EDISON BLOG

5 Fire Safety Tips for National Fire Prevention Week



 

Recognized each October, National Fire Prevention Week, October 6 through 11, serves to educate us about the importance of fire safety. Fires can occur anywhere and at any time. In fact, the NFPA reports U.S. fire departments respond to a home fire every 86 seconds.  The theme of this year’s Fire Prevention Week isNot Every Hero Wears a Cape. Plan and Practice Your Escape”. As such, Edison Insurance Company would like to provide the following escape planning tips:


1. Create a home fire escape plan.


2. Each family member should know two ways out of every room.


3. Have a safe place to meet should your family become separated.


4. Practice home fire drills with your family at least two times a year.


 5. Make sure all the smoke alarms in your home are in proper working order and test them often.



We hope you take these tips into consideration to keep you, your family, and home fire safe. For more fire escape planning tips and information on Fire Prevention Week, click here.
 
 
Thank you for visiting our blog. Edison Insurance Company’s top priority is the safety of you and your family. For more information on insurance in Florida, or to get a free homeowners insurance quote, call us at 866-568-8922. 
 
 
 

Animal Liability Coverage from Edison Insurance Company



 

Although our four-legged friends are like members of our family, we sometimes forget they can become dangerous when agitated or scared. According to the Centers for Disease Control and Prevention, roughly 4.5 million Americans are bitten by dogs each year. With the holidays approaching and family and friends entering our homes, now is the time to make sure you can prevent dog bites and make sure you are covered should an incident occur.
 

Tips for Preventing Dog Bites:
 
  • Do not disturb a dog while it is eating, sleeping, or chewing on a toy.
  • If you notice a dog is indicating it is uncomfortable and feeling the need to bite, put a safe distance between you and the dog.
  • Children are the most common victims of dog bites. Do not leave infants or young children unaccompanied with a dog.
  • Practice caution when exposing your dog to new situations.
  • If your dog develops aggressive and frightening behaviors, seek advice from your veterinarian.


Animal Liability Coverage:

According to the Insurance Information Institute (iii), homeowners insurance companies throughout the country paid approximately $675 million in animal liability claims due to dog bites or other dog-related injuries in 2018.  Most standard homeowners policies do not include animal liability coverage. However, Edison Insurance Company offers animal liability coverage at a minimal cost to protect our policyholders from expenses correlated with a dog attack or dog bite. This additional coverage provides a $25,000 liability sub-limit and medical payments of $2,000.  Please note, certain restrictions may apply and will be noted in your insurance policy.  Should you be interested in adding animal liability to your policy, contact your agent.
 
 


 As a Florida homeowner, it is important to protect your property should the unexpected occur. Homeowners insurance coverage to fit the needs of your family is available through Edison Insurance Company. Should you have any questions or concerns about your policy, contact your agent, or call us at 866-568-8922. 
 
 

Tips for a Spooktacular and Safe Halloween




As one of the most anticipated holidays throughout the year, Halloween can turn scary when safety precautions are overlooked. Making safety a top priority will make for a Spooktacular time. We encourage you to keep these tips in mind to ensure a safe Halloween:
 
 
Walking
 
  • Parents and/or responsible adults should always supervise their children while trick-or-treating.
  • Look both ways before crossing the street as drivers may have a difficult time seeing you.
  • Put electronics away to avoid distractions.
  • Always walk on sidewalks or paths. 
 
 
Costumes
 
  • Adhere reflective tape or stickers on bags and costumes to be seen by drivers.
  • Do not let your child wear a mask while walking, as some masks may obstruct their vision.
  • When picking a costume, be sure it is the right size and length to avoid trips and falls.
  • Choose fire-retardant costumes and accessories. 
 
 
Driving
 
  • Be extra alert during peak trick-or-treating times between 5:30 and 9:30 pm.
  • Drive slowly through neighborhoods and be alert for trick-or-treaters crossing the roads.
  • Never drink and drive.
 
 
Candy
 
  • Provide your children with a healthy meal prior to trick-or-treating to avoid them filling up on Halloween candy and treats.
  • Always check Halloween treats before consumption. Although tampering with candy is rare, all treats should be closely examined just in case.
  • Ration treats and candy for the following days and weeks after Halloween.
 
 
Decorations
 
  • Remove potential tripping hazards and decorations away from trick-or-treaters.
  • Light jack-o-lanterns with battery operated candles. 
  • Should you have decorations requiring power, make sure you do not overload extension cords. Check on the cords often to see if they are overheating. 
 
 
We hope you and your family have a Spooktacular Halloween!  For additional tips and information on Halloween safety, visit safekids.org.
 
 
 
Keeping your family and home safe and protected is Edison Home Insurance Company’s number one priority. We have taken a bright and innovative approach to Florida homeowners insurance with coverage options allowing you to customize a policy to best fit your needs. To learn more about Edison Insurance Company, or to get a personalized quote, call us at (866) 568-8922.

