EDISON BLOG

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. 
 

Warning Signs of a Plumbing Leak


 

While your home’s plumbing system appears to be working, there are many warning signs of a potential underlying issue. To reduce your chances of major water damage in your home, you must be aware of these signs and identify them to avoid major damage and costly repairs.
 After a while, it is easy to get used to the sound of rattling pipes, a leaky kitchen faucet or a slow flushing toilet. Ignoring these signs can lead to an easily avoidable destruction. Here are a few warning signs of plumbing failure:
 
  • An increase in your water bill
  • A slow, gradual leak coming from a pipe
  • Pipes rattle and/or make noise
  • Persistent sound of running water coming from a toilet
  • Slow drainage in the sink or shower
  • Low water pressure
  • Water backs up in the sink when running the dishwasher
  • Toilets make bubbling sounds 
 
If you notice any of these signs, it is important to call a plumber right away and take care of any necessary repairs, to avoid a major plumbing bill should something go terribly wrong. When it comes to your home’s plumbing system, mitigation should always be a priority. Click here for further information about plumbing problems and how to fix them.
 
 

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.
 

June is National Safety Month



 

June is recognized as National Safety Month, with a focus on reducing the risk of injuries and unintentional deaths across the United States. In 2017, it was estimated around 75% of all preventable injuries and injury-related deaths occurred in homes and communities, according to the National Safety Council.  Here are the National Safety Council’s top 5 causes of unintentional death and injuries in homes and communities, and how to avoid them:
 
 
  1. Poisoning
Did you know, more than 90% of poisoning occur at home? This includes ingestion of chemicals and drugs, as well as exposure to substances such as carbon monoxide, lead, or radon gas. Keep all prescriptions and household chemicals in a safe, locked location. Be sure to have carbon monoxide detectors near each sleeping area of your home, and purchase lead and radon test kits at your local hardware store.
 
  1. Motor Vehicle Accidents
 
The second-leading cause of serious injury or death can happen in an instant during a car crash. Distracted driving, driving while impaired, inexperience, and speeding are the most common causes of vehicular accidents. Put your phone down while driving, follow the speed limit, and .
 
 
  1. Falls
 
Falling accounts for roughly one-third of all reported non-fatal injuries in the United States. Falls can occur at any age; however, it is the number one cause of death of adults 65 and older. Avoid tripping and slipping hazards in your home by keeping floors clear of clutter, installing grab bars in your shower, and keeping essential items in easy to reach locations.
 
 
  1. Choking
Thousands of American die every year due to choking. Choking on food is responsible for the most choking incidents, especially for the elderly. Young children are also at a higher risk of choking, keep small objects out of reach and supervise them while eating. It is also recommended to learn how to look for signs someone may be choking and know how to perform the Heimlich maneuver and CPR.
 
 
  1. Drowning
Drowning is the leading cause of death in children from the ages 1-4 and is the 5th leading cause of unintentional death and injury in Americans of all ages. It is estimated, 74% of drowning incidents of children and young adults occur in residential areas.  Children should always be supervised in and around the pool. Click here for some additional tips on water safety.
 
 
We hope you consider these tips not just for National Safety Month, but throughout the year to keep you and your family safe. For more information on National Safety Month, click here.
 

 
Thank you for visiting our blog. Hopefully, you came away with some great home insurance and safety tips. Edison Insurance Company’s mission is to provide quality coverage at competitive rates while providing exceptional service.  For more information on Florida homeowners insurance or to get a quote, please call (866) 568-8922.