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:




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.

Long Term Disability

February 24, 2013

Nobody likes to think about what life would look like should disability occur. But the reality is one third of all Americans between the ages 35 and 65 will become disabled for more than 90 days, according to the American Council of Life Insurers. Loss of income can devastate families.  Long Term Disability Insurance is designed to cover lost wages in the event of a disabling accident or illness. Different policies have different stipulations but nearly all require a waiting period before disability payments begin and will reimburse for a pre-defined percentage of your income, generally 45% – 60%. There are two broad categories, Long Term Disability (LTD) and Short Term Disability (STD). Premiums and waiting periods will differ between the two types along short term and long term category lines.  Essential Insurance Concepts offers competitive plans and can provide valuable assistance in this area.

Many people don’t consider disability protection because they don’t think they would need it, or it is covered under employer health plans or workers’ compensation. Yet the need for disability protection is greater than for life insurance, at least when considering the probability of becoming disabled for some significant interval versus dying prematurely. Individual coverage is available, so contact Essential Insurance Concepts today.


The Patient Protection and Affordable Care Act, or Healthcare Reform, will have an impact on all employers in Texas. With the election over, it is almost a forgone conclusion that the Act will be implemented over the next several months.

There is no question that there will be significant issues facing employers over the next number of years. These issues will most likely mean higher health care costs and more administrative time.

The (PPAC) creates many questions for employers and we are here to help you design a plan of how to respond. Essential Insurance Concepts understand this and is pleased to announce the formation of our Benefits Group which will help our clients and prospects work through the new law. We now offer a wide range of life and health services and have access to a number of competitive providers.

Although many of the provisions of PPACA don’t take effect until 2014, the law — along with the continuing trend of skyrocketing health costs — is prompting many employers to take major steps during this enrollment season. Yet as employers begin to create strategies to adjust plan design and costs under PPACA, many still remain in the dark as to how to fully implement the law.

One drawback of the reform, is that there are no caps on health insurance premiums, so expect some rate increases. If you have more than 50 employees, you will have to provide coverage or pay a fine beginning in 2014. As of 2013, there will be new taxes on income for small business owners; we recommend you consult with your tax professional.

Employers with more than 200 full-time employees that offer health coverage to their employees will be required to automatically enroll new and current fulltime employees in one of the plans offered, with employees having the option to opt out.

Essential Insurance Concepts has already developed strategies for our clients. If you are concerned about the effects of reform please contact our office.


Essential Insurance Concepts is an independent agency. This means we don’t work for any one insurance company. We have access to many insurance companies, giving us the ability to shop your account and search the best option for you. With captive insurance agents, like the big national companies, you only get the guidance of one company that sells one brand of insurance. There are a number of benefits to working with us:

  • We will work with you to make sure your claim is processed to your satisfaction
  • We provide a number of coverage options
  • We are not obligated to any one company
  • We search the market for the best combination of price and coverage
  • We are committed to exceeding your expectations
  • You are who we answer to, not a board of directors in NY
  • We are licensed professionals with strong customer and community ties
  • Essential Insurance Concepts is your one stop shop; we offer a complete line of insurance
  • Our staff is qualified and trained to explain coverage in understandable language
  • We can review coverage and make necessary changes based on your needs

When you work with us, we will give you unbiased advice.  As an independent insurance agent we are very knowledgeable about all the companies that exist in the marketplace. We know which companies have the best track record when it comes to pleasing their policy holders. We can narrow your options down and help you choose between the best insurance companies in the market. Not all insurance agents are the same! Choosing the right one can make a big difference – in price, service, and value.  We live here and understand the needs of our neighbors.