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The Advisor from Allen Insurance Group for April-May 2016

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The Advisor

a publication of Allen Insurance Group

April-May 2016
ReminderJust in case you didn’t know……..
We want to remind you that Allen Insurance Group can provide coverage for all types of policies for you personally, for a business and for employee benefits.

Go to our Website

Go to our Personal Lines Page

Go to our Business Lines Page

Go to our Employee Benefits Page

Prom Night

Prom night is an exciting time for our teens. I’m sure you can still remember your own prom night. Every parent wants their teen to carry those memories with them for a life time. However, prom night can also see more tragic defining moments – serious car accidents involving teens who are distracted or even under the influence of alcohol or drugs.

Here are some tips that can help keep your teen safe. Also, please share this video from the Insurance Information Institute with your teen for another reason why they should not drink and drive.

– Encourage your teen to follow these general safe-driving rules:

o Absolutely no alcohol

o Always use seat belts

o No cell phone use (including texting) while driving

– Make sure you know what’s going on for the evening, as well as who else will be with your teen. You should get contact information for everyone.

– Have a way to contact your teen at all times. You might want them to check in with you once or twice over the course of the evening.

– Set a curfew, whether they are coming home or staying with a friend. If they are staying somewhere else, make sure the curfew will be enforced by a responsible adult.

– Discuss with your teen how to handle difficult situations, such as facing peer pressure to drink or accepting a ride with someone who shouldn’t be driving. It’s a good idea to give your child money for a taxi just in case.

– Offer a "no-questions-asked" ride home, should they need one during the night. If you are worried about your teen driving consider alternate transportation, such as a car service or limo.

Prom is a special time in your teen’s life. A little bit of common sense will go a long way toward making sure your young adult is around to enjoy the other milestones that are sure to come.

Tree in House
Whose homeowner’s insurance covers the damage?
Our clients are often surprised to learn that a neighbor’s fallen tree that does damage to their Home, Garage/Shed, Fence or Auto is covered by their policies and not their neighbors.

Learn More About Fallen Trees

Homeowner’s Inventory
When a claim occurs involving your home, will you be able to recall your possessions?

What is in the back of the kitchen cabinet?

What was in that closet/dresser drawer?

We recommend that you stand in each room, open all the doors, cabinets and drawers and take photos. Our insurance department also publishes an inventory list that would be very helpful. These photos and/or list should be kept off premises.

This information can be very valuable should you have a serious Homeowners claim.

DE Insurance Dept – Inventory List

Privacy Notice
This notice will also serve as your annual Privacy Notice that we are required to send each year by Federal regulation. The notice is available on our website at www.alleninsurance.com or you may call our office

302-654-8823 to request one be mailed to you.

Read Our Privacy Notice

Allen Ins Group logo

410 Delaware Ave Wilmington, DE 19801

302-654-8823

allen

www.AllenInsurance.com

2016
Your referrals are appreciated and we thank you for sharing our agency with your friends and family.

Since 1932 we have provided coverage to the Tri-state area for:

Personal Auto

Home/Tenants

Boats/Cycles

Life Insurance

Business Lines

Work Comp

Group Medical

Group Dental

Group Vision

Retirement

Business Life

Long Term Care

Disability

Quick Links
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About HBA of Delaware

HBA/DE has been an integral part of the growth and economic development of the State of Delaware since 1947. HBA/DE was founded as a non-profit state affiliate of the National Association of Home Builders (NAHB) representing home builders and other businesses directly related to Delaware's Home Building Industry. Consisting of Builders, Remodelers and a group of diversified associate members, the Home Builders Association of Delaware strives to protect and preserve housing as a symbol of America. www.hbade.org

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