Home Buying Tips for National Mortgage Professional Month



 


Purchasing a home can certainly be an overwhelming, emotional, and stressful process. Whether you are a first-time homebuyer or not, it is understandable to not know all the ins and outs of buying a home. However, there are a few things you may want to be aware of to help you through the home-buying process. With the month of September being National Mortgage Professional Month, we would like to provide you with some tips to assist you with buying a home:
 
  • Communicate with your agent about what you are looking for.
  • Get pre-approved for a mortgage before you start house hunting.
  • Remember, you do not need 20% saved for a down payment.
  • Invest as much money as you can now, to assist in paying future mortgage payments.
  • Research the current housing market.
  • Factor in housing expenses such as property taxes and utility bills.
  • Think about what you want for the next several years.
  • Don’t forget about homeowners and flood insurance.
 
Before closing on your new home, your mortgage lender will require you to purchase homeowners insurance. Speak to your agent about obtaining your homeowners insurance through Edison Insurance Company. We offer homeowners and condo owners insurance with policies which can be tailored to meet the specific needs of you and your family. Flood damage is not typically covered under your homeowners policy, and as one of the most likely and costly disasters in the United States, you will want to purchase flood insurance for your new home.  Edison offers flood coverage as a certified endorsement to our qualifying policyholders, eliminating the need for a standalone flood insurance policy. To learn more about obtaining homeowners or flood insurance with Edison, contact your agent, or call us at 866-568-8922.
 
As a Florida homeowner, it is important to protect your property should the unexpected occur. Homeowners insurance coverage to fit the needs of your family is available through Edison Insurance Company. Our top priority is the safety of you and your family. To learn more about us, or to get a personalized quote, call us at (866) 568-8922.

Tips for National Preparedness Month


 

September is National Preparedness Month, reminding the public to be prepared for emergencies and natural disasters. Living in Florida comes with many advantages. However, Florida residents are also at an increased risk of severe weather and hurricanes. We encourage you and your family to take this month to be proactive with all your disaster plans. In honor of National Preparedness Month, Edison Insurance would like to provide you with the following emergency preparedness tips:
   
  • Sign up for your local emergency alerts.
 
  • Create and practice all your emergency plans with your family. Should you need assistance with creating an emergency plan for your family or business, visit floridadisaster.org.
 
  • Take time to review your insurance policies. If you have questions about your coverages, or to make any changes to your policy, contact your agent.
 
 
Remember, September is also the statistical peak of hurricane season. As we have seen over the past few hurricane seasons, it is essential you take time to prepare your family and home well in advance of a storm. For additional information and tips for National Preparedness Month, visit ready.gov.
 
 
Thank you for visiting our blog. Edison Insurance Company’s top priority is the safety of you and your family. For more information on insurance in Florida, or to get a free homeowners insurance quote, call us at 866-568-8922. 
 

Preparations When a Hurricane is Within 36 Hours from Arriving


 


The best way to ensure the safety of your family and home during a hurricane or tropical storm is to prepare for the worst.  As the peak of the Atlantic Hurricane Season approaches, we recommend taking some time to have your preparation plans in place. Here are some step by step tips to consider when a hurricane/storm is within 36 hours from arriving.
 
When a hurricane is 36 hours from arriving, you should:
  • Stay tuned to your television or radio for weather updates and instructions.
  • Restock on hurricane supplies if you have not already.
  • Review your evacuation plan with all the members of your family.
  • Fill your car with gas.
 
 
When a hurricane is 36 to 18 hours from arriving, you should:
  • Bring outdoor items inside or anchor objects down to prevent damage from high winds.
  • Put up shutters or protect your window openings.
 
 
When a hurricane is 18 to 6 hours from arriving, you should:
  • Charge electronic devices such as your laptop and cell phone, so you have a full battery in case you lose power.
  • Check your television or radio regularly for updates.
 
 
When a hurricane is 6 hours from arriving:
  • To have food last longer should the power go out, turn your refrigerator and freezer to the coldest setting and do not open it unless needed.
  • Close your shutters and stay away from windows.
  • Keep a thermometer in the refrigerator to check food temperatures when the power is restored.
 
 
We hope you will not need to use these tips this season. However, it is always important to be as informed and prepared as possible. Should catastrophe strike you can rest assured Edison Insurance Company stands ready to assist our policyholders and agents. Should you have any about your coverages or policy prior to a hurricane approaching, please contact your agent, or call us at 866-568-8922.  For more tips on hurricane preparations, click here.

Items You Won't Want to Forget to Purchase for Florida's Back-To-School Tax Holiday


As the summer winds down, it’s now time for back-to-school preparations. Each year, Florida hosts a Back-to-School Tax-Free Holiday for its residents. This year, the Back-to-School Tax-Free Holiday is from August 2rd to August 6th.  This is a great time to take advantage of purchasing all your needed supplies, clothes, and accessories. Most school supplies under $15 and backpacks and clothing under $60 are tax-exempt.  Here are some of the items you don’t want to forget:
 
School Supplies
  • Pens
  • Pencils
  • Notebooks/Folders/Binders
  • Agendas/Calendars
  • Index Cards
  • Glue Sticks
  • Highlighters
  • Markers
  • Accessories
    • Backpacks
    • Lunchbox/bag
  • Clothing and footwear under $60
  • Electronics
    • Personal computers under $1,000

Many schools and teachers will provide a list of specific items your child may need, so be sure to obtain a list before beginning your shopping. Don’t forget to stock up on all your supplies and take advantage of the savings from August 2nd to 6th. For more information on tax-exempt items, visit the Florida Department of Revenue website. Happy shopping and have a great school year!
 
