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
 
#WellnessWednesday #SchoolBusSafety #FlashingLights #NescoBusCompany #Wecareaboutourstudents #ItstheLaw #Fine #BusCameras #LongIslandInsurance #CHEdwardsInsurance #ViscoFamilyInsurance #WadingRiverInsurance #StevenVisco #DeniseVisco
April is Autism Awareness Month or should it be renamed Autism Acceptance Month?

April is Autism Awareness Month or should it be renamed Autism Acceptance Month?

Wellness Wednesday

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
Steven’s Mom

#WellnessWednesday #AutismAwareness #AutismAcceptance#ILoveSomeonewithAutism #AprilisAutismAwarenessMonth#DifferentNotLess #challenges #hope #dreams #recognition #StevenVisco #StevenMVisco #AcceptallofUs #DeniseVisco#LongIslandInsurance #CHEdwardsInsurance

Refuel your body with some Vitamin D

Refuel your body with some Vitamin D

Wellness Wednesday

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

The benefits of Lemon Water

The benefits of Lemon Water

Wellness Wednesday
 
The benefits of Lemon Water
 
Water with lemon is a terribly underrated beverage. There are so many health benefits to this simple beverage that are so often overlooked or misunderstood. Let’s take a look at the benefits of lemon water and show you why a beautiful bowl of lemons on your counter can be just what you need this Winter.
 
Drinking warm water with lemon on an empty stomach can help you manage your weight. A study by the Journal of Biochemistry and Nutrition found that lemon polyphenols (found in the peel and the juice) suppressed weight gain and fat increase from a high-fat diet. This doesn’t directly help you lose weight but this helps you not to gain weight. When paired with a healthy diet and an exercise routine, drinking lemon water may help support your weight loss goals. Why not try and replace a cup of coffee with some warm lemon water this morning?
 
Lemons can help with some of the symptoms of the common cold. There is no cure for the common cold but lemon has natural properties that you can benefit from when you drink water infused with it. Lemon helps to break up congestion and can help rid you of mucus faster. Lemon can also soothe a sore throat when paired with honey. It also gives you a healthy dose of Vitamin C known to help reduce the effects and length of the common cold. Give this a try to help in your fight to get ahead of this cold season.
 
Adding lemon to your water will help to boost your water intake. So many of us don’t like to drink water even though we know how important it is. We need water to survive and we need a lot of it! On average 60% of the body is made of water so even if you don’t like the taste, you still need to drink it. Lemon can be just the boost you need. It is very low in calories and high in a lot of other good things. The lemon may mask the flavor you find intolerable.
 
Lemon on its own packs quite the health benefit. Vitamin C in combination with the citrus bioflavonoids in the lemon cause your blood to circulate more freely, leading to increased energy. The acid in lemon juice aids the digestive system in breaking down food faster so that your body can use it for energy.
 
There is so much more to lemon water than the crisp and refreshing taste. Lemon can benefit your health in so many ways. It is safe and can’t hurt to try unless you suffer from a citrus fruit allergy. So if you can, what do you have to lose? Give it a try!
 
The information in Wellness Wednesday is designed to be informative and not replace the recommendations of a physician.
 
by Denise Visco
 
For more information on Home, Auto, Business, Life, and Flood Insurance, visit our website at www.chedwards.net.
 
#WellnessWednesday #Lemons #Benefits #VitaminC #JournalofBiochemistryandNutrition #CitrusAllergy #LongIslandInsurance #CHEdwardsInsurance #FarmingdaleInsurance #ViscoFamilyInsurance #WadingRiverInsurance #Home #Auto #Business #Life #Flood #DeniseVisco #StevenVisco
Keeping your Skin Healthy in the Winter

Keeping your Skin Healthy in the Winter

Keeping your Skin Healthy in the Winter
 
Winter weather is not the best for your skin. Cold weather and low humidity levels result in dry air that steals moisture from your skin. Indoor heat, hot showers, and harsh cleansers also reduce moisture in your skin. This lack of moisture leads to chapping, redness, itching that is just plain uncomfortable. What can you do to try to beat these conditions and keep your skin healthy this Winter? Try some of these tips.
 
1. Wash with Lukewarm Water
 
Hot Showers and baths feel good, but when washing your hands or face choose lukewarm water to avoid stripping too many oils from your skin.
 
2. Moisturize as much as possible.
 
Keep moisturizer with you at all times and also keep it located in the bathroom near your sink and shower so it is available to use liberally every time you wash.
 
3. Choose Moisturizers Carefully
 
Some over-the-counter moisturizers have petroleum-based ingredients that can actually further dry your skin in winter months. Be sure to find a formula that has natural, nourishing ingredients. Look for something oil based rather than a water-based solution. Look for hydrating ingredients like lavender, chamomile or jojoba which help to soothe dry, itchy skin.
 
4. Protect your skin
 
Wear gloves and scarves. Don’t forget sunscreen. Winter sun can be just as damaging as summer.
 
5. Exfoliate
 
Moisture can’t get in if dead skin cells are plentiful. Find an exfoliating mask that you can use on your face, hands, and lips then follow up with a moisturizer. Exfoliating body washes are also helpful in winter months.
 
Try some of these tips to help keep that healthy glow all winter long.
 
The tips offered in Wellness Wednesday are suggestions for keeping healthy and do not replace the advice of a physician.
 
by Denise Visco
 
For more information on insurance, visit our website at www.chedwards.net
 
#WellnessWednesday #Winter #HealthySkin #Health #SelfCare #LongIslandInsurance #Auto #Home #Business #Life #Flood #CHEdwardsInsurance #FarmingdaleInsurance #ViscoFamilyInsurance #WadingRiverInsurance #StevenVisco #DeniseVisco
Driving Safely in Snow and Ice

Driving Safely in Snow and Ice

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 

  1.  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.
  2. Brake gently to avoid skidding.  If your wheels start to lock up, ease off the brake.
  3. Turn on your lights to increase visibility to other motorists.
  4. Keep your lights and windshield clean.
  5. Use low gears to keep traction, especially on hills.
  6. Don’t use cruise control or overdrive on icy roads.
  7. 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.
  8. 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.
  9. 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.

For more helpful insurance tips and information visit us on Facebook at www.facebook.com/chedwardsinsurance

by Denise Visco

Do you know what the slowdown and move over laws mean?

Do you know what the slowdown and move over laws mean?

Insurance Tip Thursday
 
Do you know what the slowdown and move over laws mean?
 
Your driving and see emergency vehicles with flashing lights coming up behind you or stopped alongside the road as your passing, what do you do?
 
Under NYS law, drivers must exercise due care when approaching vehicles that have their emergency lights illuminated. On highways, that includes moving out of travel lanes next to shoulders, if possible.
 
There are versions of the Slow down, move over law in all 50 states. If you are unaware of your states law, visit DrivingLaws.AAA.com.
 
For more information on Auto, Home, Business, Life or Flood Insurance visit our website at www.chedwards.net
 
by Steven Visco
 
#InsuranceTipThursday #SlowDownMoveOver #ItstheLaw #All50States #AAA #LongIslandInsurance #StevenVisco #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

 

 

 

 

 

October is Long Term Care Planning Month

October is Long Term Care Planning Month

October is Long-Term Care Planning Month

What is Long-Term Care?
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facilities.

For more information on Long-Term care insurance plan that is right for you and your family and to receive a quote, contact Steven Visco at C.H. Edwards, Inc. at 516-249-5200. www.chedwards.net

#LongTermCareInsurance #OctoberisLongTermCarePlanningMonth#CHEdwardsInsurance #LongIslandInsurance #LifeInsurance #StevenVisco