Back To School Tips

MAKING THE FIRST DAY EASIER

• Remind your child that they are not the only student who are a bit uneasy about the first day of school. Teachers know that students are anxious and will make an extra effort to make sure everyone feels as comfortable as possible.

• Point out the positive aspects of starting school: It will be fun. They will see old friends and meet new ones. Refresh their positive memories about previous years, when they may have returned home after the first day with high spirits because they had a good time.

Five Steps to Preparing and Filing Your Homeowners Insurance Claim

1. Give immediate notice to your insurance company of your home insurance claim. Call your independent agent (C.H. Edwards, Inc.) to file a claim for any damages that may have incurred. C.H. Edwards, Inc. will give you information on what steps to take next for your particular policy. It is best to keep your C.H. Edwards' phone number and policy number in your wallet so you will have the information if it is not accessible in your home. Also, keep track of all communication by you and your C.H. Edwards regarding your homeowner’s insurance claim.

Protecting Yourself When Renting Your Home

You absolutely have insurance issues to consider when renting out your home. As you might have guessed, rental property owners have some unique insurance needs. A standard homeowners policy isn't appropriate for rental property, because:

Off-Road Vehicle Insurance

Let’s face it, off road vehicles are fun. Long Island New York Off-Road Vehicle Insurance is a critical tool to make sure you keep them fun.

Whether you are a recreational ATV rider, or use your side by side to manage miles of fence line having it damaged, wrecked, or stolen can cause loss of time and money. We can provide different types of NY off road vehicle insurance to cover different types of vehicle needs for those that live in the greater Farmingdale, Merrick, Hicksville, Plainview and Wantagh area.

YOUNG ADULTS AND HIGH EARNERS HAVE GREATEST RISK FOR IDENTITY THEFT

According to Javelin Strategy & Research, which recently released its 2007 Identity Fraud Survey Report, young people and those earning more than $150,000 are the most likely victims of identity theft.

Young adults between the ages of 18 and 24 are at the greatest risk for identity fraud because they are the least likely to take safeguards such as shredding documents and using anti-virus software and firewalls. Over five percent of those surveyed in this age group reported having been victimized.

John Tesh talks about: Vacation & Travel

John Tesh talks about: Vacation & Travel

NAIC Warns Public of Added Insurance Risks of Vacant Homes as Numbers Grow

Vacant or unoccupied homes can leave a homeowner exposed to loss and liability that may not be covered by their insurance, according to the National Association of Insurance Commissioners. The latest Pending Home Sales Index released by the National Association of Realtors, dropped 2.6 percent to 75.7 based on contracts signed in June from 77.7 in May, and is 18.6 percent below June 2009 – another sign of the stagnant housing market.

"In many cases, people who have been trying to sell their homes for awhile have moved forward with their plans regardless, leaving a vacant home on the market," said NAIC President and West Virginia Insurance Commissioner Jane L. Cline. "Having an unoccupied home can create several insurance implications that typically are not covered under a standard homeowners policy."

C.H. Edwards, Inc. Website Kick-Off Toast

Our virtual website is now live. Please join our staff as we celebrate this monumental event. Welcome to the C.H. Edwards, Inc. virtual website. www.chedwards.net