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

You Made it through the Holidays, Now take time to Just Breathe!

You Made it through the Holidays, Now take time to Just Breathe!

Wellness Wednesday
 
You made it through the Holidays, Now take time to Just Breathe!
 
The hustle and bustle of the holidays are over. The shopping, holiday parties, late nights, overindulgence of all the holiday favorites are now behind you. Take the time to Just Breathe!
 
The idea of New Year Resolutions weigh on your mind and the conversation of the New Year brings a fresh start and new opportunity, Don’t let this overwhelm you. Just Breathe!
 
It is natural to put this pressure on yourself with all the conversation that revolves around the New Year. More celebrations, starting a diet or fitness program, putting away the holiday decorations and taking on holiday returns. Just Breathe!
 
Pace yourself and be kind to yourself. There is plenty of time to get all of these things done. Take this time for yourself and Just Breathe!
 
Breathing is a daily function that keeps us alive but the flow of oxygen and the release of the breath during an exhale involves many functions in our body. Take time to consider this. During the exhale, oxygen is transferred into the bloodstream, decreasing stress, which is critical on days that you need the most energy.
 
It is recommended that an energizing breath be one where you breathe in through your nose while counting to four, then exhale through your mouth and count to four. Repeat this five to ten times. Be Mindful. During this time try to clear your mind of to-do lists and concerning thoughts. It is also important to stay hydrated during this exercise. Take this time for you and Just Breathe!
 
Wellness Wednesday topics are designed to bring topics of wellness to your attention and should never be viewed as medical advice or to replace a medical professional.
 
Your feedback is important to us. Please let us know if you have tried any of these tips or if there are any topics that you would like to see covered.
 
by Denise Visco
 
For more information on Home, Auto, Business, Life, Umbrella or Flood Insurance contact C.H. Edwards, Inc.
www.chedwards.net
 
#WellnessWednesday #JustBreathe #NewYearResolutions #BeKindtoYourself #Mindfulness #LongIslandInsurance #CHEdwardsInsurance #Farmingdale #ViscoFamilyInsurance #WadingRiver
Decorating Safely for the Holidays

Decorating Safely for the Holidays

Don’t let fire or accident spoil your holiday season.  Use these tips to keep your family safe while celebrating all winter long!

The winter holidays are a time for fun, family, and festivities.  That often means more cooking, decorating, entertaining and shortcuts.  Christmas trees, candles, and holiday lights are responsible for hundreds of fires and accidents each year.  Before you deck your halls, make sure you’re following these safety tips.

-Inspect your holiday decorations carefully to make sure there are no loose or frayed wires.  Choose those made with flame-resistant, flame-retardant or non-combustible materials.

-Keep candles away from decorations and other combustible materials, and do not use candles to decorate your Christmas tree.

-Purchase only lights and electrical decorations bearing the name of an independent testing lab, and follow the manufacturer’s instructions for installation and maintenance

-Do not overload extension cords.

-Always unplug lights before replacing light bulbs or fuses.

-Don’t use clips or nails that puncture your light cords wire insulation.

-Keep children and pets away from light strings and electrical decorations

-Turn off all lights and decorations when you head out for the day or go to bed at night.

-Test your smoke alarms to make sure they are working properly as a backup

-If you have a real tree, keep it moist by watering frequently.

-Candle fires in the home are reported to a U.S. Fire Department every 34 minutes during the holidays.  If you are decorating with candles, make sure they are far away from any item that can burn such as furniture, bedding, curtains or other decorations.

Follow these safety tips to ensure Happy Holidays for all!

These tips are designed as general information that may apply to many situations.  Please take them and apply them to your specific information.

For more information on Home, Auto, Business, Life or Flood Insurance, contact the specialists at C.H. Edwards, Inc.  We are happy to provide you with the information that will best protect your family.  www.chedwards.net

 

 

 

 

 

Why Washing Your Car In The Winter Is So Important

Why Washing Your Car In The Winter Is So Important

If you live in a snowy area like here in New York, chances are your car is looking pretty dirty these days.