 

 As a Florida homeowner, it is important to protect your property should the unexpected occur. Homeowners insurance coverage to fit the needs of your family is available through Edison Insurance Company. Should you have any questions or concerns about your policy, contact your agent, or call us at 866-568-8922. 

3 Money-Saving Insurance Tips for National Dollar Day


August 8th is National Dollar Day, a holiday commemorating the day the U.S monetary system was established by Congress in 1786. You work hard for your dollars, and it is important you protect and save your money as much as possible. There are ways for you to not only protect your money but save some money when it comes to your homeowners insurance. Here are three ways you could save and protect your hard-earned dollars:
 
Make Sure Your Insurance Coverages are Adequate
You do not want to wait until it is time to file a claim to learn you may not have purchased enough coverage. Paying out of pocket for repairs can be quite expensive. Be sure you read through and discuss your policy coverages with your agent.
 
Ask About Discounts
Did you know you could be eligible for discounts on your insurance policy? If you have a fire alarm, a monitored burglar system, wind mitigation credits, and have made improvements to your home. Be sure to speak with your agent to see if you qualify for these or other discounts which may be available.
 
Purchase Additional Insurance/Increased Limits
Homeowner’s insurance may cover damages to personal property like clothes, furniture, and additional living expenses, should you need to move temporarily while your home is being repaired. However, it may not provide coverage for cash should it become damaged or stolen. To be protected, you may need to purchase specific coverage to insure a certain amount of cash. Edison Insurance Company offers such coverage with a limit on cash up to $200 and it may be increased to $500 with one of our Premium Packages.
 


We have taken a bright and innovative approach to Florida homeowners insurance with coverage options allowing you to customize a policy to best fit your needs. Our top priority is the safety of you and your family. To learn more about Edison Insurance Company, or to get a personalized quote, call us at (866) 568-8922.
 

5 Ways You Can Celebrate Water Quality Month



August is recognized as National Water Quality Month, reminding the public of the importance of water, its quality, and the pollutants which danger it. Water is a vital part of our lives, we use it to drink, cook, swim, and bathe. Keeping our water sources clean and safe is essential to our quality of life.  While you and your family enjoy the last month of summer, here are some ways you can celebrate National Water Quality Month and prevent water pollution:
 
  • Do not flush unused medications or chemicals down the drain or toilet.
 
  • Pick up after pets, especially near water.
 
  • Volunteer to clean up trash and debris from a local water source or beach.
 
  • Build a rain garden or a rain barrel to collect and reuse water.
 
  • Put liners in driveways to collect materials from seeping into water sources.
 
 
What we do outside and inside of our homes can have an impact on water quality. By following these 5 simple steps you can help keep water sources clean and safe. For more information on water quality, click here.  Thank you for doing your part towards maintaining a clean and healthy environment for all.
 
 
Thank you for visiting our blog. Edison Insurance Company’s top priority is the safety of you and your family. For more information on insurance in Florida, or to get a free homeowners insurance quote, call us at 866-568-8922. 
 

5 Tips to Beat the Heat of Summer


Living in the “Sunshine State” there is no better time than the summer to enjoy fun outdoor activities. Whether you are going to the beach or playing outside, many do not realize just how much we are exposing ourselves to the heat and sun.  This exposure can have many negative effects such as heat exhaustion, heat stroke, and death.  According to the CDC, 95% of heat-related deaths occur during May to September, primarily in July and August. Beat the heat this summer by following these tips:
 
 
  1. Stay hydrated by drinking water rather than caffeine and alcohol latent beverages, which cause water loss.
 
  1. Wear lightweight clothes.
 
  1. Take breaks in the shade or in an air-conditioned area as needed.
 
  1. Check the news frequently to stay updated on heat-related safety information.
 
  1. Stay aware of the symptoms of heat-related illnesses.
    1. Heat Rash Symptoms – sweat buildup causing skin irritation
    2. Heat Cramp Symptoms – muscle spasms and pain
    3. Heat Exhaustion Symptoms – nausea, headache, dizziness, weakness, and rapid pulse
    4. Heat Stroke – no sweating, physically hot, confusion, faints, and seizures
 
 
Remember to check up on your friends and family frequently to ensure they are safe from the effects of the heat.  For more information on heat safety, click here. We hope you have an amazing, safe summer with your loved ones. 
 
 
Thank you for visiting our blog. Edison Insurance Company’s top priority is the safety of you and your family. For more information on insurance in Florida, or to get a free homeowners insurance quote, call us at 866-568-8922.