Is it time to convert your home heating system from oil to a more affordable, reliable and healthier gas?
Natural gas home heating is much cheaper than oil. Not only is it cheaper, but it is clean, safe, efficient and a more dependable energy source because it is produced in the United States.
To begin the conversion process, contact PSE&G and ask them to recommend one of their reputable installers if you do not already have one.
The contractor can find out if there’s natural gas within 100 feet of your home so that you do not have to pay a connection charge.
Once this is determined, the contractor will remove the old boiler and oil tank if it is located inside your home. If your tank is located underground, it can be abandoned and will no longer be used to store fuel. In place of the old heating system, a gas boiler and a separate hot water heater will be installed. The last and final step would be a safety inspection of the new equipment. This process can take some time, so make sure that you have enough of your current fuel source.
After that, you can enjoy a more affordable, safer, healthier and efficient way of heating your home.
Don’t forget to contact your insurance agent and advise them of your heating system updates.
For questions or more information on Homeowners insurance, please give us a call at 516-249-5200 or visit our website at www.chedwards.net
by Steven Visco
TNC/Ridesharing has become a popular trend over the past year. However, many consumers have unanswered questions when it comes to ridesharing and insurance.
What is a “TNC”?
TNC stands for “Transportation Network Company”. TNC’s are the companies that offer a ridesharing service. Companies such as Uber and Lyft are examples of popular “TNCs”.
What is “Ridesharing”?
Ridesharing is the use of a personal, non-commercial, privately owned vehicle to provide pre-arranged transportation to others. Passengers request a ride though the Transportation Networks app.
What is a “TNC Driver”?
A TNC Driver is someone who uses their personal, non-commercial vehicle to provide rides for others.
Who must provide insurance for the TNC Driver?
New York State law requires that a TNC provide primary insurance coverage for their drivers through a group policy. TNC drivers are able to obtain their own insurance but must meet the same insurance requirements as the TNC is required to provide.
What are the required minimum limits of insurance?
Bodily Injury Liability: $75,000/$150,000
Property Damage: $25,000
Uninsured Motorist: $25,000/$50,000
Personal Injury Protection $50,000
Will the TNC Driver’s personal automobile policy provide physical damage coverage?
No! The TNC driver’s personal automobile policy will only provide physical damage coverage if an insurer provides the coverage for a TNC drivers vehicle through an endorsement.
Is there an age and licensing requirements to become a TNC driver?
Yes, New York State law requires that TNC drivers must be at least 19 years old and hold a valid and current New York State driver’s license issued by the New York State DMV.
Are there any requirements to become a TNC driver?
Yes, the New York State DMV requires that the TNC conduct a criminal history background check along with a review of the applicant’s driving record. TNC’s must also verify that the applicants vehicles are properly registered and inspected.
If you are a TNC driver or are thinking of becoming one and have questions regarding your insurance, please give us a call at (516) 249-5200 and one of our automobile specialist will be happy to assist you.
The Summer Season is a fun time to enjoy the outdoors and all the activities that come with the warm weather.
If you’re planning to take a trip to your local water park, be sure to follow these important safety tips to help ensure the safety of yourself and other:
- Children under 48″, non-swimmers, and weak swimmers should wear a Coast Guard approved life vest while enjoying water park attractions.
- Children in diapers should be dressed in waterproof swim diapers to minimize leakage.
- Children should not ride attractions that are not suitable for their height, weight or age.
- Keep an eye on your children and make sure you know where they are at all times.
- Dress appropriately, and be sure to bring a dry pair of clothing to change into once you have had enough sun for the day.
- Apply waterproof sunscreen before leaving home and be sure to reapply throughout the day.
- Drink plenty of water to stay hydrated.
- Read the signs at every attraction and listen to all audio instructions provided by recordings or staff.
- Follow the lifeguards’ instructions and signal them if you or someone else is in trouble.
- If your group plans to split up, be sure to use the buddy system. This is an excellent way to make sure no one is left behind.
Enjoy your summer season safely!
Summer time is here once again. Unfortunately, with all the good that summer brings, the warm and humid weather also brings unwanted insects.
Here are some natural and safe remedies to help get rid of these pests and enjoy your summer.
Wasps. Wasps come back as soon as the warm weather turns. The colonies are getting bigger and this results in more aggressive and hungrier insects. These insects have a good quality of eating other dead insects, however they are a huge risk to anyone who is allergic to them. Wasps do not like any type of mint, so growing mint in your garden will be a deterrent. Mint is safe and non-toxic to any pets or children who may accidentally get into it.
Ants. Warm and damp weather is a recipe for ants to come out. Ants can be attracted to anything that spills in your kitchen or on your floors. Once you see one ant, you can bet there are more hanging around. You can make a natural repellent out of white or apple cider vinegar and water. Simply put this mixture in a spray bottle and spray the affected areas.
Mosquito’s. Mosquito’s are a pest that can put a damper on the mood of any party or gathering. They seem to come out of nowhere and keep coming back. A safe and effective way to reduce the mosquito population around your home or yard is to reduce standing water if possible. Standing water is the mosquito’s preferred breeding ground and will bring them into any yard that has standing water. You can also grow mosquito repelling plants such as basil.
Ticks. Ticks are one of the hardest insects to get rid of. They dig into your skin and your pet’s fur and stick. A single adult female can have as many as 4,000 eggs in one sitting. Planting basil can help repel ticks along with a solution of tea tree oil and water. However, be aware, cats can be sensitive to this mixture.
Do you have any suggestions for repelling summer insects? Share them below!