EDISON BLOG

Category: Consumer News

5 Easy Home Improvement Projects



 

Giving your home a little extra TLC can go a long way in keeping you and your family safe, saving a little money, and increasing your home’s value. Check out these simple projects you can do to show your home some love:


Power Wash

Your deck and driveway can become stained by mildew, wet leaves, and automotive leaks. Give those areas a thorough power wash for a renewed look.

 
Get your ducts in a row

If your dryer is not as efficient as it used to me, lint could be the culprit. Lint buildup in your ducts also increases your risk of a fire. Clean your ducts by moving your dryer away from the wall, unplugging the dryer, disconnecting the ductwork and vacuuming out the duct. Should you not feel confident performing this task, call a professional.
 

Switch to a Programmable Thermostat

If your house still has an old dial thermostat, you may want to consider switching to a programmable one. Programmable thermostats allow you to vary the temperature in your home accurately and may save you some money on your energy bill. Click here for installation instructions. 
 

Change your faucets

Is it time to update your old, leaky faucet? Grab a wrench, turn off your water supply, and install a more efficient faucet. By changing your faucet, you may save some money on your water bill.
 

Clean the Carpets

If you have carpeted areas in your home, they can become victim to spills, and accidents. Ideally, you should have your carpet professionally cleaned yearly. However, if you are looking to save some money, rent a home carpet cleaning machine from a participating store and bring your carpets back to life.
 

We hope you take these tips into consideration and show your house a little love.



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.

 

Understanding Your Home’s Worth


 
Have you ever wondered what your home is worth? Nearly all homeowners know what they paid for their home, but this does not always translate to the amount it will cost to rebuild the home.  The cost to rebuild is the true value of your home and will guide you when obtaining the proper coverage for your home.
 

What is the difference between Market Value and Replacement Costs?

Estimating the market value of your home is necessary for financing, investment purposes, and sales listing.  Many homeowners keep track of changes in the market value of their home whether they are selling or staying. Often times, homeowners will hire a professional appraiser, or do their own research online.

There are several benefits to knowing the value of your home such as, when you are considering refinancing, making home improvements, renting, or selling your home.
 

Understanding the cost of rebuilding your home is completely different.  The market value of a home is dictated by completely different variables than the ones dictating the cost to rebuild your home.  These factors also influence your homeowners insurance coverage and premium.


Replacement costs are based on the material and labor costs associated with rebuilding or replacing your property. When insuring your home, your dwelling coverage should equal the cost of replacing your home in the event of a total loss, at today’s labor and construction prices. Speak with your Edison Insurance agent if you have questions about your insurance limits. Remember, when making coverage decisions, you should consider selecting coverages which will provide you enough protection to rebuild your home at today's cost. 
 


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, click here.

 

Annual Check-Up on Your Home


 
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 require an annual check-up too. 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 be in need of 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.  Read through your policy to better understand the coverages you have purchased, and contact your agent if you have any concerns, or need to make changes. Remember, Edison Insurance Company has several coverage options which can be tailored to suit your needs. Should the unexpected occur, you will have peace of mind knowing your home is covered.
 
 
We hope you take these tips into consideration to have a happy, safe, and worry-free 2018. 
 
 
Thank you for visiting the Edison Insurance Company Blog. Keeping your family and home safe and protected is our number one priority. Edison Insurance Company has 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 us, or to receive a personalized home insurance quote, visit our website

Tax Identity Theft Awareness Week



Did you know, tax identity theft is the most common form of identity theft reported to the Federal Trade Commission (FTC)? The issue has become so prevalent in recent years, the FTC has designated January 29- February 2, 2018, as Tax Identity Theft Awareness Week.
 
What is tax identity theft?

Tax identity theft occurs when someone files a tax return using your information, such as your Social Security number, in hopes of stealing your tax refund. Should you become a victim of tax identity theft, you will find out about it when you receive a letter from the IRS stating: IRS records show wages from an employer you do not know or work for, or more than one return has been filed in your name.
 
