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BEST AGAIN!
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Not Everything Green
Is A Goblin!
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Visit Our Blog for:
HURRICANE TIPS
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OCTOBER 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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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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October Greetings!
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Because Halloween poses many safety risks for trick-or-treaters, drivers and party hosts, our lead feature is Can Insurance Protect You From Halloween Havoc? (spoiler alert: the answer is YES!) October also includes National Fire Prevention Week--when the weather cools, fire risks increase as homeowners rekindle fireplaces and candles. Recognizing this, our second feature is 15 Fire Prevention & Safety Tips Too Important To Ignore. We've also posted a number of timely topics on our NEW Dwyer.Insure blog focusing on Fire Prevention, Holiday Safety and more. Also, at this harvest time, we offer a list of near-by pick-your-own pumpkin and apple farms, a fun family activity that benefits our local agri-businesses. As always, we include reader favorites: Community Event Listings, October Farmer's Almanac Forecast and Skywatch. Please read enjoy and share!
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Can Insurance Protect You From Halloween Havoc?
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The Answer Is YES! Halloween can be scary but having the right insurance coverage can take some of the fright out of the night. Your Homeowners' and Renters' insurance policies provide financial protection for a host of disasters whether they occur on Halloween, or any other day.
Standard homeowners' and renters' policies provide coverage for the following:
- Vandalism: In the event that your home or your personal possessions are damaged by tricksters, your homeowners' or renters' insurance provides coverage for vandalism and malicious mischief. You are on your own, however, when it comes to removing the toilet paper from your front yard...
- Fire: If a jack-o-lantern or other decoration, goes up in flames and damages your property, your homeowners' or renters' policy covers fire-related losses. And, should the blaze make your home uninhabitable, additional living expenses (ALE) coverage will pay for alternate accommodations, such as a hotel, while your home is being repaired.
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 Injuries: The liability portion of a homeowners or renters policy comes into play if a Halloween party guest, or a trick-or-treater is injured while at your house or apartment. These policies also include no-fault medical coverage so the injured person can file their claim directly with your insurer. And if Spot gets a little skittish from all the commotion and accidentally nips a trick-or-treater your liability coverage includes damages or injuries caused by pets. - Theft: As with other covered losses, your protection against theft of your automobile or a burglary at home, is based on your policy's specifics including deductibles, limits, replacement cost options, etc.
Perhaps this is a good time for a policy review? Call us at 401-846-9629; let's take a LOOK at your policies so that you can...
Stay Calm & SpOOk ON!
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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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Ripe for Picking... Local Apples & Pumpkins
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 Why Not? Spend a crisp fall day enjoying the bountiful harvest of our local farmers... visit websites for details:
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National Fire Prevention Week
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National Fire Prevention Week was established to commemorate the Great Chicago Fire, the tragic 1871 conflagration that killed more than 250 people, left 100,000 homeless, destroyed more than 17,400 structures and burned more than 2,000 acres. In 1920, President Woodrow Wilson issued the first National Fire Prevention Day proclamation, and since 1922, Fire Prevention Week has been observed on the Sunday through Saturday period in which October 9 falls. This year FPW will be observed from October 9 - October 15, to recognize this important week of awareness we've sourced the following...
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15 Fire Prevention & Safety Tips Too Important To Ignore
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- CLEAN THE CHIMNEY, the leading factor contributing to heating system fires is failure to clean, this usually involves creosote build-up. Have your chimneys, fireplaces, wood stoves and central furnace serviced annually. If you have a fireplace, use a screen to block airborne embers and have the chimney cleaned once a year to prevent creosote buildup that can quickly ignite a fire.
- Place space heaters at least 3 feet away from other objects. Always turn off heaters when leaving the room or going to bed.
- Place at
 least one SMOKE DETECTOR on every floor, and in or near every bedroom and - CHECK THE BATTERIES! When smoke alarms fail to operate, it is usually because batteries are missing, disconnected, or dead. Half of home fire deaths result from fires between 11 p.m. and 7 a.m. when most people are asleep. If someone in your home is deaf or hard of hearing, consider installing an alarm that combines flashing lights, vibration and sound.
- Consider installing a sprinkler system, it can increase property value and lower your insurance rates
- HAVE A PLAN! Create multiple escape plans and practice them with your family. Your plans should include escape routes from different areas of the house, tools for exiting the building (escape ladders, items to open, break out windows)
 and a designated meeting place. It's very important to practice fire safety with kids; be sure to familiarize your them with the sounds of the alarm(s). - Keep roll-out ladders near windows above the first floor for a safe escape in case of fire.
- Read 8 More Tips here
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Farmer's Almanac Forecast: October 2016
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Temperature 62° (6° above avg.); precipitation 4.5" (1" above avg.); Oct 1-10: Rain, then sunny, warm; Oct 11-16: Showers, mild; Oct 17-23: T-storms, then sunny, warm; Oct 24-31: A few t-storms.
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Custom FLOOD INSURANCE Options
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One Size Does NOT Fit All
Our new options 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 dwellings and commercial buildings!
Learn More
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No Matter How Long Or Winding The Road...
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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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Sky Watch: October 2016
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 On 10/7, the Draconids Meteor shower will be at its peak, meteors will radiate from the constellation Draco, but can appear anywhere in the sky. On 10/15 Uranus at Opposition, will be at its closest approach to Earth and its face will be fully illuminated by the Sun. The Full Supermoon on 10/16, one of three this year, will be at its closest approach to the Earth and may look slightly larger and brighter than usual. Orionids Meteors tend to be fairly bright; so the shower on 10/21 could be a good show. The best viewing will be from a dark location after midnight. Meteors will radiate from the constellation Orion, but can appear anywhere in the sky. The new moon on 10/30, will located on the same side of the Earth as the Sun and will not be visible in the night sky. |
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