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Can you recall all the items in your dresser or cupboard? For most of us the answer is no. You never know when a home disaster, like a fire or a flood, will strike, so be prepared by having all your belongings documented. Developing a home inventory is a comprehensive way to account for your personal property.

To create your home inventory list, go through each room of your house to write and/or take photos of its contents. You want to list large and expensive items individually (like appliances, jewelry and furniture) and group together smaller items in sets (like books, toys, or linens).  Don’t forget to include items stored in your basement, attic, garage, or shed.

If you have a larger home, or a lot of belongings, starting a home inventory list may seem overwhelming. Try breaking the project into several, smaller tasks. For example, inventory just one room a day or one category of items (furniture, for example) at a time.

There is a good web based program that can help you manage the process. See below:

https://www.knowyourstuff.org/iii/viewOnlyNoLogin.html?page=front_take

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Driving on Highway

According to the Insurance Institute for Highway Safety, teenagers are four times more likely to get into an auto accident than older drivers. Simply put, experience on the road makes a difference. Teenagers lack experience and are often overconfident when driving. However, students enrolled in a driver’s education course can gain the experience and respect for the road that can make them safer drivers. We came up with five benefits and advantages for your teen to been involved in driver’s education.

Advantages of driver’s education for teen drivers:

  1. Provides teens with better understanding of traffic rules and laws. Teens will learn the basic rules of the road from both class time teaching and actual road driving experience. In a driver’s education course situation, your teen will be required to demonstrate their knowledge and driving skill prior to taking the driving test.
  2. Some states require it. Some states now require new and/or teen drivers to take part in a driver’s education course before a driving permit or license can be issued.
  3. Your Teen will have more confidence. Having more time behind the wheel combined with classroom training makes teens more confident about their abilities as a driver.  Driver’s education also helps teens understand safety guidelines as well as defensive driving.
  4. Save money with lower premiums. Teen drivers with documented drivers training certificates do have lower premiums.
  5. Safety tips from experienced drivers. Having a trained professional educate teens on driver safety is invaluable. Trainers are kept up to date on the newest regulations and driver’s safety tips.

Driver’s education courses continue to be the best way for new drivers to ease into the responsibility of becoming a motorist. Essential Insurance Concepts, Inc. has many good markets for teen drivers, contact us today.

wedding cakeIs there anything worse than planning and preparing for your wedding or special event only to have it canceled at the last minute due to weather, or some other unforeseen reason? Weddings are important and you want your event to go off without any issues. Wedding Cancellation Insurance helps protect your special day and the planning days leading up to it.

Wedding Cancellation Insurance can help if you face a cancellation or postponement due to an unforeseen event such as illness, inclement weather or military deployment. Wedding Cancellation Insurance will provide reimbursement for deposits forfeited and other charges paid or contracted to be paid by the insured. This can include transporting costs, catering services, property and equipment rentals, location rentals, accommodations (including travel arrangements and accommodations for a honeymoon if applicable), special equipment, flowers, event photographs, videos and/or entertainment expenses.

Examples of Event Cancellation Claims:

  • Heavy fog at a spectator event
  • Heavy winds at a balloon event
  • Flooding of local roads prevent access to venue
  • Convention center destroyed by fire

For the bride and groom: as you celebrate the beginning of your lives together, Wedding Insurance can help protect your financial future if something beyond your control should go wrong.

For the parents of the bride or groom: an investment in your child’s wedding is an investment in their happiness. You want to protect their dreams of a perfect wedding – and your own financial security. If the unforeseen occurs, Wedding Insurance is there.