Insurance Tip Thursday: Ask Steve Edition
Are you curious on what your Homeowners insurance policy includes? Watch our video to find out more!
10 Swimming Pool Safety Tips
Summer time is here and it’s time to “dive in”. Whether you have a luxury in-ground pool, or plan on installing one in the near future, it is essential to consider the safety effects that come with this special feature of your home.
Before you and your family jump in to cool off, consider taking the following steps:
1. Contact your town or municipality to make sure you comply with your local safety standards and building codes.
2. Call your insurance agent or company representative to advise them that you have a pool and speak to them about an umbrella liability policy for additional liability protection.
3. Install a four-sided barrier such as a fence with self closing gates to completely surround the pool.
4. If the house forms the fourth side of the barrier, install alarms on doors leading to the pool area to prevent children from wandering into the pool or spa unsupervised.
5. Never leave small children unsupervised—even for a few seconds.
6. Keep children away from pool filters and other mechanical devices as the suction force may injure them or prevent them from surfacing.
7. Before allowing your company access to your pool or spa, ask them if they know how to swim. Learners should be accompanied by a good swimmer.
8. Check the pool area regularly for glass bottles, toys or other potential accident hazards.
9. Limit alcohol use around the pool. An impaired family member or friend can put themselves in great danger while under the influence and near the pool.
10. Clearly post emergency numbers on the phone, in the event of an accident.
Consider taking these steps this pool season and go the extra mile by purchasing an umbrella policy to protect you above and beyond what your homeowner’s policy would normally.
Give C.H. Edwards a call today at 516-249-5200 for a free no obligation quote on an umbrella policy.
For more information visit our website at www.chedwards.net or email us at info@chedwards.net.
Swim Safely this Summer Season!
Written by: Amanda Haase
It’s Hurricane Season on Long Island and Now Is The Time To Start Preparing
It’s Hurricane Season on Long Island and now is the time to start preparing for a possible storm. Natural Disasters can be a devastating time for families, but being prepared for these events can help the healing process, not only for your personal property, but healing as a family.
Follow these tips when preparing for a Hurricane:
Before a Hurricane
-Locate your residence’s emergency water shut-off valve and remove any shrubbery or obstructions.
-Turn off the emergency water shut-off valve if you are leaving your residence. This will help minimize damage to your homes interior should a pipe burst.
-If you turn off the water in your home, make sure to turn off the hot water heater. Some water heaters can be damaged if water supply is turned off for an extended period of time.
-Locate your sewer clean-out lid and remove any shrubbery or obstructions in case the clean-out needs to be utilized after the storm.
After a Hurricane
-Due to power outages, understand that you could be operating under limited conditions and pressures could be reduced.
-Limit the amount of toilet flushing.
-Avoid running a dishwasher and clothes washer.
-Limit the amount of water used when bathing
IT IS BEST TO CONSERVE ALL WATER THAT IS AVAILABLE AT THIS TIME!
Now is the time to call your local Insurance Agency and make sure that your home is covered properly and if a Flood Insurance Policy is necessary in your area.
Remember, Hurricane season is among us. Be prepared before a storm hits. If you have damage to your home or car during a Hurricane make sure to contact your Insurance Agent promptly to ensure a speedy recovery.
If you have any questions regarding Hurricane damage or you are interested in a quotation for a Flood policy, give C.H. Edwards, Inc. a call at 516-249-5200 and our Flood Insurance specialist can assist you in finding coverage that is best fit for your home.
*Please be advised, that any flood related damages to your home, are not covered in a typical homeowners policy. An additional flood policy is required, to be covered for hurricane damage.*
Visit our website www.chedwards.net
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Written by: Amanda Haase
Five Ways To Cut the Cost of Your Homeowner’s Insurance
Having a homeowner’s insurance policy is necessary when owning a home, but why over pay when you don’t truly have to? Homeowners insurance premiums have risen over the past several years almost double to triple the amount it used to be. If you are looking to cut your costs but not your coverage, see how these 5 tips could help put some more “jingle” in your pocket.
Raise Your Homeowner’s Insurance Deductible: Your deductible is the amount of risk you agree to accept before the insurance company starts paying on a claim. If you have a low deductible of $50 or $100, consider raising your deductible to $500 or $1,000. Raising this limit could save you up to 25% on your premium.
Combine Your Homeowner’s Insurance and Auto Insurance Policies: Having a package policy can save you 5% to 15% if you buy two policies at one time. Shop around and make sure that the coupler price for your Home and Auto is lower than buying the two polices from two separate agencies.
Make Sure you are Receiving All The Discounts You Are Eligible For: Discounts such as smoke detectors, deadbolt locks, security and fire alarms and fire extinguishers in the home can offer you a discount. As well as if you are 55 or older and retired, you may qualify for a 10% discount.
Don’t Buy Homeowners Coverage You Don’t Need: It makes no sense to buy coverage to protect yourself against risks and situations that you may never encounter. For example, buying earthquake coverage when you live in a non-earthquake zone or buying a personal articles floater when you do not own expensive jewelry.
