Header Image
Get a Free Quote
For a Free Quote, please contact our Customer Service Department at (866) 568-8922.

EDISON BLOG

Don’t Be Scared, Be Prepared - National Preparedness Month

September is National Preparedness Month, and Edison Insurance Company is providing useful emergency preparedness tips.

Read More

5 Tips for Creating Your Home Inventory

Edison Insurance Company provides 5 important tips for creating a home inventory.  

Read More

Go Back-to-School on Homeowners Insurance Coverages

Updated: August 1, 2020

 

 

As a homeowner, it is important to know and understand your coverage through your specific carrier. Having a reliable homeowners insurance plan in place will not only give you peace of mind but will protect your family and belongings as well. As a policyholder, you can make changes to adjust the amount of coverage you have, which may cause changes to your annual policy premium. Keep in mind, if you do not have enough coverage in place, you could be responsible for any out-of-pocket costs in the event of a loss. Each homeowners policy is different, and it is important you understand your coverages, so you and your agent can select the options which work best for the needs of your family.

 

What is covered?

Your homeowners insurance is made up of coverages which will pay to repair or replace your belongings and your home should they be damaged by certain perils such as fire, theft, or windstorm. These coverages may include, dwelling, personal property, loss of use, and liability. Edison Insurance Company offers additional types of coverage, should you choose to further customize your policy.

 

The ABC’s of Homeowners Insurance Coverage and Knowing What They Insure

 

Coverage A: Dwelling - which covers damage or destruction to your home, attached structures, and fixtures in your house like built-in appliances.

 

Coverage B: Other Structures - protects physical structures on your property and not attached to your home. For example, detached structures such as garages, storage sheds, and fences.

 

Coverage C: Personal Property - covers the contents of your home, including furniture, clothing, and appliances if they are damaged, destroyed, or stolen by perils covered in the policy.

 

Coverage D: Loss of Use - will pay for additional living expenses if your home is inhabitable during repairs.

 

Coverage E: Liability - Protects against financial loss should you be sued and found legally responsible for someone else's injury or property damage.

 

Coverage F: Medical Payments to Others - covers medical bills for those injured on your property. This coverage may also pay for some injuries which may happen away from your home.

 

 

What is Not Covered?

 

While your homeowners insurance covers many types of perils, there are exceptions, and it depends on your particular policy. Certain events, including neglect, intentional loss, earth movement and settlement, power failure, war, nuclear hazards, or other circumstances may not be covered within your policy. Another peril which is not covered under most standard homeowners insurance policies is flood insurance. Usually, flood insurance would need to be purchased as a separate standalone policy. However, Edison Insurance Company offers a certified endorsement to qualifying policies which is not offered through many other private carriers. If your property does not qualify for Edison Insurance Company’s endorsement, be sure to speak with your agent obtaining flood coverage through the National Flood Insurance Program.

 

Your home is likely one of the largest financial investments you will make. In the event of a fire, flood, or natural disaster, this investment can disappear in a matter of minutes, even seconds. Your insurance policy can cover not only damage, but it can save you from financial ruin. As such, it is important you understand what your particular policy covers and what may not be covered. If you have any questions or need to make any changes to your policy, please contact us at 866-568-8922 or speak with your agent.

 

Does Homeowners Insurance Cover Your College Student's Possessions?

 

Amidst the emotional process known as, sending your children off to college, it is important to prioritize your child's safety. Whether your child is living in a dormitory or an off-campus apartment, it is essential you ensure they have the necessary coverage to account for their expensive belongings such as laptops, televisions, printers, jewelry, etc. An important question many parents with children heading to college often ask is if their homeowners insurance policy will cover their college student’s possessions in the event of a loss.  

 

Understanding A Student’s Coverage at College: 

  • Students under 26 years old who live on-campus are usually covered under their parents’ homeowners insurance policy, under “off-premise” coverage. Each policy is different, so be sure to refer to your homeowners insurance policy to understand your policy limits.  

  • Because of these limits, or if the student is living in off-campus housing such as renting an apartment or home, you may consider obtaining renters insurance. Renters policies cover their personal property in the event of a covered loss, such as damage from theft, fire, or any unexpected circumstance, which isn't covered by the landlord's or rental facilities insurance.  

  • Some items, like electronics, may have stand-alone insurance should they become stolen, lost, or damaged, depending on the warranty or the benefits used from the store or credit card at the time it was purchased.  

 

Should you have questions or concerns about your family's insurance coverage and the implications of your child becoming a full-time college student, or to determine if additional/supplemental coverage or renter’s insurance is needed, please contact your agent.  

