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Purchasing Wedding Insurance

Purchasing Wedding Insurance

Are you getting ready to tie the knot?

Let’s face it, as much as you want everything on your wedding day to go as smoothly as possible, life happens. You don’t want to think about it, but natural disasters, emergencies, and accidents can occur on the day of your dreams.

This is why C.H. Edwards, Inc. suggests purchasing Wedding Insurance. Sure, it’s an added cost, but what it covers, makes it completely worth it!

For example, you plan a beautiful fall wedding in September and all of a sudden a hurricane is headed your way and your wedding must be postponed. This is an extreme scenario, but if you don’t have wedding insurance, all of that time and money you put into your big day may go to waste.

If you choose to spend a little extra and purchase wedding insurance, the above-mentioned situation would have been covered, and you’ll be able to reschedule your dream day.

Another example why you should purchase wedding insurance is if something happens to the venue where you will be having your event. Whether it went bankrupt or there was a fire, wedding insurance will cover the costs of rebooking at another venue or hall.
It can also cover scenarios such as if you have to retake ruined photos, replace lost or damaged wedding apparel and gifts.

Weddings are expensive, and yes, purchasing wedding insurance will cost extra money, but if something actually happens on that date you picked, you’re covered!

For more information regarding wedding insurance or life insurance, call for a free no obligation quotation. Call C.H. Edwards, Inc. a call at 516-249-5200 and one of our specialists will be happy to assist you. Congratulations on taking this big step into your future.

Visit our newly designed website at www.chedwards.net

 

Candle Safety

Candle Safety

The fall season is here and people everywhere are burning their favorite seasonal candles.

Before lighting your candles be sure to follow these 8 tips when using candles in your home.

1. Burning candles should never be left unattended.
2. Keep candles away from anything flammable.
3. If your candle is in a candle holder, it should be sturdy enough to avoid being easily knocked over.
4. Candles should be placed where children and pets can’t reach them.
5. Candlewicks should be trimmed to ¼ inch each time before burning. Long wicks can cause uneven burning and dripping.
6. Keep the pool of wax in the candle clear of debris such as wick trimmings.
7. Read and follow the manufacturer’s instructions for candle use. Most candles should be burned for only a couple of hours at a time.
8. Extinguish candles with a candle snuffer rather than blowing them out to avoid being burned by the hot wax.

Enjoy your fall season and your favorite candle safely this year!

Written by: Amanda Haase

Dunkin’ Donuts & Starbucks Seasonal Treats

Dunkin’ Donuts & Starbucks Seasonal Treats

Fall is here and the weather is getting chilly.

Along with sweatshirts, falling leaves, and haunted houses, comes Dunkin Donuts’ release of their seasonal Pumpkin flavored coffees and bakery items! There is nothing better than waking up on a crisp fall morning and heading to Dunkin for breakfast before work.

My go to breakfast at Dunkin is always a medium pumpkin iced coffee with extra pumpkin and half & half, paired with a warmed pumpkin muffin or donut. For an afternoon “pick me up”, an iced pumpkin latte or macchiato hits the spot and keeps me running!

As the fall days get colder, Dunkin’s hot pumpkin coffees and lattes made with steamed cream help warm and comfort you. Along with their enticing pumpkin flavors, you can look forward to their hot and iced apple cider in late September. Pair a cup of their apple cider with an apple cinnamon donut and you have the perfect afternoon treat!

For all the Starbucks lovers out there, try one of Starbuck’s new delightfully balanced Salted Caramel Mocha, or their delicious Pumpkin Spice Latte. Each can be served hot, iced or blended to suit whatever type of autumn day you’re having.

I enjoy the rich aroma and smooth taste Starbucks hot drinks offer.

Pair your favorite beverage with some new pastries such as the Pumpkin Cream Cheese Muffin, the glazed Pumpkin Scone, or the juicy bite of Washington Apple Pound Cake. One thing I have always loved about Starbucks pastries and café items is that they are always soft and fresh!

So get in your car and head to Dunkin or Starbucks now before the fall season runs out! With a wide variety of drinks and pastries, pumpkin and non-pumpkin lovers are sure to find something they love!

Written by: Amanda Haase

Where To Pick? U-Pick Farms Long Island

Where To Pick? U-Pick Farms Long Island

Fall is here and that only means one thing, fresh fall produce! If you love fresh fruit’s 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 apples, tomatoes, eggplants and pumpkins to fresh pies, cider, donuts and homemade jams, you and your family are sure to find something you all love!

Lewin’s farm on Sound Avenue is Calverton offers many fun, family activities along with their “U-Pick” farm experience. The whole family can enjoy corn mazes, hay rides and much more.

Even if you don’t feel like picking your own produce, Lewin’s offers a huge farms tand of already picked fresh produce right at your finger tips.

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

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

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

Written by: Amanda Haase

Tip to Preventing and Treating Mold

Tip to Preventing and Treating Mold

Mold is part of the natural environment. Mold that grow outdoors play a huge part in nature’s break down of dead organic matter such as fallen leaves and dead trees, however, indoor mold growth should be avoided at all causes. Here are some tips on treating and preventing mold.

How to treat and get rid of mold:
• Dry it up – Mold and mildew thrive in wet environments. Get a dehumidifier to evaporate all damp areas in your home, also, fix any leaks.
• Purify the air – Invest in an air purifier to cleanse the air after removing all the mold to avoid an allergic reaction.
• If you have very minimal mold, a simple Clorox and water solution should help remove the affected area in your home, however, if you have sufficient mold damage, it is in your best interest to contact a restoration specialist to help remove the mold and repair damages.

