EDISON BLOG

Annual Check-Up on Your Home and Homeowners Policy

Family holding small house in hands.

 

The new year often serves as a great reminder for annual check-ups. Like your annual check-up at the doctor’s office, your home and homeowners insurance policy may require an annual check-up as well. Consider these tips when conducting an annual check-up of your homeowners insurance:
 
Make, or update your home inventory

Over the holidays, you may have received some new items which should be documented in your home inventory. In the event of a loss, having a home inventory can expedite the claims process. Create a home inventory by listing your belongings and their estimated value. Keep more than one copy of your inventory in a safe and protected location.
 
Conduct a home inspection
 
Keeping your home and family safe and healthy starts with maintenance and preventative measures. Conduct a home inspection by checking 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.
 
 
Review your homeowners insurance coverage
 
Many things can change over the course of a year, which may have an impact on your home insurance needs.  It is important you read through your policy to better understand the coverages you have purchased, Remember, Edison Insurance Company has several coverage options which can be tailored to suit your needs. In the event the unexpected occurs, you will have peace of mind knowing your home is covered. Should you need to make any changes to your policy upon completion of your annual checkup, be sure to contact your agent or call us at 866-568-8922.
 

 

Reviewing and Understanding your Homeowners Policy

An insurance policy on a table.

 

Many things can change within a year, which could impact your insurance needs. The start of a new year is a good time to take an opportunity to review your homeowners insurance policy and your coverages. Doing so may save you some time and money should the unexpected occur. Here are a few things to look at while reviewing your policy:

 

What is covered?

Your homeowners insurance is made up of several coverages which can help pay to repair or replace your belongings and your home should they be damaged by certain perils such as fire, theft or windstorm. A standard homeowners policy typically includes the following coverages:

  • Coverage A: The limit for your dwelling/home physical structure, and any other structures permanently attached to your home.
  • Coverage B: Often referred to as “Other Structures” protection, Coverage B provides coverage for structures not attached to your dwelling/home.
  • Coverage C: Extends coverage for your personal property and belongings.
  • Coverage D: Provides coverage for the additional living expenses incurred, as a result of your home being deemed uninhabitable due to damage sustained from a covered peril.
  • Coverage F:  Also known as “Medical Payments to Others” coverage, offers coverage for medical bills should someone be hurt or injured on your property.

 

Edison Insurance Company also offers additional coverages and increased limits to best suit your needs.

 

What is not covered?

Although your homeowners insurance covers many types of perils, there are exceptions. One notable exception is flood coverage, as a standard homeowners policy does not cover flood damages. However, Edison Insurance Company offers a certified flood endorsement to qualifying policies, which eliminates the need for a standalone flood insurance policy.

 

Should you have any questions or need to make any changes to your policy, please contact your agent for assistance.

 

7 Simple Holiday Safety Tips



The holiday season has arrived, bringing the season to spend time and create memories with family and friends. However, it is important you and your loved ones make safety a top priority. As such, we would like to provide the following tips to lessen the risk of an accident occurring this holiday season:
 
  1. Check electrical decorations for any cracks or damages prior to decorating.
 
  1. Keep candles and lit menorahs away from flammable items and out of reach of children and pets.
 
  1. Reduce your risk of a fire by never overloading electrical outlets.
 
  1. Plants, such as poinsettias are pretty for decorative purposes but are poisonous to humans and pets, so be sure to keep them out of reach.
 
  1. Be sure to water your live trees often, as dry trees pose a serious fire hazard.
 
  1. If you use an artificial tree, choose one labeled fire-resistant.
 
  1. Give children gifts which are age-appropriate and avoid small or toys with detachable parts which could pose as a choking hazard.
 
 
 
Remember to follow these tips to ensure a worry-free and safe holiday season with your loved ones.  For more safety tips, click here.
 
 
 
 
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 FL 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.
 

Usable Tips for National Package Protection Day



National Package Protection Day is celebrated annually on the Wednesday after Thanksgiving to encourage consumers to protect themselves against package theft. As online shopping becomes more and more popular, especially over the holiday season, several million packages will be shipped to doorsteps throughout the country over the holidays. Package theft has become an ever-growing concern in recent years. Take steps to protect your packages this holiday season by following these tips: 

 
  • Keep an eye out for when your packages are set to arrive at your home by tracking them online. Most online retailers provide tracking numbers once your items have been shipped.
 
  • Installing security cameras is not only a great deterrent from criminals but is also a great way to see when your packages have arrived.
 
  • Should you be away from your home for several hours or a few days, ask a trustworthy neighbor or friend to collect your package for you.
 
  • Reduce the worry altogether by selecting a “ship in-store” option. Although it may not be as convenient, it does provide additional security and is usually a free option. Should the retailer you are purchasing from not offer in-store pickup, consider shipping your package to a local pack and ship store for pickup.
 
  • An additional option is to have your packages shipped to an Amazon Locker facility or UPS Access Point, where you can pick up your packages by showing proper identification. 
 
  • Should you know you won’t be home when your package is set to arrive, most mail carriers allow you to reschedule your delivery. This is a great option, however, in some cases, it may cost you a few extra dollars.
 
 
By taking heed of these tips, your packages should arrive safely this holiday season. Happy shopping!
 
 
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.