Protect Your Identity

Do not fall victim to tax identity theft by following these tips:
  • File as soon as possible
Once you have received all the necessary paperwork, file right away. In doing so, a thief cannot file a return in your name if you have already filed a legitimate return.
 
  • File safely and securely
Use a trusted service when filing your taxes, whether it is online or in person.
 
  • Protect your Social Security Number or Medicare number
Do not give out your personal information unless you must. Be sure to ask why it is needed, how it will be used, and where and how it will be stored.
 
 
What to do if your Social Security Number has been stolen

When someone has filed a tax return using your Social Security number, you should receive a letter from the IRS. If you don’t receive a letter and still suspect a fraudulent return has been filed with your personal information, there are steps you can take: Visit the identitytheft.gov  website, to report identity theft to the FTC and get a recovery plan.
Miami, Fort Lauderdale, and West Palm Beach are some of the top metro areas for identity theft complaints in Florida. Make sure you are protected.
 
You may also consider obtaining Identity Theft protection from Edison Insurance Company.  Talk to your agent about adding an identity theft endorsement to your policy for as little as $25 a year.  Edison’s endorsement will reimburse you for up to $25,000 for expenses incurred to restore your credit, as well as, provide you with “resolution services” from a consumer fraud specialist who will assist you in the process of restoring your identity and your credit to the level it was prior to the breach.
 

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 Ways to Make Your Home Safer



 
As a homeowner, you already know the basics. Locking your front doors, looking through the peephole, or asking “Who is it?” before opening the door, and setting the alarm are usually done by instinct. However, there is more we can do to protect our homes in just 5 simple steps:
 
Examine all doors in your home for potential weaknesses: To prevent intruders from kicking your door in, use a solid wood or steel door, instead of a hollow lightweight door. If you have sliding doors, inspect the locks to make sure they are sturdy. For extra protection, use a rod or metal stick to stop the door from sliding open, even after you have locked it. This method also prevents small children from sliding the door open and injuring themselves.
 
Use longer, tougher screws: The screws in your deadbolt strike plate (the piece of metal where the deadbolt latch goes into the door's frame) should be at least three inches long to ensure the plate is sturdy and not easily knocked out.
 
Warning signs: Intruders generally seek the easiest target. If you are using a security company for an alarm system such as ADT, don’t hesitate to hang a sign or stick a decal on your doors and windows. Let everyone know your home security system is armed and ready.
 
Be creative: If an intruder does manage to enter your home, they will attempt to grab the most valuable items in a short period. Instead of placing your valuables in obvious places like the dresser drawer and bedside table, put them in a hidden safe and instead. You can even use little tricks such as leaving an old, worthless laptop or shiny costume jewelry out where they can see. It is unfortunate if your home is burglarized, but at least you’ll be able to protect most of your belongings.
 
Practice safety measures when going on vacation: Simple steps such as placing your mail on hold, setting timers on your lights, and parking your vehicle in the garage make it difficult for people to you are planning a trip. 



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.

Common Forms of Identity Theft



Many people fail to realize identity theft comes in various forms. You’ll be surprised to learn how easily your personal information can be accessed by hackers, and in how many different ways. There are steps to protect yourself from falling victim to identity theft, but first, you should know the common types of theft or fraud.
 
Insurance Identity Theft
 
This type of fraud occurs, for example, when someone uses another person’s information to receive medical treatment. It can have a serious impact and leave victims with higher insurance premiums and huge medical bills.
 
Child Identity Theft
 
This type of identity theft occurs when a child is the victim of the crime. Criminals will use a child’s social security number to access loans or even open accounts to commit fraud. It is important to protect your children identities, using the same measures you would to protect your own personal information. Falling victim to identity theft at such a young age could follow them through their entire lives, and affect them when they go off to college and apply for student loans or a car.
 
