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
April is Autism Awareness Month or should it be renamed Autism Acceptance Month?
April has been slated to share two acknowledgments to Autism, World Autism Awareness Day and Autism Awareness Month but what does this really mean. With 1 in 36 children being diagnosed with Autism, is there really anyone left who is not aware? With 1 in 36 is there a person who has not been affected by autism? A family member, a friend, someone who bags your groceries at the supermarket, the person who refills your drinks or cleans your table at your favorite restaurant. Everyone is aware, but have we accepted that this is the future?
Research dollars are raised and spent every year and we are no closer to an explanation for the annual rise in the autism rate. Why does this sound so personal to me? Because it is!
My family recognizes Autism Awareness/Acceptance Day every day. My amazing 24-year-old son Steven is an adult living with autism. Autism took away his ability to have a “normal” life, but he has a happy life surrounded by family and friends that love him for the incredible person he is and together we have supported him while creating a life that re-defines “normal”. Steven is a talented musician, he plays baseball, basketball, golf and he is on a bowling league. He volunteers at Save A Pet, works at his parent’s insurance agency when appropriate projects are presented, is in a book club, takes nature classes, loves classic cartoons, enjoys social activities with friends and loves his family. Most recently, Steven had the opportunity to attend the Campus Experience at Stony Brook University College. He works hard learning to express himself like others around him through Speech Therapy and continues to make strides although the reality is he will never be able to have a conversation. That has not stopped him from participating in the activities he loves, making his intentions clear to all or to express love to the many people he cares so much about. Steven teaches everyone around him that autism means he is differently abled but not less. He approaches every challenge presented to him and gives it his all. Steven has a happy life and is rarely sad. He has been an active part of creating a life that is perfect for him. Steven may not ever be a full-time college student or get married but that is not what he was meant to do. I believe he is here to teach acceptance and for that, I am extremely proud! Steven starts each day with his three words, handsome, smart and strong. Saying these words give his life meaning and purpose and he carries his purpose in all that he does. That is Autism Acceptance and this is what the world needs more of.
So the next time someone asks you if you’re going to wear blue or “Light it up Blue for autism, make the choice instead to share Steven’s Story. It is a story of acceptance and not awareness. People are aware but that doesn’t stop the finger pointing, judgment, and unrealistic expectations. It’s harder to learn to accept and be part of the much-needed change, a movement toward Autism Acceptance!
by Denise Visco
#WellnessWednesday #AutismAwareness #AutismAcceptance#ILoveSomeonewithAutism #AprilisAutismAwarenessMonth#DifferentNotLess #challenges #hope #dreams #recognition #StevenVisco #StevenMVisco #AcceptallofUs #DeniseVisco#LongIslandInsurance #CHEdwardsInsurance
Are you feeling a little run down? Spending more time indoors and less outside soaking up the sun may leave you vitamin D deficient.
Have a delicious lunch packed with Vitamin D! Vitamin D fuels your body’s T cells, which fight bacteria and viruses. Research shows that nearly half of all people have a D vitamin deficiency by the end of the Winter.
By eating foods high in Vitamin D you will get closer to the 600 IU daily allowance per day. Fatty fish is a good option. 3 oz. of salmon has 479 IU and 3 oz. of canned tuna has 154 IU. Other good sources are milk (1 cup=115-125IU), eggs (1 large with yolk=41IU)and D-fortified orange juice (1 cup=137IU).
Give it a try and see how good you will feel. Soon enough we will get that extra dose from being outside in the sunshine!
by Denise Visco
Have you ever wondered who the real St. Patrick was? Why do we celebrate with parades and big celebrations? Each year millions of people around the world celebrate this patron saint of Ireland without any knowledge if his life or why he is so important to the Emerald Isle.
St. Patrick was not Irish. He was born in Wales, a Roman territory at the time in 385 AD and was raised in a wealthy family. His given name was Maewyn, though some say it was Succat, a Celtic word meaning “warlike”. His father was a Roman official so Maewyn was also known as Patricus. When he was 16 he was captured by a clan of Irish marauders and taken to Ireland as a slave. Once in Ireland, he was sent to County Antrim to be a shepherd. During this time, he worked outdoors away from people. Lonely and afraid he turned to religion for solace becoming a devout Christian.
After six years as a slave, Patrick escaped and made his way back to his family. He began studying in a monastery and there he heard the voice of God telling him to return to Ireland to convert the Pagans to Christianity. This he did as Bishop to Ireland in 432. His first church was in Saul in Northern Ireland. Patrick brought many monasteries to Ireland and was thought to have single-handedly responsible for bringing Christianity to Ireland. Patrick explained that the shamrock with its stalk and three separate leaves represented the father, son and holy ghost, the three aspects of the Christian God.
