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EDISON BLOG

Archive: September 2019

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.