when securing flood coverage... the National Flood Insurance Program (NIFP) was the only "restaurant" in town.
 At D.F. Dwyer Insurance we understand the frustrations of home and business owners faced with pricey, limited-to-no option flood coverage in a state with 400 miles of coastline. That's why we are so very pleased to announce that now...
WE CAN OFFER YOU OPTIONS!
Our new plans meet all lenders' flood insurance requirements AND offer additional advantages including:
- Shorter waiting periods
- No elevation certificates required
- Higher coverage levels for both buildings and contents
- No surcharge for secondary residences or rental homes
- NEW: Available to multi-family and commercial buildings!
- Competitive premiums-- in many cases, less than NFIP*
*In fact, we have already saved clients thousands by assisting them with the switch from NFIP.
At D.F. Dwyer Insurance, we are committed to providing you with flood insurance as inexpensively, quickly, and painlessly as possible. Call us at 401-846-9629 or email me to customize the best, most affordable flood coverage to suit your property!
At D.F. Dwyer Insurance, we'll always do our best for you! *****
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Farmer's Almanac Forecast: August 2016
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Temperature 74° (1° above avg. north, 1° below south); precipitation 5.5" (1.5" above avg.); Aug 1-3: Sunny, hot; Aug 4-10: Sunny, cool; Aug 11-14: Tropical storm threat; Aug 15-18: Sunny, cool; Aug 19-21: Hurricane threat; Aug 22-31: Sunny, turning hot.
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Your Vacation Is On The Line.
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 When you travel, insurance coverage provides peace of mind and helps to keep your trip on on track! Travel insurance can save you money and hassle, two things no one wants while on vacation. Get quotes on affordable plans through Dwyer Insurance. |
What You Need To Know About Pokemon Go
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 Pokémon Go, a mobile app that allows users to hunt virtually for Pokémon in the real great outdoors, has taken the world by storm. However, Pokémon Go has also spawned unintended consequences, such as injuries and property damage resulting from distracted users-- fortunately, most of these are covered by insurance. Even if you don't know what Pokémon Go is, you've probably already seen it in action as there are few places immune from hordes of players scouring the neighborhood, smartphones in hand, hoping to "Catch 'Em All", unfortunately some of them are also walking, biking, or skating into signposts, sewer grates and even each other-- not to mention even more serious accidents.
Playing it Smart & Safe
According to Pokémon creators: "When you see a Pokémon on the map that you want to catch, you don't have to take another step. That is to say: If you're sitting at home, and you see a rare monster appear in your neighbor's yard, you don't have to hop any fences to get it, just click it. Same if you see a monster pop up in the middle of traffic or at the bottom of a ravine. Don't take another step. Along similar lines, if you're crossing an intersection and you see a Pokémon, it'll stay put until you get to the other side."
 While it is nice that people are getting outdoors, it remains important to be aware of your surroundings and be sure that you're adequately protected against risk. Police warn players that the use of GPS technology for the game means users' locations are visible to others, potentially making them vulnerable to muggings or theft, as well as indicating when they are not at home. Across the United States, players have been drawn down dark alleys and into dangerous neighborhoods in search of the imaginary creatures, only to be targeted by criminals. So, even if you fall hard chasing a Charizard, know that you're covered if you have the right types of insurance, including: While you're out and about pursuing those elusive pocket monsters, rest assured that your possessions are covered if thieves break into your home. Also, if you accidentally trample somebody's flowerbed while hot on the trail of a Bellossome (or a fellow player is injured in your home and decides to sue), most homeowners and renters policies have coverage for damage to other peoples' property and possessions as well as liability for mishaps on your property.
 Hit while running down a Rotom? Depending on who's at fault (and local statutes), you may be able to file a claim against the driver's auto liability insurance policy. Almost all states require that vehicle owners and drivers carry liability insurance to cover personal injuries to third parties. Or your own uninsured/under-insured motorists coverage may pick up the tab if not.
Sure, the game's called Pokémon Go but it's really your data that's in play. If thieves make off with your information, many insurers will cover identity theft, either as part of a homeowners or renters policy or as a stand-alone policy. Identity theft insurance reimburses victims for the cost of restoring their identity and repairing credit reports and related expenses.
 Pokémon Go Goes Boating Pokémon-mania has also come to the water and with it, BoatUS, the national boating advocacy, has 2 tips for playing Pokémon Go while boating: - Be aware: The US Coast Guard reports "Operator Inattention" as one of the 5 main primary contributing factors in accidents. When searching for a "water type" Pokémon such as "Magikarp", let the first mate or friend handle the cell phone while the captain keeps a safe lookout.
- Watch cell phone battery use: Users report the game eats up a smartphone's battery charge. With many recreational boaters today relying on their cell phones for communication, it would be wise to bring along a spare charger, or use battery saving mode. BoatUS also reminds boaters that only a VHF radio can summon emergency help from the closest rescuers, ensuring the fastest response.
At D.F. Dwyer Insurance, we'll always do our best for you!
Some content by iii.org © 2016 *****
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Farm & Agribusiness Insurance
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We insure all types of farms and farm activities. 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. 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: August 2016
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 On 8/2, the moon will located on the same side of the Earth as the Sun and will not be visible in the night sky. On 8/11-8/12, you may be able to see the Perseids meteor showers shortly after midnight when the waxing gibbous moon sets leaving a fairly dark sky. On 8/16, Mercury reaches its greatest eastern elongation from the Sun, look for the planet low in the western sky just after sunset. The August full moon on 8/18 has been called the Sturgeon Moon, the Green Corn Moon or the Grain Moon by various early Native American tribes. A spectacular conjunction of Venus and Jupiter will be visible in the evening sky on 8/27. The two bright planets will be very close-- look for the impressive pairing in the western sky just after sunset.
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