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
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

What is a Notary Public?

What is a Notary Public?

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.

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

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