Blast into 2020 Safely




New Year’s Eve is one of the most popular days of the year for fireworks displays. As fun and exciting as setting off your own fireworks display can be, it can easily become dangerous should safety precautions not be in place. Fireworks used incorrectly can lead to some serious injuries, and nobody wants to start their new year in an emergency room. In preparation for the upcoming New Year’s celebrations, we would like to share the following fireworks safety tips:

 
  • If fireworks are illegal where you live, do not use them.
 
  • Designate a responsible adult to set off fireworks.
 
  • Place fireworks on a level non-flammable surface.
 
  • Shoot fireworks off in an open area, away from spectators and flammable materials.
 
  • Do not point or throw fireworks at other people.
 
  • Young children should be supervised around fireworks and sparklers.
 
  • Never re-light or pick up fireworks which have failed to ignite.
 
  • Fireworks should be lit one at a time
 
  •   Move away quickly after lighting a firework.
 
  • Douse used fireworks with water before discarding.
 
  • The safest option is to leave it to the professionals and attend a public firework show.
 

We hope you will take our suggestions into consideration and be on your way to a safe 2020. Wishing you and your family a very happy and safe New 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. 

Fraud Alert

 
 
During the past several months, Edison Insurance Company has received reports of check scam involving our company.  If you receive a check in the mail along with a request to contact someone by text or phone, it may be fraud!
 
It has been discovered checks bearing the name of Edison Insurance Company have been fraudulently issued to consumers in response to an online employment/advertisement venture.  The scam may also request recipients to cash the check and pay a fee.
 
Should you think you have received a fraudulent check, have been contacted regarding a check in exchange for funds, or may have been a victim of this scam, please contact our Special Investigation Unit at 866-923-2920 or by email at reportfraud@floridapeninsula.com.  You can also report fraud to the State of Florida by clicking here.

Daylight Saving Time Ends November 3rd


 

The clocks will turn back at 2 a.m. on November 3rd, to mark the end of Daylight Saving Time. Other than the extra hour of sleep, here are a few things you should remember about Daylight Saving Time:
 
 
  • It will begin to get dark an hour earlier in the evenings. If you have any outside lights on a timer, do not forget to reprogram them to adjust to the new time.
 
  • Although most of our computers and smartphones will automatically adjust, remember to manually turn back the clocks in your home including those found on stoves, microwaves and other appliances, as most of them won't reset themselves.
 
  • Daylight Saving Time also serves as a great opportunity to test the smoke and carbon monoxide detectors in your home and change their batteries if necessary.
 
  • Standard time will be used through March 8th, 2020, then the clocks will "spring" forward one hour for the start of Daylight Saving Time.
     
 


 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. 
 
 

Cooking Safety Tips for Thanksgiving




Thanksgiving is a time to enjoy your family, friends, and a delicious feast. A Thanksgiving meal can be a lot of work for a host, and if proper cooking safety precautions are not taken, your day of thanks could turn into a disaster. The National Fire Protection Association (NFPA) reports Thanksgiving to be the peak day for home cooking fires. In fact, the NFPA reported fire departments in the U.S. responded to over 1,500 home cooking fires on Thanksgiving in 2016.
 

We want your thanksgiving to be fulfilling and safe for you and your guests. As such, please consider the following cooking safety tips:
 
  • Before you begin cooking, test the smoke alarms in your home to be sure they are working properly.
 
  • Never leave a hot stove or oven unattended.
 
 
  • Keep your children and pets away from hot appliances, food, and liquids.
 
  • If you are deep frying your turkey, be sure your fryer is used outdoors and away from your home and flammable materials.
   
 
  • Consume or freeze leftovers within 3 to 4 days of your Thanksgiving meal.
 


From our family to yours, have a wonderful and safe Thanksgiving! For more safety information, 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.

International Fraud Awareness Week – Fraud Prevention Tips



Fraudulent activity continues to be a growing epidemic throughout our country and the world. In fact, there were over 1.4 million fraud reports in the United States in 2018, as reported by the Federal Trade Commission (FTC). These fraud reports resulted in a loss of roughly 1.48 billion dollars. The FTC also reports the top types of fraud in 2018 were: imposter scams, debt collection, and identity theft.  Florida ranked as one of the top states for fraud reports. With these startling numbers, it is important consumers take precautions to not fall victim to fraud or identity theft. In honor of International Fraud Awareness Week, November 17-23, we would like to provide you with the following fraud prevention tips:
 
 
• Never give out personal information to untrustworthy sources.
 
• Confirm web addresses change from “http” to “https” or “shttp” when you put in any financial or sensitive information into a website.
 
• Be cautious of unsolicited emails and delete them
 
•  Verify the legitimacy of an email, text, or call by contacting the company on the phone or in-person.
 
• Do not wire money, use a reloadable card, or use a gift card as forms of payment to a possibly illegitimate company.
 
• Get a second opinion before you give personal information or money to someone.
 
 
In the event you should fall victim to fraud or identity theft, Edison Insurance company is here to help.  We offer identity theft expense coverage which could be added to your homeowner’s policy at a minimal cost. This coverage pays for expenses incurred as a result of any single identity theft or fraud discovered or learned during the policy period up to a limit of $25,000. To learn more about our identity theft coverage, or to add it to your policy, contact your agent.
 
 
 
 
For more information on fraud and fraud prevention, visit the Federal Trade Commission website.
 
 
 
 
 
 
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 FL 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.
 
 
 

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.