Road salt, dirt, and snow can make your car unrecognizable.

Washing your car during the winter season may seem like a waste of time, but, it is worth it in the long run.

Road salt and moisture can cause rust on a car. Not only is rust hard to stop but it can truly do damage to your vehicle.

Taking care of your car now means that it will last longer and its overall value will remain high.

Be sure to give your vehicle a rough scrub and a waxing. Pay close attention to the areas behind the wheels, quarter panels and front grille. These are the main areas where salt and dirt are collected.

If you don’t want to do the work yourself, invest a few dollars at your local car wash. Chances are for the price you pay, your car will get an excellent wash and wax.

Winterizing your car doesn’t have to be expensive or difficult. It just takes a little time.

How will you take care of your car this winter season?

Fire Place Safety

Fire Place Safety

The chilly months are here and there is no better way to warm up than next to your fire place.

It’s important to use extra precautions when burning wood in your fire place. Just a few simple safety tips will go a long way when it comes to protecting your home and family from a possible mishap.

Only burn dry, cured wood. Wood that has been split, stacked and dried for eight to twelve months is ideal.

Burn Firewood and only firewood! Other woods such as construction scraps, painted wood’s and treated woods release chemicals into your home. Not only does this compromise the air quality in your home but it can be deadly in some situations.

Have a chimney cap installed. This will prevent objects and critters from entering through and coming in your home.

Be sure to install carbon monoxide and smoke detectors near your fireplace as well as hallways and bedroom areas.

Do you have any fire place safety tips to share with us? Let us know!

Stay safe and warm this winter season.

 

Maintaining Your New Year Resolutions

Maintaining Your New Year Resolutions

New Year’s Resolutions can be hard to keep when your list of goals is as long as your shopping list. Add on some stress and post-holiday slump and you’re feeling hopeless!

Don’t panic! Here are some tips to help keep your resolutions in check and on track.

Start small. Don’t jump into an unrealistic resolution. For example, instead of promising yourself to go to the gym five times a week, make a promise of three days. This will help you feel more accomplished and help your strive towards the five days.

Change one behavior at a time. Don’t get overwhelmed and think that you have to reassess everything in your life. Instead, focus on changing one thing at a time.

Talk about it. Share your goals and expectations with your family and friends. Having a support system will help you in achieving your goals.

Don’t beat yourself up. If you promised yourself to eat healthy this year and splurge on a bowl of ice cream. Don’t get down about it. We are all human and we are far from perfect. One bowl of ice cream or even a cookie will not permanently destroy your resolution. Everyone has up and downs. Simply recover from your mistakes and get back on track.

What are your New Year resolutions for 2018?

 

Tips To Prevent Frozen Pipes

Tips To Prevent Frozen Pipes

This Winter is forecast to be one of the coldest on record. Many homeowners and businesses will be experiencing frozen water pipes.

Low temperatures of 20 degrees and below can result in frozen or burst water pipes.

Here are some precautions to take when avoiding frozen or bursting pipes in your home:

– Keep your heat up to at least 60-65 degrees.
– Run faucets at a slow trickle.
– Seal any areas where there is a draft.
– Open up your cabinet doors to let heat into closed spaces.
– Remove hoses from outside yard faucets.

If your pipes DO freeze, it’s OK! Just because they are frozen it does not mean they will burst. Here is what you can do:

– Leave your faucets open and call a plumber.
– Do not use a torch or open flame to thaw a frozen pipe.
– Try thawing the frozen pipe with a hairdryer. Start with the pipe closest to the faucet and work your way to the coldest section.

In the event your pipes have burst, turn off the water at the main shut off valve and leave your faucets on. It’s important that every member of your home know where the main shut off valve is located.

For more information, the damages and repairs that are covered under your homeowner’s insurance due to a burst pipe, contact our Homeowners Insurance specialists at (516) 249-5200 or visit our website at www.chedwards.net

 

Insuring Your New Holiday Gifts!

Insuring Your New Holiday Gifts!