 

Ways to Lower Your Risk of Theft or Damage of Personal Belongings While on Campus: 

  • Leave valuables at home. 

  • Consider purchasing a small safe to store important documents or valuables.  

  • Do not access personal accounts on public computers. 

  • Purchase and use a laptop security cable.   

  • Take inventory of all the possessions your child plans on bringing to college, preferably with pictures and dollar estimates of the object's value. This will provide you an estimate of how much coverage your child will need and will come in handy should you need to file a claim.  

 

We hope this information assists you in making important decisions while you send your children off to college. Should you have any questions in regards to your Edison Insurance policy, give us a call at 866-568-8922 or contact your agent.   

 

Items You Should Have in Your Hurricane Supply Kit

Updated: July 1, 2020
 

The 2020 Hurricane Season is upon us, and it is crucial we are prepared for the unexpected. If you have not already, now is the time to stock up on all your hurricane supplies. If you wait until the last minute to purchase supplies when a hurricane is approaching, some essential items may not be available. Here are some items you should have in your hurricane supply kit: 

  

Have at least a two-week supply of non-perishable food and drinks including: 

  • Ready-to-eat canned meats, fruits, and vegetables 

  • Comfort foods 

  • High-energy foods 

  • Water 

  • Vitamins 

  • Ice 

 

First Aid Kit: 

  • Bandages 

  • Wipes 

  • Cold packs (non-refrigerated type) 

  • Over the counter pain relievers 

  • Gloves 

  

 

Tools and Supplies: 

  • Scissors 

  • Manual can opener 

  • Plastic storage containers 

  • Paper cups, plates, and plastic utensils 

  • Battery-operated radio 

  • Flashlight 

  • Tape 

  • Portable chargers 

  • Batteries 

 

We hope this list helps you know what you should be purchasing for your hurricane preparations. Remember, this is just a list of basic items you should have. Don’t forget to include items to best fit the needs of your family including kids, seniors, and pets. For more suggestions on hurricane safety items, visit the Tips and Tools section of our website. Should you have any questions in regards to your homeowners insurance policy during hurricane season, Edison Insurance Company is here to help. Give us a call at 866- 568-8922 for policy assistance.  

Warning Signs of a Plumbing Leak

Updated: July 1, 2020 

 

To reduce your chances of major water damage in your home, you must be aware of warning signs of a plumbing leak and fix them quickly to avoid major damage and costly repairs. According to the EPA, household leaks can waste up to 1 trillion gallons of water nationwide each year. After a while, it is easy for homeowners to become used to the sound of rattling pipes, a leaky kitchen faucet, or a slow flushing toilet. Ignoring these signs can lead to an increased water bill and 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 

  • The 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 making bubbling sounds  

  

Taking steps to avoid plumbing leaks:

When it comes to your home’s plumbing system, mitigation should always be a priority.   

Preventing a plumbing leak can be quite simple, with these tips:  

  • Do not flush items such as wipes, paper towel, floss, hair, or other items which could provoke clogs. 

  • Unclog drains regularly.  

  • Make sure you do not over-tighten fittings. 

  • Use plumber’s tape to prevent leaks around fittings and joints. 

  • Check for leaks frequently before they escalate and end up costing a lot of money to fix. 

 

If you notice any of these signs, and they are issues you cannot fix yourself, call a plumber right away and take care of any necessary repair. Doing so will avoid a major plumbing bill should something go terribly wrong.  

 

In the event, a water loss occurs, be sure to contact Edison Insurance Company as soon as possible, so we can assist you with your claim. Our dedicated Water Mitigation Hotline, 561-245-3134 or 888-683-7971, will provide you with the information of one of our approved and preferred water mitigation vendors in your area to begin the drying processing. 

Storm Surge Information and Safety

Updated: June 1, 2020
 
 

 

With the arrival of Hurricane Season, it is important we discuss the dangers of storm surge. Storm surge is one of the largest threats to property and life during a tropical storm or hurricane. Generated by a tropical storm or hurricane, storm surge is a change of water level, over and above its predicted astronomical tide. Due to its change in the water level during a storm, it can cause extremely destructive and devastating damages. As many of us in the state of Florida live in close proximity to the ocean, it can be dangerous if safety precautions are not taken. Evacuation orders due to storm surge should never be taken lightly. As a homeowners insurance carrier in Florida, we would like to provide you with some information about storm surge and some safety tips.  

 

Storm Surge Preparation Tips: 

  • Find out from your local emergency services if you are in a surge-prone area. 