Completing Updates To Your Home: Your home is your biggest investment. Completing updates in your home such as, roofing, plumbing or heating can make you eligible for a discount.
Before you renew or even shop for a homeowner’s policy, it is important to ask questions and review your coverages to ensure that you are properly covered. Call C.H. Edwards, Inc . and find out some of the many ways that we can help you save. Our Customer Service Representatives are happy to assist you Monday-Friday from 8:30am-4:30pm. Give us a call at (516) 249-5200 or visit our website at www.chedwards.net for more information.
Written by: Amanda Haase
Five Ways To Cut the Cost of Your Homeowner’s Insurance
Having a homeowner’s insurance policy is necessary when owning a home, but why over pay when you don’t truly have to? Homeowners insurance premiums have risen over the past several years almost double to triple the amount it used to be. If you are looking to cut your costs but not your coverage, see how these 5 tips could help put some more “jingle” in your pocket.
Raise Your Homeowner’s Insurance Deductible: Your deductible is the amount of risk you agree to accept before the insurance company starts paying on a claim. If you have a low deductible of $50 or $100, consider raising your deductible to $500 or $1,000. Raising this limit could save you up to 25% on your premium.
Combine Your Homeowner’s Insurance and Auto Insurance Policies: Having a package policy can save you 5% to 15% if you buy two policies at one time. Shop around and make sure that the coupler price for your Home and Auto is lower than buying the two polices from two separate agencies.
Make Sure you are Receiving All The Discounts You Are Eligible For: Discounts such as smoke detectors, deadbolt locks, security and fire alarms and fire extinguishers in the home can offer you a discount. As well as if you are 55 or older and retired, you may qualify for a 10% discount.
Don’t Buy Homeowners Coverage You Don’t Need: It makes no sense to buy coverage to protect yourself against risks and situations that you may never encounter. For example, buying earthquake coverage when you live in a non-earthquake zone or buying a personal articles floater when you do not own expensive jewelry.
Completing Updates To Your Home: Your home is your 
biggest investment. Completing updates in your home such as, roofing, plumbing or heating can make you eligible for a discount.
Before you are renewing or even shopping for a homeowner’s policy, it is important to ask questions and review your coverages to ensure that you are properly covered. Call C.H. Edwards, Inc . and find out some of the many ways that we can help you save. Our Customer Service Representatives are happy to assist you Monday-Friday from 8:30am-4:30pm. Give us a call at (516) 249-5200 or visit our website at www.chedwards.net for more information.
Written by: Amanda Haaase
Identity Theft: Should You Carry It On Your Homeowners Policy?
If you are a Homeowner, and carry a Homeowners policy, you might be wondering whether or not it is worth it to endorse identity theft coverage onto your policy.
“What is identity theft?” “What is the chance of it happening to me?”
Identity theft is fraudulent acquisition and the use of a person’s private identifying information. Identity theft happens to over 15 million people in the United States every year. There is no doubt that you could be at risk of identity theft.
Before you decide whether or not to add identity theft onto your homeowners insurance, it is important to understand what the endorsement covers and does not cover.
Identity theft coverage will cover:
The expenses involved in repairing your credit and restoring your identity. This could include things such as lost wages, legal fees, any fees associated with reapplying loans and the cost of phone calls, postage and notarization during the credit-reparation process.
Identity theft coverage will NOT cover:
Any assets that were taken due to the identity theft. Identity theft will only cover the expenses related to restoring your credit. Theft from your bank account would be covered by your bank’s zero-liability policies, not from your identity coverage policy on your homeowners policy.
Some homeowner’s policies already include identity coverage. In any case, it is important to check with your insurance company or agent to see if your current policy includes these benefits.
Even if your policy doesn’t, identity theft coverage can often be added for only $15-$60 per year.
If you have any questions regarding your homeowners policy and if you have identity theft coverage, give C.H. Edwards, Inc. a call. Our Personal Lines Representative will be able to find coverage that best fits your individual needs.
Visit our website at www.chedwards.net or call 516-249-5200.
Written by: Amanda Haase
Discounts on your Insurance are available!
There are many different types of discounts that we can make available to our customers. The first is a coupler discount. This means that your home and auto are insured together. Another discount can be added if an umbrella policy is included in the package. Some of the other discounts that we can make available to you are age of home, home buyer, renovations, claim free, retirement, gated community, and protective devices.
C.H. Edwards, Inc. is an Independent Insurance Agency who represents over 15 A+ rated, highly competitive insurance companies. We specialize in Auto Insurance, difficult to insure Long Island homes, as well as a full range of Commercial Insurance. Flood insurance and Life insurance are also available at competitive prices. Let our Independent Agents do the shopping for you!
Does any of this sound interesting to you? Make a no obligation phone to C.H. Edwards, Inc. today and let us tell you how these discounts can help you save even more money! Don’t delay, give us a call today.
Let us make today a great day!
(516) 249-5200