New Parents: Starting a family brings a lot of new responsibilities to consider, from protecting your child to securing your family’s financial future.

Your Teen Driver: Farmers knows that smart drivers are less likely to make mistakes. Educating young adults about the realities of the road is an important way to manage the cost of insurance – for Farmers and for you.

Y.E.S.: Farmers’ Y.E.S. (You’re Essential to Safety) Program offers driver education that can save you money: in participating states, teens that complete the Y.E.S. program are eligible for insurance coverage discounts.

Teen Driving Safety: Sponsored by Farmers, a teen driving safety video and brochure is part of Farmers’ commitment to providing driver safety education, helping novice drivers understand the consequences of good and bad decisions on the road.

• Any needs after the time of death, such as final illness expenses, burial costs and estate taxes.
• Funds for a readjustment period, to finance a move, or to provide time for family members to find a job.
• Ongoing financial needs, such as monthly bills and expenses, daycare costs, college tuition or retirement.

Serving the families of Las Vegas, Henderson, Pahrump and surrounding communities in southern Nevada is our specialty. Please contact us for a free, no obligation quote.

*This document is for informational purposes only. You should consult your attorney, accountant, or tax advisor for legal or tax advice.

What kind of business are you in? Find the coverage for you:

• Apartments
• Artisan Contractor
• Auto Service & Repair
• Commercial Real Estate
• Comdominiums
• Manufacturing
• Office
• Restaurants
• Retail/Service
• Wholesale Distribution

Contact us to see how we can create a solution for your business.

Contact me to learn more about how Life Insurance can protect your business and benefit you and your loved ones or beneficiaries.

Products and features may not be available in all states and may vary by state.
*Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040
**This document is for informational purposes only. You should consult your attorney, accountant, or tax advisor for legal or tax advice.

• Do you have adequate Life insurance* to cover your family should something happen to you?
• How can you prepare for the increasing cost of your child’s college education?
• Thinking about buying a bigger home for your growing family?
• Need a larger or safer car for your growing family?
• Want to plan a vacation that the whole family can enjoy?
• Simple steps to child-proof your house

I can help you to answer these questions and provide any additional information you may need.

*Issued by Farmers New World Life Insurance Company: 3003 77th Ave., S.E., Mercer Island, WA 98040-2890.

Whether you’re buying or leasing, there are important insurance considerations to take into account. Depending on your lease, you may be required to purchase more coverage than you might have if you were buying the vehicle. Also, some cars are simply more expensive to insure than others, whether because of safety records, theft statistics, or even how you plan to use the vehicle.

If you’re considering several models and can’t decide, I can help you make an informed decision. Contact them for coverage price comparisons for the models you’re interested in. A higher — or lower — insurance coverage premium may make the decision for you!

Before you commit to buying a new car, be sure to do your research. Some makes and models of cars, particularly those with excellent safety, theft loss or accident records, can be less expensive to insure.

Best Insurance Values by Safety Rating:
Compact: Subaru Impreza
Midsize Sedan: Audi A3, Audi A4, Honda Accord, Saab 9-3, Subaru Legacy
Large Sedan: Audi A6, Cadillac CTS, Ford Taurus, Mercury Sable, Volvo S80
Small SUV’s: Honda CR-V, Honda Element, Subaru Forester
Large SUV’s: Acura MDX, Acura RDX, BMW X3, BMW X5, Ford Edge, Ford Taurus X, Honda Pilot, Hyundai Santa Fe, Hyundai Veracruz, Infinity EX35, Lincoln MKX, Mercedes M Class, Saturn VUE, Subaru Tribeca, Toyota Highlander, Volvo XC90
Minivans: Honda Odyssey, Hyundai Entourage, Kia Sedona
Pickups: Toyota Tundra

Source: Insurance Institute for Highway Safety, Top Safety Picks 2008. The Institute rates vehicles good, acceptable, marginal, or poor based on performance in high-speed front and side crash tests plus evaluations of seat/head restraints for protection against neck injuries in rear impacts.

A home inventory is a detailed list of the personal property located in your home. You should also include property that you have stored elsewhere, perhaps in a locked and secure storage unit or a garage on the premises.

Your list should include all of your person contents such as furniture, jewelry, artwork, antiques, appliances, kitchen contents, clothes, carpets, drapes, computer equipment, television sets, CD players (and other audio or audiovisual equipment), musical instruments, clocks, mirrors, linens, lawn mowers, snow equipment, tools, sports equipment, any other item of value, and copies of important documents such as birth certificates, social security cards, appraisals of any specialty items.

Why do I need an inventory?

An inventory is especially important for insurance purposes. If you ever need to make an insurance claim for damaged, lost, or stolen property, your homeowners policy will require you to show the quantity, description, actual cash value (i.e., depreciated value), and amount of loss associated with each item. You’ll also be asked to provide copies of bills, receipts, appraisals, or other documentation to support your figures. If you leave out any items or fail to include an adequate description of others, you may receive less than full compensation for your losses. Relying solely on your memory during a dramatic event, can be an expensive mistake. As an exercise, try to name every item in your kitchen junk drawer, and then imagine having to do that for the entire house!

A good time to conduct an inventory is when you’re moving into a new apartment, condo, or other rental property. Another good way is when you are redecorating a room or your home. That way, if something is lost or damaged, you’ll be prepared if you every need to file a claim.

Conducting the home inventory

Going room by room is perhaps the best way to conduct your home inventory. Make a list of each item in the room, opening drawers, closets, and storage boxes. Be as descriptive as possible. For example, don’t simply note that a bed exists–describe the headboard, footboard, mattress, and bedding, writing down colors and dimensions. Don’t forget the attic, hall closets, basement, and outbuildings. If possible, try to include the following information for each item:

• Item description (and quantity)
• Manufacturer or brand name
• Model number or serial number
• Description of where (or how) the item was obtained
• Date of purchase or age of item
• Receipt or other proof of purchase, showing cost
• Current value
• Replacement cost
• Photocopies of any appraisals

A picture is worth a thousand words

It often helps to photograph or videotape your possessions, especially if the items are hard to adequately describe on paper or if you don’t have a receipt. If you use a camera, label each photo with information about the item shown. If you use a camcorder, provide a commentary about each item in view. Date-stamp your video or take a shot of the date on that day’s newspaper.

Safeguard and update your inventory

An inventory–whether it takes the form of a spreadsheet on your computer, saved in a software program, a series of photographs, or a videocassette–will do you no good if it’s lost in a fire or has otherwise vanished. Although you may want to have a copy of your inventory at home, you should also store a copy in a secure location, such as a safe-deposit box or your office at work. Include copies of your receipts and other supporting documentation. Finally, you should update your inventory at least annually to make sure that it accurately reflects your home’s contents. We find the best time is after Christmas.

Please note that this description/explanation is intended only as a guideline.