  • Ensure windows are tightly closed, especially in the basement or lower floors. 

  • Make note of family/friends who live on higher ground, in case you need shelter. 

  • Always have an evacuation kit ready to go in the case of an emergency. 

 

During Storm Surge: 

  • If instructed, evacuate immediately and do not delay. 

  • Never walk or drive through floodwaters.  

  • Pay attention to storm progression and warnings from local authorities.  

 

 

Know Your Elevation: 

If you live near the coast or are thinking of buying property near the coast, it is in your financial and survival interest to know the elevation of your home. If you are a homeowner, your flood insurance certificate should tell you what your elevation is, based on the best available surveys for the area. 

 

 

Flood Insurance: 

Storm surge has the capability of causing devastating flood damages to your home. It is important you have flood insurance in place to protect your home and belongings. As a homeowner, it is important to know what is covered under your policy and what isn’t. Standard homeowners and renter’s insurance policies do not cover flood damage. Flood insurance must be purchased through private carriers, like Edison Insurance Company or through the NFIP. We highly recommend you speak with your agent to obtain flood coverage, or give us a call at 866-568-8922.  

 

 

As Hurricane Season begins, we hope you take this information about storm surge and storm surge safety into consideration. Remember, Edison Insurance Company is always here to assist our policyholders should the unexpected occur. Should you need to file a claim, you may do so online or by calling us at 888-683-7971. 

  

5 Tips for Installing Hurricane Shutters from Edison Insurance Company

Updated: June 1, 2020

 

Hurricane season has arrived and now is the time to ensure your home is protected should disaster strike. Preparation plans should be in place, and your hurricane shutters should be purchased and/or in an accessible location, well in advance of a storm. Installing hurricane shutters is an effective way to minimize hurricane damages to your windows, doors, and home. However, do you know how to install them properly and safely if a storm is on the horizon? Here are 5 tips to take into consideration to ensure your hurricane shutter installation goes safely and smoothly: 

  

  1. Be sure to inspect your shutters for damages before installing them. We recommend inspecting shutters well before a storm is on the horizon, as damaged shutters should be repaired or replaced as soon as possible.  

  

  1. Label your shutters to match their corresponding window. Doing so will save you time and aggravation especially when there is a storm quickly approaching.  

  

  1. Wear protective gloves while installing your shutters to avoid being cut by their sharp edges. 

  

  1. Ladders can be quite dangerous, practice caution while using a ladder. When using one, always have someone hold and stabilize your ladder from below. 

  

  1. Never install your shutters during inclement weather, as it greatly increases your risk of injury. 

    

We all hope this Hurricane Season is a quiet one, and there will be no need to install shutters on your home. However, in case you do please keep these tips in mind. Our number one priority at Edison Insurance Company is the safety of you, your family, and your home. We stand ready to assist you should the unexpected occur. Should you have any questions in regards to your insurance policy, give us a call at 866-568-8922, or should you need to file a claim, you may do so online or by calling 888- 683-7971. 

Quick Tips for Kids: Pool Safety from Edison Insurance Company

Updated: May 1, 2020
 

 

Meant to promote water and aquatic safety, drowning prevention, and recreational activity safety, May is recognized as National Water Safety Month. As many families take advantage of time in their pools, it is important to evaluate your children’s swimming skills and know what steps to take when it comes to water safety.  You should know their strengths, weaknesses, and areas they may need help in when it comes to swimming.

 

Here are some facts from the CDC (Centers for Disease Control and Prevention) on drowning:

  • From 2005-2014, there was an average of 3,536 fatal unintentional drownings (non-boating related) annually in the United States — about ten deaths per day. An additional 332 people died each year from drowning in boating-related incidents. 

 

  • About one in five people who die from drowning are children 14 and younger. For every child who dies from drowning, another five receive emergency care for nonfatal submersion injuries.

 

  •  More than 50% of drowning victims treated in emergency departments require hospitalization or transfer for further care (compared with a hospitalization rate of about 6% for all unintentional injuries). These nonfatal drowning injuries can cause severe brain damage which may result in long-term disabilities such as memory problems, learning disabilities, and permanent loss of basic functioning.

 

With these facts in mind, pool safety should be atop of your priority list. Please consider these 5 pool safety tips: 

  1.  Supervise children at all times when in or out of the pool. Even if your children are playing around the pool, they still need your undivided attention in case of a slip or fall.