How to prevent mold:
• Keep living areas dry – Keep your living space as dry as possible. Air purifiers help keep the air clean and dry. Keep your bathroom dry by installing a ventilation fan.
• Equip your home with mold-resistant products and materials.
• Improve air flow in your home – Open windows, doors and move furniture away from the wall to increase air flow and circulation.

Remember, not only does mold damage your home but it can have an effect on you and your family’s health. Mold can cause all of the following:
• Headaches
• Breathing difficulties
• Persistent cough or cold symptoms
• Burning or irritation of the eyes, nose, throat or lungs
• Asthma attacks
• Skin irritation

Kick mold to the curb today! If you or someone you know is in need of a restoration for mold remediation, call C.H. Edwards, Inc. today and one of our friendly representatives will be happy to provide you with information. (516) 249-5200.

8 Things To Know About Umbrella Policies

8 Things To Know About Umbrella Policies

Many consumers are often confused or unsure whether or not to buy an umbrella insurance policy. You may be asking yourself, what is an umbrella policy and how will it cover me?

Well, look no further here are eight things that you should know about personal and commercial umbrella policies are:

1. A personal umbrella provides an additional layer of liability coverage above and beyond the liability limits in an auto and homeowner’s policy.

2. The personal umbrella policy is extremely undersold. The vast majority of people with personal exposures do not have an umbrella policy, when they really should.

3. Personal Umbrella policies are on of the most inexpensive coverage’s available.

4. An insured does not need to be a millionaire to have a $1million personal umbrella policy. You don’t need to own a home, be married or even have children. An umbrella policy is simply extra coverage to protect you.

5. Personal umbrella policies are not something most people buy; it is something they have to be told about. Most clients will not ask for an umbrella policy. The agent has to proactively educate the client and let them know what it is.

6. Personal Umbrella polices can be sold as a monoline policy, that means by itself. While Umbrellas are often tied to auto and home policies, there are companies that offer standalone umbrellas at a very reasonable price.

7. A commercial umbrella policy provides additional liability limits above and beyond the primary limits in commercial general liability and commercial auto policies.

8. One key issue with a commercial umbrella policy is whether it provides defense costs inside or outside the policy limits. In cases of large and sever claims, it is important to have defense outside the policy limits so that the policy limits are preserved to pay for the claim.

If you have any questions or would like to obtain a free quotation on a personal or commercial umbrella policy, give C.H. Edwards a call today at 516 -249-5200 or visit our website at www.chedwards.net and one of our umbrella specialist will be happy to assist you .

 

Welcome to Our New Website & Blog!

Welcome to Our New Website & Blog!

C.H. Edwards, Inc. would like to extend a warm welcome to our new website and blog! Through our newly revamped website and blog, our team will update you on the latest news within the insurance industry while also offering regular lifestyle tips.

Our blog will be your first stop for not only the latest information, but also community events in New York and surrounding areas in New York. We encourage you to browse through our new innovative website to see all that we have to offer.

We are always available to guide you through the insurance shopping process for all of your New York insurance needs. We work to serve the best interests of you, your family, and your business.

We’re Going Social!

We’re Going Social!

On top of releasing our new innovative website, we have also updated all of our social media pages including Facebook, LinkedIn, Google+ and Twitter. You can now communicate with us through whichever platform you prefer.

We would love to receive feedback and find out what topics you want to learn about, feel free to comment on our posts and tell us what interests you!

Don’t forget to like, follow, connect, gather, subscribe and share today – Let’s Get Social!

The Advantages of an Independent Insurance Agency

The Advantages of an Independent Insurance Agency

There are multiple options when it comes to buying insurance, and with all the different choices it may get a bit confusing.  However, when you use an independent insurance agency we are here to clear the confusion and help you with your needs.

As an independent insurance agency, we represent multiple carriers and are able to explore all of your insurance options in order to find you the best policy at the best price. When using a traditional insurance company, you are limited to what they themselves offer.

Over time, your individual and business insurance needs may change and as an independent insurance agency we can make that transition much easier on you.

When it comes to you, your family, and your business we want to make sure you have the coverage you need – it’s our job to help you!

At C.H. Edwards, Inc. your needs are our first priority, contact us today for all of your New York insurance needs.

Take Control of Your Auto Insurance Premium

Despite popular belief, you can take control of how much you pay for auto insurance. There are a variety of aspects affecting the price you pay each month, many of which are lifestyle factors. Take control of your auto insurance premium by making these simple adjustments:

  • The coverage you choose and your deductible affect how much you pay each month. It is important to know that when you choose a higher deductible, you pay less each month. Likewise, when you choose to pay a lower deductible, you will see the difference in your monthly bill. Speak with your insurance agent and make sure you are only paying for coverage that is absolutely necessary and beneficial based on your unique needs.
  • The car you drive has a great impact on your auto insurance premium. Before purchasing a new car, be sure to contact your insurance agent to make sure you don’t take on any additional insurance expenses on top of the monthly car payment you just opted for.
  • Reducing your commute can help you receive discounts. The more you are on the road the greater your chances of being involved in an accident are. Therefore, walking or biking whenever possible decreases your vulnerability. If you move to a location closer to your work, be sure to inform your insurance agent so they can take into account the decrease in mileage.
  • Driving safely and slowly can also help you receive discounts. Each traffic violation you receive and each accident you are involved in will increase your auto insurance premium.

At C.H. Edwards Insurance, Inc., you’re a person, not a policy number. We understand the importance of personalizing a unique insurance package based on the exclusive needs of each customer. Contact us today for all of your New York auto insurance needs.