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