  2.  Be prepared for an emergency. CPR classes are available year-round. It’s simple, all you need to do is search online for a class near you. Learning basic rescue skills could save your child’s life, or even someone else’s. Although the ambulance is called, it does not necessarily mean it can wait. Many rescues are successful because of someone using CPR until the ambulance arrives.

  3.  Teach your children how to swim. Of course, they may not be professional swimmers right away, but enrolling them in swimming lessons could be a game-changer. Should they ever find themselves in trouble, they could apply those skills in a calm manner to get themselves out (or at least hang on until help arrives). Basic skills such as treading water and floating are a must if they are to be trusted in the water without a floatation device or other assistance.

  4.  Clear toys from the pool after swimming. Smaller children are more likely to follow a ball or toy straight into the pool. Some will even try so hard to reach their toys, they end up falling in unintentionally. If no one is around to help, or witness, there could be a fatal result. It is important to bring all toys inside to avoid temptation.

  5.  Make it clear to your children: Needing help isn’t embarrassing! Some children may be tempted to remove their floatation devices because the other children in the pool are without it. If your child is very hesitant to wear their life jacket and they know the basics of swimming (as listed above), try an alternative, like a pool noodle, boogie board, or floating ring they can hold onto while strengthening their swimming. You will need to keep a very close eye on them, but at least it will encourage them to become stronger, instead of ditching the floating devices completely.

 

 

We hope you will keep these pool safety tips in mind around the pool. As your homeowners insurance carrier, we understand accidents occur. Should the unexpected happen we would like to remind you your homeowners insurance policy includes personal and medical liability coverages to protect you. To learn more about liability coverages or to increase your coverage limits, contact your agent or contact us at 866-568-8922. 

5 Tips for Preparing Your Home for Hurricane Season

Updated: May 1, 2020
 

 

With the official start of Hurricane Season a month away, there is no time like the present to start preparing your home for a hurricane or tropical storm. As we have seen in the past few seasons, it only takes one storm to cause devastation and millions in damages. With the prediction of another active and “above-average” season this year, we would like to provide some simple steps you can take to protect your home for Hurricane Season:

 

  1. Conduct a Home Inspection

Is your home ready for a natural disaster? Consider conducting a home inspection before Hurricane Season approaches to ensure your personal safety, as well as those of your home and belongings. Conducting a home inspection is quite simple, all you need to do is check for damage such as cracks, leaks, and breaks in the interior and exterior of your home. Should areas of your home need repair, fix them as soon as possible to prevent further damage.


 

  1. Hurricane Shutters

If you hear the news of a hurricane or tropical storm is approaching, installing hurricane shutters to your windows can be beneficial. If a window in your home is broken during a hurricane, it can expose the inside of your house to excessive winds and rain, and potentially lift the roof from below. If you do not currently own shutters, now is a good time to get some estimates and purchase them from local vendors and hardware stores. Waiting until the last minute to purchase items such as shutters can be costly or inventory may be very low. If you currently own shutters, be sure to place them in an area in reach and inspect them for damages. Should you need to install your shutters, be sure to do so safely. 

 

  1. Hurricane-Proof Your Roof 

Roofs can be vulnerable to hurricane damage due to heavy rains and wind. Taking a few steps to strengthen your roof before a hurricane is recommended, especially if it is older. Be sure to inspect your roof for cracks and damages and have it fixed as soon as possible to avoid further damages from a storm. 


 

  1. Clear Your Yard

Hurricane winds can be extremely dangerous, and strong enough to pick up objects such as lawn chairs, garbage cans, wood, metal, bicycles, barbeque grills, etc. These winds can send these objects flying into your car and home. Before a hurricane strikes, remove these types of outdoor objects and bring them inside. Should you have trees near your home be sure to trim limbs often and remove any large trees which may show signs of decay or damage. 



 

  1. Review Your Homeowners Insurance Policy: 

Now is also a great time to review and update your homeowners insurance if necessary to be sure you have adequate coverage should the unexpected occur. Remember, flood coverage is not included within your startard homeowners policy, it is important to determine if you need flood insurance prior to Hurricane Season. Luckily Edison Insurance Company offers a certified flood endorsement which allows eligible policyholders to secure flood insurance coverage up to a selected amount, eliminating the need for a standalone flood policy. Should you have any questions about your policy and coverages, please contact your agent or call us at 866-568-8922 for assistance. 


 

It is important to keep in mind, these procedures should be taken well in advance of a hurricane, not a few hours before. Should catastrophe strike, Edison Insurance Company stands ready to assist you. In the event of a loss, you may report your claim online or by calling our claims hotline at 888-683-7971.