March 17, 481 is considered to be the day St. Patrick died. St. Patrick’s Day celebrations began in Ireland as a holy day. The first parade was held in Boston in 1737 and in NYC in 1762 as a response to the prejudice against the Irish-Catholic people. In an effort to promote cultural pride and acceptance, the Irish community banded together.
Today the Irish and the Irish-for-a-day around the world celebrate St. Patrick’s Day. From wearing green, green beer, green bagels, and the traditional corned beef and cabbage dinner, St. Patrick’s Day has come far from the recognition of the patron saint of the Emerald Isle.
No matter how you choose to celebrate, have a Happy St. Patrick’s Day and make safety a priority for your celebration.
A Notary Public (sometimes called a Notary or a Public Notary) is an individual authorized by the state or local government to officially witness signatures on legal documents, collect sworn statements and administer oaths. A notary public uses an embossing tool to verify his or her presence at the time the documents were signed. Most states issue a unique identifying number to each notary public in order to prevent fraudulent use of the embosser.
An attorney or other public figures can be granted notary public status, but no legal training is required to apply for the position. Certain legal documents are required to be “notarized” in order to be recognized in court, so a notary public spends most of his or her time observing routine signatures. Due to the fact that identities are so critical, a notary public may also spend some time verifying the names of the parties involved in the signing. Generally, all parties provide some form of official identification (Driver’s license, birth certificate, passport, etc.) in order for the notary public to feel comfortable about certifying the signatures.
A qualified notary public should have a high level of integrity and respect for the legal process. Several organizations offer courses on the legal and social aspects of becoming a notary public. Notaries can not discriminate on the basis of race, sex, creed or religion.
C.H. Edwards, Inc. has a licensed notary on staff and we offer this service to our clients Free of Charge. This is just an added benefit of choosing an Independent Insurance Agent.
Do not hesitate to come in and take advantage of the opportunity should the need arise.
Unfortunately, many people who have antique and fine jewelry do not insure it properly and a large segment of this uninsured jewelry is given as gifts. It can often be overlooked insurance until the item is lost or stolen. Here are four simple steps to help you make sure your fine jewelry, antique jewelry and jewelry gifts are protected.
- Gather together all the valuables you would like insured. Don’t forget any fine jewelry that household family members have and any heirloom and antique jewelry. Once gathered, take a photo of each piece and it is also a good idea to get an appraisal on any piece that would be difficult to value in a picture alone. Make a list of these pieces and the photos and place them in a safe deposit box along with any jewelry that you won’t’ be wearing on a regular basis.
- Review your current insurance for the coverage you already have. You may have some jewelry coverage currently on your homeowner’s or Renters insurance. Check with your insurance agent and ask how much coverage you have for your fine jewelry. Have specifics from your list on what types of jewelry you have and the approximate value.
- Get Quotes on Jewelry Insurance. If you need to purchase additional insurance above and beyond what your homeowners or renters policy limits, get a quote from your current agent first. They may be able to give you the best deal since you are an existing customer with other policies in force. If you decide to comparison quote, keep in mind the deductible and don’t forget to ask for discounts if the jewelry is being stored in a safe deposit box.
- After you have a good Insurance Policy, Don’t forget about storage and reassessments. Always keep your jewelry in a safe, preferably locked place, such as a safe deposit box. As mentioned above, this may make your insurance lower and of course will reduce the risk of your jewelry being lost, damaged or stolen. Also, remember to get your jewelry coverage reassessed when you get new jewelry or on a regular annual basis, especially on pieces that you feel may go up in value.
By Steven Visco
Winter weather is here and so is the task of driving in snow and ice. Of course, the best advice for driving in bad winter weather is not to drive at all if it can be avoided. This is not always an option so try not to go out until snow plows and sanding trucks have had a chance to do their work. Make sure and allow extra time to reach your destination.
Here are some tips to keep in mind for driving safely on icy roads
- Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.
- Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.
- Turn on your lights to increase visibility to other motorists.
- Keep your lights and windshield clean.
- Use low gears to keep traction, especially on hills.
- Don’t use cruise control or overdrive on icy roads.
- Be especially careful on bridges, overpasses and infrequently traveled roads which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
- Don’t pass snow plows and sanding trucks. The drivers have limited visibility, and you’re likely to find the road in front of them worse than the road behind them.
- Don’t assume your vehicle can handle all conditions. Even four-wheel drive vehicles can encounter trouble on winter roads.
Try to incorporate some of these tips into your winter driving experience and have a safe winter weather driving season.
For more information on Auto, Home, Business, Life, and Flood insurance, visit our website at www.chedwards.net.
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by Denise Visco