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This software will help you create a room-by-room inventory of your personal possessions.

Having an up-to-date home inventory will help you:

  • Purchase enough insurance to replace the things you own.
  • Get your insurance claims settled faster.
  • Substantiate losses for your income tax return.

You can always simply make a list in a notebook and save receipts and photos in a file. This software, however, should make this task fun and simple. More importantly, with the click of your mouse, you can update this list as you buy or eliminate personal possessions.

Download the free home inventory software here.


Download home inventory worksheets and lists below:

Home Inventory Worksheet     Home Inventory Worksheet

Memory Jogger (for use with home inventory worksheet)

If you're like most people shopping for a new car, safety ranks high among things you're looking for. Use this tool to look up safety ratings for different vehicles.

Auto Crash Test Tool


Has your teenager made the safe driving promise yet?

Teen Driving Contract (from teendriving.com)

When teens negotiate their own set of car keys, parents worry that they’ve said goodbye to all control.  It’s true that teens experience a new sense of freedom when they get their licenses.  But they often don’t understand the responsibilities that come with the privilege.  Parents can help by drawing up a driving contract, before turning over the keys, that clearly states the family rules as well as the consequences for breaking them.  A contract should address safety, good driving skills, and particular situations in the following areas:

 The car

Parents should make decisions on the following car related items and add them to the contract.

  • Which car(s) the teen is allowed to drive:  The car should have a driver’s side airbag, a good safety rating, and be easy to maneuver

  • Car care—including putting gas into the car, oil changes, tire pressure, and regular maintenance requirements

  • Car clutter—keeping the car clean inside and out and free of trash

  • Paying for insurance.  Insurance rates for teens are often twice the ones for adults over twenty five—and for good reason.  Teens have an average of three accidents between 16 and 20.  Some parents find that having their teens pay the insurance costs with their part time jobs provides some incentive for avoiding reckless  onroad behavior that often results in accidents.  Insurance rates will rise sharply with each accident—sometimes costing thousands of dollars per year.

 Safety:

The contract should also stress safe driving practices, including:

  • Always obeying the speed limit and traffic laws

  • Always wearing seat belts and making sure that all passengers are buckled up before driving

  • No drinking/drug use—Parents should always be vigilant in watching for signs of alcohol or drug use by their teens and talk to their teens and seek professional help if they find indications.   Driving while impaired is one of the leading causes of fatality in vehicle crashes—and the numbers are unfortunately on the rise in the last few years.  The contract should state that teens are not allowed to drink and drive, have alcohol in the car, or even be a passenger in a car with a driver who has been drinking or using drugs.  Assure your teen that they can always call you to come get them if they get stranded at a gathering.

  • Not driving with friends in the car.  We suggest that teens not be allowed to drive with friends or even younger siblings in the car for the first six to twelve months of having their license unless an adult is also in the car.  Many states have instituted graduated licensing programs that also have this limitation.  Distractions are one of the main causes of accidents for new drivers.  And trying to keep track of conversations, playing around, or trying to act cool could lead to a crash. 

  •       Not using cell phones or texting while driving.
  • ·New drivers should let parents know where they are going and when they plan to return.

  • Curfews.  Night driving is especially difficult for a new driver and more accidents happen in the 9:00 p.m.-2:00 A.M. timeframe than during the daylight hours.  Set realistic curfews, but also tell teens that if they are running late, it’s always better to drive safely than speed to make up the minutes—and to call you if possible to let you know they are on the way home.

Consequences

The contract should specify what happens if the rules are broken.  It’s a good idea to get your teen’s input on appropriate penalties.  For example, a speeding ticket might result in the loss of driving privilege for a week and having to pay for the ticket. 

The following is a sample contract that parents can modify by adding their own consequences to meet their needs.

 Driving Contract 

I __________________________,  agree to the terms of this contract allowing me the privilege of driving my

own car or family vehicles  If, at any time, I violate this agreement, the driving privilege will be forfeited to the extent and degree of violation.

 

1.        I will obey all traffic laws and the posted speed limits and follow safe driving practices at all times.

2.        I will not drink and drive, or use drugs and drive and will not have any liquor or  beer or illegal drugs in the car at any time.

3.        Should I get a traffic violation ticket, I agree to pay for the ticket as well as the difference in the insurance premium for as long as the premium is in effect.

4.        I agree to pay for damages that I incur not covered by insurance including all deductibles.

5.        I will never transport more than ______ passengers in the car and will not drive the car until all passengers have buckled up.  For the first six months, I will not drive friends and siblings in the car unless an adult is present.

6.        I will keep the car that I drive clean, inside and out take care of gas, oil, and maintenance requirements.

7.        I will inform my parents about where I am driving, when I plan to return, and if I will be late coming home.

8.            I will not make calls or text on my cell phone while driving. 

 Optional:

  •                 I agree to pay for car insurance.

  •                 I am allowed to drive the following family cars:  list car or cars.

  •                 My curfew for night driving is 10:00 p.m.

     I have read the above agreement and do sign this in accordance with the rules.

 

Signed by Teen and Parents on the specific date.


What to do in the case of an automobile accident:

Download and print this form, keep it in the glove box. 
Download and print this form, keep it in the glove box. 


Insurance Information Institute
A non-profit group sponsored by the insurance industry to provide general information about insurance. This is an excellent resource for unbiased information. Order publications at the web site.
http://www.iii.org/ 
 
Highway Loss Data Institute
Information on car theft, collision and injury listed by car make, model and year. Also contains extensive highway safety tips and information.
http://www.carsafety.org/ 
 
Insurance Institute for Highway Safety
Excellent information and sobering statistics on automobile safety.
http://www.hwysafety.org/ 
Useful Worksheets for Home & Auto
Auto & Homeowners
Auto Accident Report Form
(to keep in glovebox)
Auto Accident Report Form
(to keep in glovebox)
Home Inventory Form
(complete before a loss occurs)
Home Inventory Form
(complete before a loss occurs)
Memory Jogger
(for use with home inventory worksheet.)
Tips for being prepared in case of a loss:
Prepare for a Property Loss
Prepare for an Auto Loss or Accident
 Life Stages tool provides easy to use information on insurance and financial planning for different stages of your life.
  Raising Children
  Divorced
  Student
  Employment Change
  Married
  Senior Years
  Single
  Domestic Partners


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    Phone 713-899-4651
    Fax 281-754-4695

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