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BEST AGAIN!
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Visit Our Blog for:
BACK TO SCHOOL
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Visit Our Blog for:
HURRICANES WARNINGS!
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In case you missed it...
AUGUST Features
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September Events & Holiday Observations
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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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Old Farmer's Almanac Forecast: September 2016
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 Temperature 70° (3° above avg.); precipitation 4.5" (1" above avg.); Sep 1-3: Sunny, turning cooler; Sep 4-8: Tropical rains; Sep 9-14: Scattered t-storms, warm; Sep 15-22: Sunny; cool, then warm; Sep 23-30: Scattered t-storms, cool.
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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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| Get the News! | 
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Issue: # 78
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September 2016
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It's That Time of Year...
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Our lead feature this month is Back To School Insurance Advice for College Students & Parents. As September also is Mold Awareness Month, our second feature, with content from the EPA is entitled, Ten Things You Should Know About Mold. It imparts information on where to look, what you might find and what to do with your findings. And finally, with the height of Hurricane Season upon us, we've included a how-to on making an Evacuation Plan for Your Family and Pets Too!
 Features aside, our big news this month is the launch our new BLOG at Dwyer.Insure! (That's right, the URL suffix is .insure, not .com) With you, our valued clients and subscribers in mind, we have created an easily accessed, searchable archive where we will post all of our feature articles-- both past and future-- so that you may conveniently find helpful information, as you need it, all in one place. We have already posted numerous features on the timely topics of Back to School and Hurricane Preparation. Please read enjoy and share!
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Back To School Advice For College Students & Parents
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College students are on the move, heading to college dorms and apartments on and off campus. For freshmen especially, it is a time of anticipation and new beginnings. However, in addition to excitement, big life changes such as these can trigger anxiety for both children and parents. Knowing that your student has solid insurance protection can alleviate many of your worries.
Theft is the most common crime on U.S. college campuses according to the Insurance Information Institute. In 2014, the Department of Education reported more than 18,000 on-campus burglaries and thefts. If your student moves into a dorm room, your homeowners' policy will likely cover their belongings in case of a loss, but will it be enough? The value of your child's possessions, especially pricey electronics, add up quickly and many homeowners' policies limit the amount of coverage for off-premise belongings to 10% of the total coverage for personal possessions. If you have not done so already, it makes sense to take a home inventory and do your math here. Adding a floater to your homeowners' policy is often a smart decision.
 If your co-ed leases an off-campus apartment, renters's insurance is necessary to protect their belongings. These polices are relatively inexpensive and cover computers, electronics, jewelry, clothing, furniture and other valuables from losses due to theft, fire smoke... read more.
At D.F. Dwyer, we can adjust your coverage to grow with your family as your family grows! Call us at 401-846-9629 or email me, let's talk about family and review your policies this week... we're here to help!
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Make A Storm Evacuation Plan, Before You Need It!
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 In the event of a sudden emergency such as a hurricane, you may have just minutes to gather your family and important papers, and get out of your house, possibly for good. Are you prepared? Where would you go? What would you take with you? With preparation and practice, you stand the best chance of getting out with what you and your family need, and ending up in the right place.
Arrange Your Evacuation Ahead of Time
- Identify where you can go in the event of an evacuation. Try to have more than one option: the home of a friend or family member in another town, a hotel or a shelter. Keep the phone numbers and addresses of these locations handy.
- Map out your primary route and a backup route in case roads are blocked or impassable. Make sure that you have a map of the area available.
- In case your family members are separated before or during the evacuation, identify a specific... read more.
Plan What to Take
- Medicines, prescriptions and first aid kit
- Bottled water
- Clothing and bedding (sleeping bags, pillows)
- read complete list
Gather Important Documents
- Insurance policies
- Birth and marriage certificates
- Passports, drivers license, personal identification
- read complete list
 And Make A Plan For Your Pets!After many disasters, thousands of pets are tragically left to fend for themselves and many are lost, injured or worse. Since most public and all Red Cross shelters exclude pets, it is essential that you plan ahead!
- Find a safe place, contact hotels and motels outside your immediate area to check policies on accepting pets.
- Make a list of boarding facilities and veterinarians outside your area that might be able to shelter pets in an emergency.
- Make a disaster kit for your pet containing... read more
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FLOOD INSURANCE:
We've Got Options To Give You Choices!
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What's Sprouting Around Your House?
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September is Mold Awareness Month designated by the EPA as the time to discover what's growing in the unseen corners of your basement and/or the damp corners of your guest bath. You may find mold, which left untreated can become very toxic and endanger your family's health, causing possible damage to lungs, sinuses and overall well-being. We've found some helpful information at Inspect-A-Pedia on where to look and how to identify mold in your home. Below is the EPA's "Top Ten" list and you will find more resources on the EPA website as well. Ten Things To Know About Mold- Potential health effects and symptoms associated with mold exposure include allergic reactions, asthma and other respiratory complaints.
- There is no practical way to eliminate all mold and mold spores in the indoor environment; the way to control indoor mold growth is to control moisture.
- If mold is a problem in your home, you must clean up the mold and eliminate sources of moisture.
- Fix the source... read more
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Farm & Agribusiness Insurance
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It's time to reap the benefit of what you've carefully sown and grown... we can help you to protect your investment! 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 host agritainment activities... we want to help you protect your success. 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: September 2016
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 Tonight (9/1) the New
Moon will be located on the same side of the Earth as the Sun and will not be visible in the night sky. This is the best time of the month to observe faint objects such as galaxies and star clusters because there is no moonlight to interfere. On 9/3 the blue giant, Neptune will be at its closest approach to Earth fully illuminated by the Sun. It will be brighter than any other time of the year and will be visible all night long. The "harvest full moon" occurs on on 9/16 this year. The Autumnal Equinox is on 9/22, the sun will shine directly on the equator and there will be nearly equal amounts of day and night throughout the world- it marks the first day of Fall for us in the Northern Hemisphere. Finally on 9/28, Mercury reaches its' greatest western elongation providing the best time for viewing at its highest point above the horizon in the morning sky. Look for the planet low in the eastern sky just before sunrise.
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Where Will You Land This Month?
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Travel insurance is an easy and affordable way to protect yourself and your trip when things don't go the way you planned. We offer a variety of travel products with different types of benefits, so you can choose the best plan for your situation. Get quick quotes on affordable travel insurance coverage from 7 Corners through D.F. Dwyer Insurance here.
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