The presents have been opened and Santa is headed back to the North Pole to prepare for next year’s big trip.

Was Santa extra good to you this year? Maybe you received those diamond earrings you’ve been wanting or even your dream car!

No matter how big or small, let C.H. Edwards, Inc. help insure your precious holiday gifts.

We offer a wide variety of coverage’s such as:

  • Automobile
  • Motorcycle
  • Snowmobile
  • RV
  • Jewelry
  • Fur
  • Camera

and so much more!

Don’t know what coverage is right for you? Give us a call at (516) 249-5200 and let our specialists help in finding you the perfect policy or visit our website at www.chedwards.net.

For more information on the coverage’s, we offer or a free quotation, visit our website at www.chedwards.net.

C.H. Edwards, Inc. wishes you and your loved ones a happy and prosperous New Year!

 

How to Make Existing Windows More Energy Efficient

How to Make Existing Windows More Energy Efficient

The colder months are officially among us! Drafty windows in your home make it less comfortable for you and your family by allowing cold air to enter your home during these fall and winter months. Not only is this a cause for discomfort but it also has a negative impact on the environment.

Leaky windows require heating systems to work harder, therefore increasing energy consumption. You can help keep your home warm while being more energy efficient with a few of these helpful tips:

Caulk or add weather stripping. Small cracks and gaps around windows, which are most often found around windows in older buildings, might not seem like a big deal but can be the biggest reason as to why you have a draft! Fixing these small cracks will go a long way when it comes to keeping your home warm and saving energy.

Install window films. Plastic window films are another option for homeowners looking to keep their home warm and save energy. Heat shrink film can be cut to fit each individual leaky window in a home and help save you tons on energy costs.

Once you have sealed up the cracks and gaps in your window, be sure to open your curtains during the day time. The natural light shining in will warm your home up.

Drafty and leaky windows are bad for homeowners! Not only does it cause you to be uncomfortable but it can drive up your energy bill. Thankfully, there are options!

For information on homeowners insurance or how to save on your homeowners’ premium, give us a call at 516-249-5200.

 

Transportation Network Companies

Transportation Network Companies

TNC/Ridesharing has become a popular trend over the past year. However, many consumers have unanswered questions when it comes to ridesharing and insurance.

What is a “TNC”?
TNC stands for “Transportation Network Company”. TNC’s are the companies that offer a ridesharing service. Companies such as Uber and Lyft are examples of popular “TNCs”.

What is “Ridesharing”?
Ridesharing is the use of a personal, non-commercial, privately owned vehicle to provide pre-arranged transportation to others. Passengers request a ride though the Transportation Networks app.

What is a “TNC Driver”?
A TNC Driver is someone who uses their personal, non-commercial vehicle to provide rides for others.

Who must provide insurance for the TNC Driver?
New York State law requires that a TNC provide primary insurance coverage for their drivers through a group policy. TNC drivers are able to obtain their own insurance but must meet the same insurance requirements as the TNC is required to provide.

What are the required minimum limits of insurance?
Bodily Injury Liability: $75,000/$150,000
Property Damage: $25,000
Uninsured Motorist: $25,000/$50,000
Personal Injury Protection $50,000

Will the TNC Driver’s personal automobile policy provide physical damage coverage?
No! The TNC driver’s personal automobile policy will only provide physical damage coverage if an insurer provides the coverage for a TNC drivers vehicle through an endorsement.

Is there an age and licensing requirements to become a TNC driver?
Yes, New York State law requires that TNC drivers must be at least 19 years old and hold a valid and current New York State driver’s license issued by the New York State DMV.

Are there any requirements to become a TNC driver?
Yes, the New York State DMV requires that the TNC conduct a criminal history background check along with a review of the applicant’s driving record. TNC’s must also verify that the applicants vehicles are properly registered and inspected.

If you are a TNC driver or are thinking of becoming one and have questions regarding your insurance, please give us a call at (516) 249-5200 and one of our automobile specialist will be happy to assist you.

 

#NewYorkCentralMutual