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

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

 

The Gift of Life Insurance

The Gift of Life Insurance

The holiday season is officially here and people everywhere are shopping for the perfect gifts for their loved ones.

Why not give the gift of life insurance this holiday season? When you give the gift of life insurance, you are giving the gift of financial stability for the future.

When you purchase life insurance for someone else, the application will need that person’s name, date of birth, and often their social security number. You will also need to provide health information on the insured, even if you are buying a policy for a child.

Although there may be a few obstacles along the way, keep in mind that life insurance is the only financial product that guarantees financial stability for the future.

If you are interested or have questions regarding life insurance for you or a loved one, give us a call at 516-249-5200 and let us help your holiday wishes come true.

We wish you a very happy holiday season from the management and staff at C.H. Edwards, Inc.

 

Renters Insurance for Your College Student

Renters Insurance for Your College Student

Do you have a child heading off to college this upcoming school semester?
If you do, now is the time to look into a renter’s policy to ensure the safety of their personal belongings.

Research shows that 60% of renters do not carry renters insurance. Many consumers think that they can’t afford it, or it’s not important.

The truth is renters insurance is one of the most affordable and most important policies to have when becoming a renter. The average cost of a renter’s policy is about $15 a month! That makes it easy and affordable for you and your hard working college student!

As a renter, you need coverage for your furniture and other personal belongings such as clothes, computer equipment, sports gear, art, jewelry and everything else you own.

Think about how much it would cost you to replace everything you own.

A Renters policy protects you if your covered property is lost, stolen, damaged or destroyed regardless of where it is when the loss occurs, such as while you are moving it or even in another’s home.

For more information on renters insurance, please give us a call at 516-249-5200.

 

Save Money While on Vacation

Save Money While on Vacation

Going on vacation often means indulging here and there on purchases. When you travel, you may want to be sure you are spending your hard earned money in the smartest ways.

Here are some suggestions on how to make your next vacation memorable and affordable!

Be flexible – Travelers who are flexible in their departure dates and times can usually find great deals and rates because they have the ability to shop price instead of date.

Pack light – Many airlines now charge extra for baggage fees, especially suitcases. Pack only the necessities.

Use coupons – Coupons aren’t only for getting cents off your brand tissue at the supermarket. Coupon and discount codes are available for just about any purchase – even vacations. Check all travel websites to see if there are any deals and specials going on when booking your trip.

Plan meals – Look into economical restaurants before departing. Know where you’ll be eating and when.

Rent small – If you are renting a car, choose the smallest model that will fit your needs. In addition, there is no need to pay for a large room that you don’t plan to spend much time in.

Consider public transportation – Investigate public transportation options near your destination. Such options may not be as convenient as taxis, but they may be more economical.

Make your next vacation unforgettable!

 

 

Summer Guide to U-Pick Lewin’s Farm!

Summer Guide to U-Pick Lewin’s Farm!

Summer is here and that only means one thing, fresh summer produce! If you love fresh fruits and vegetables, check out one of Long Island’s many “U-Pick” farms on the east end! With a wide variety of choices ranging from blueberries, raspberries, blackberries, peaches, tomatoes, peppers, eggplants, and more, you and your family are sure to find something you all love!

Lewin’s farm on Sound Avenue in Calverton offers many fun, family activities along with their “U-Pick” farm experience.

Even if you don’t feel like picking your own produce, Lewin’s offers a huge farm stand of already picked fresh produce right at your fingertips.

While there, make sure to take a drive down Sound Avenue and see what other farms and stands can offer you.

Its summer fun for the whole family, don’t miss out on this year’s summer picking season.

Lewin Farm
812 Sound Avenue
Calverton, NY 11933
Phone: 631-929-4327

 

Looking for a twist on your weekend breakfast/brunch?

Try some Cheese and Blueberry Danish

What you need:

  • 1 package (8 oz.) refrigerated crescent dinner rolls
  • 4 oz. package of cream cheese
  • Sugar to taste
  • ½ cup of Blueberries

How to make it:

  • Heat your oven to 350 degrees
  • Unroll the crescent rolls onto a greased baking sheet
  • Use two triangle pieces to make one square (you will have four at the end)
  • Pinch the seams to hold the dough together
  • In a bowl, mix the softened cream cheese and sugar until it is as sweet as you like
  • Spread a spoonful of cream cheese onto the dough and top with a handful of blueberries
  • Bring opposite corners of rectangles together and press together to seal.
  • Bake 11 to 13 minutes or until golden brown

Enjoy!