Monthly Archives: May 2019

Renter’s Insurance-Are you overlooking this important coverage?

Renter’s Insurance-Are you overlooking this important coverage?

Homeowners and auto insurance are purchased without question for homeowners with cars, but what if you rent instead of own?  Why not consider Renter’s insurance?

According to a recent survey, 60% of renters do not carry Renter’s insurance. Many people think that they can’t afford it, or it’s not important. Truth is, Renters insurance is one of the most affordable and most important policies you can carry when you rent instead of own.

More than half of renters without a renter’s policy reported that they didn’t think they could afford it. Prices vary depending on the level of coverage you choose for your policy. The average cost of a renter’s policy is about $15 or less per month! That’s less than what the average American would pay a month on coffee at their favorite coffee shop.

17% of renters without a Renter’s policy said that they didn’t think Renter’s insurance was important.  That is so far from the truth.   It is very easy to think that a catastrophe won’t happen to you but in the United States, a house or apartment fire takes place every 90 seconds and break-ins occur every 15 seconds. When it comes to replacing everything you own in the event of a loss, the costs can add up very quickly. This is where Renter’s insurance offers you security.

If you are like 16% of renters who choose not to purchase Renters insurance and don’t fully understand what is covered, it is easy to think that you do not need it. In fact, many people assume that they are covered under their landlord’s policy or their family’s homeowner’s policy when renting at home. Your landlord’s policy only covers damage to the building, and your family’s homeowner’s policy will not cover your personal belongings if you are over the age of 18.

Individual Renter’s policies generally cover personal items that are lost due to fire, smoke, wind, hail, theft, vandalism and, in some cases, water damage.
Avoid being Part of the 60% of Americans that don’t have renters insurance and learn more about it today.

For more information on Renters insurance, please visit our website at www.chedwards.net or contact our office at 516-249-5200 and let us offer you a no-obligation quote.

by Denise Visco

School Bus Safety-Do not pass buses with flashing lights!

School Bus Safety-Do not pass buses with flashing lights!

Wellness Wednesday
 
School Bus Safety- Do not pass buses with flashing lights!
 
How many times have you seen a car pass a school bus with the lights flashing? Probably too many times! If current legislation is passed, busses will need to be equipped with special flashing stop signs with cameras. If you are caught on these cameras passing a bus with the lights flashing, you will be subject to a $250 fine.
 
This legislation is for the safety of our children. It is estimated that 50,000 cars have been reported to have committed this violation and unnecessary injury to children has occurred.
 
School is in session. Please pay careful attention when sharing the road with school buses.
 
by Denise Visco
 
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