 
Tax Identity Theft
 
Tax ID theft is formed through fraudulent tax refund claims. Criminals send claims to the IRS using stolen information such as social security numbers and names. If you fall victim to this crime, it can significantly delay your ability to access legitimate tax refunds. You can protect yourself by practicing safe internet habits and avoiding opening and responding to strange emails about your personal information. Be very cautious when giving out your social security number over the phone and make sure the numbers you are calling (or calling you) are legitimate.
 
 
Synthetic Identity Theft
 
This is one of the most sophisticated kinds of identity fraud, in which criminals use a social security number in combination with fake information such as names and addresses, resulting in the creation of a completely new identity.
 
 
Criminal Identity Theft
 
This is a very common form of ID theft in America, where an individual commits a crime under someone else’s name. During the process of being arrested, the criminal will at times use a fraudulent ID with your name and other details, in order to keep a clean record for themselves. There are identity monitoring services you could use from reputable identity protection agencies to protect yourself, along with practicing safe habits online and even around ATM’s and public spaces.
 


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.
 

Keep Your Eyes Peeled and Your Identity Secure This Holiday Season



 
Around this time of year, the sales are hot and everyone is gearing up to buy presents, decorations, clothing and more. Criminals count on these heightened emotions to find easy targets for scams and theft.
 
Pay attention to your receipts and statements: This is a great way to keep track of spending and manage your holiday budget. It’s also a good reference to verify unknown charges on one of your accounts. Sometimes it could be forgetfulness, other times it could be theft.
 
Charity Scams: Always do your research before donating to a charity, especially during the holiday season. If you’ve never heard of it before, it only takes a minute to search it online.  Unfortunately, this is often the time of year where we see a rise in charity scams.  If you’d like to give this holiday season, contact your charity of choice directly to find out how you can donate to their organization. If you’re still iffy about giving money, donate your time to an organization in need.
 
Protect Yourself Online: Don’t let those sales fool you. When shopping online, avoid third-party websites. We’ve all heard the horror stories of ordering things from pop up sites and never receiving them, only to find out the shop has disappeared and you have nothing to show for it. Don’t do what’s convenient, do what’s right.
 
We hope you’ll keep these suggestions in mind in order to protect your personal information and finances during this busy time of year. Happy holidays!


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.

Tips for Traveling with Kids Over the Holidays



Traveling with children can be a challenge on any day, but if you’re headed to the airport over the holiday season, you may want to keep these tips in mind:
 
If possible, sign up for pre-check: In order to get through TSA lines much faster, it is a good idea to sign up for pre-check. This means not having to take your laptops out of your bag or having to take your shoes off (kids too). Pre-check makes for a hassle-free TSA experience.
 
Wrap on arrival: You’ll want to avoid carrying gift bags by hand when you have kids with you. Pack all gifts in one suitcase and wrap everything once you’ve arrived at your destination.
 
Don’t wake the kids: If you plan on catching a red-eye, dress your children appropriately before they go to bed. Comfortable clothing such as long-sleeved onesies or sweat suits are great for the chilly airport. If they’re small enough, all you’ll have to do when you’re ready to go is carry them to the car. When you arrive at the airport, you can use strollers to get to your destination easily. Unless you have night owls on your hands, your children will more than likely not opt to be awake during those hours.
 
Take advantage of early boarding: Most airlines usually call parents with small children to board first. By boarding early, you can take your time getting your bags into the overhead compartment and get your children settled down and buckled in. Be sure to carry portable devices or books to keep your children busy. Don’t forget the headphones!
 
Bring LOTS of snacks: Food always cures hunger and a case of the grumps. Be sure to travel with your kids’ favorite snacks in case they start to get a little grumpy.
 
Travel Necessities: Be sure to carry enough diapers, milk/formula, wipes and changes of clothing for your children. Anything can happen, so it’s best to be over prepared in situations like this. You should place these items in a bag which can fit under your seat for easy access. Don’t forget to be courteous and always change your child in the bathroom whether you are in the airport terminal or on the plane.
 
