Friday, July 29, 2016

Back To School Tips

It’s August and back to school season is just around the corner.  Are you prepared?  Here are a few tips to get you and your family ready “insurance” wise!

Talk about Safety! 
  • Do you have young children who will be walking or riding their bike to school?  Take time to talk about safety and do a “dry run” of the school route. 
  • Have your children practice following the sidewalks, understanding the traffic lights, stranger safety, and what to do in case of an emergency. 
  • Don’t forget to buy new helmets or other safety gear so that it’s the right fit for the new school year.  There are some great video resources on bike safety for a variety of ages available here:
Cell Phone Safety
  • If your children are a little older, then you have another safety discussion!  Talk about the rules for using cell phones while driving, especially in regards to texting.  In 2012, driver distraction was the cause of 18% of fatal accidents.  Some studies have shown that texting increases the risk of a crash 23 times over driving while not distracted! 
  • Set up clear consequences for distracted driving and be clear with your teens about the dangers.  If you need ideas, here is a sample contract to create between you and your teen driver that you can adjust as needed - 
Get Good Grades
  • Depending on your policy, you may be eligible for discounts when your teenage driver has good grades!  Encourage them to keep their grades high for many reasons, with better insurance rates being one of them.  This is especially motivating for teens that have to pay for their own insurance!
  • There are also some discounts available for drivers ed and additional drivers training courses.  Give us a call to discuss what is available on your particular policy.   
College Kids Count Too!
  •  While you’ll want to remind your college age kids about not driving distracted, there are a few other things to consider for them too.
  • Depending on your Homeowners insurance, you may or may not need additional coverage for your college student’s belongings while away at school.
  • Those laptops, textbooks, clothes, and electronics can add up fast!  While Homeowners insurance does provide coverage for property off premises, it may not be enough (or may have a high deductible). 
  • We can review your current policy and look at options for covering your student’s belongings through your Homeowners or a new Renters insurance policy.
  • If you have questions about your college students or teen driver’s insurance, give us a call today.  And enjoy going back to school!
Give us a call at 703-556-7857 to prepare your family for the school year.
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Image Courtesy of George Hodan at Public Domain Pictures

Monday, June 6, 2016

Do Stay-At-Home Parents Need Life Insurance?

A lot of us assume that the only people who need life insurance are the breadwinners of the family.  The person who brings home a paycheck that would need to be replaced if they were to pass away.  But this simply isn’t true! 
If you’re a single-income family, you also need to consider life insurance for the stay-at-home parent in your household.  Why?
Well even if they aren’t bringing in a regular paycheck, the stay at home parent is contributing in many ways - and those costs add up!’s annual survey assessed that the base salary of a stay at home mom comes to $48,509 with an additional $94,593 in overtime pay!  Stay at home parents are in charge of child care, housekeeping, daily cooking, shopping, and many other household tasks. 
If they were to die, the working parent would still need to work, but would also have to afford child care and take on ALL of those household jobs.  It would be extremely tough, especially after a terrible loss.
This is where good life insurance comes in.  With the right coverage, the surviving spouse could afford the help they needed in a difficult situation.  Plus, they could arrange to take time away from work as needed so that they could be there for their children. 
Unsure of how much coverage your family needs?  Let us help.  We’ll review your current household income and how much coverage would protect your family as well as your stay at home parent.  Call us today at 703-556-7857 for a free no-obligation review and quote. 
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