Purchase travel insurance: Travel insurance can protect you when your trip needs to be canceled because of the weather, or even a death in the family. If you need to cancel your trip for a variety of reasons, this can really come in handy. There are several types of travel insurance, including Trip Cancellation, Lost Baggage, Medical, Dental, Emergency Evacuation, 24 Hour Traveler Assistance, Baggage Delay, Travel Delay, and Accidental Death Coverages.
 
Most importantly, have fun! Traveling with kids doesn’t have to be a hassle. As long as you’re prepared, everything should go smoothly. Have a safe and happy holiday season! 


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.

 

Hosting Safety Tips for Thanksgiving


Hosting Thanksgiving dinner can be rewarding when you see family and friends come together to have a great time. However, if you don’t plan ahead, things can get pretty messy. If it’s your turn to host dinner this year, you’ll want to take a look at these safety tips:
 
Start cooking earlier: If you can be finished with your entire meal before your guests arrive, you’ll be one step ahead the entire night. We understand it may not always go this way, but try to get most of the cooking finished before guests arrive, so you can focus more on them.
 
Don’t do too many things at once: It’s important to take your time and not get too frazzled when balancing guests and your meal. Remember, your guests can mingle until dinner is ready. They understand you are busy hosting and it’s okay to take a step back to make sure your everything is in working order.
 
Keep an eye on the kitchen: When everyone starts to pile in, you’ll want to be extra careful with what’s happening around the kitchen area. There’s a chance your stove and oven will be packed full of food items. Make sure you know exactly what’s cooking, and when it needs to come out. If you lose track of what’s happening in the kitchen, this is a sure way to start a fire.
 
Ask for help: It’s tough for a host to do it all on his/her own. Ask for help from others in the household. With more hands on deck, things will go a lot smoother and you can cover more bases.
 
Keep an eye on your belongings: Most importantly, keep an eye on certain areas of your home. Guests may have the urge to wander, but it is best if you keep everyone in a general area, such as the living room and dining room. This way, you’ll know what’s going on at all times.
 
We hope you’ll keep these tips in mind when hosting dinner this year. Have a safe and happy Thanksgiving! 


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 or condo insurance, please call (866) 568-8922, or visit our website

Trick-or-Treating Safety Tips

 

 
No matter how young or old, Halloween night is one of the best nights of the year for some people because of a tradition called “trick-or-treating”. This tradition can be very fun, but also dangerous, since some people are out for the tricks instead of the treats. Take a look at these vital trick-or-treating tips before you take your children out this year:
 
Plan a route in advance: Most people walk very long paths for trick-or-treating. To avoid getting lost or taking an unnecessary route, plan in advance so you know exactly where you’re going. It’s best to choose safe neighborhoods such as gated communities (if you know someone who lives there) with security driving around. Some communities even get together to plan and decorate for Halloween, to make it fun and exciting for the kids.
 
Wear comfortable shoes: Heels might be a must-have for a princess costume, but after walking several blocks, you may end up carrying your child back home with a case of sore feet. It is important to dress comfortably so the night can be enjoyed, rather than regretted.  Be sure all shoelaces are double tied to avoid tripping in the dark.
 
Avoid dark clothing: Your children should be dressed either in bright colors, or wear something reflective to avoid being injured. When accompanying your children, carry a flashlight to help light the path, as well as to help you with your headcount (which should be done at least once on every new block). It is very common for children to wander away, or even follow the wrong family because of a costume mix-up. If your child is dressed the same as another child, be sure to call them by their names after they get their candy to make sure you are leading the right child back to you.
 
Check your child’s candy: This is a MUST for all parents or guardians. You should not allow your child to eat their candy unless it has been inspected first. Remember, these treats are coming from dozens of strangers who you may not have ever met before. Throw away any candy which has been opened or not in its original wrapper. Avoid letting your child eat home-made treats such as candy apples or chocolate covered pretzels unless they came from a family member or close friend.
 
We hope you will take these suggestions into consideration to make this Halloween a happy and safe one. Enjoy! 



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.