Do You Need Wedding Insurance?

There’s no doubt about it — weddings can be expensive. Last year, couples spent an average of $35,329 nationally, with Arizona weddings costing just over $29,000, according to The Knot’s 2016 Real Weddings Study. With so much time and money invested, why wouldn’t you protect your special day in the event of a disastrous wedding mishap?

While you may not be able to prevent the unexpected, you can protect a portion of your investment by planning ahead and purchasing wedding insurance. Wedding insurance typically costs only a few hundred dollars, but it can save you tens of thousands if dust storm winds blow over the reception tent or a bankrupt vendor ruins your day.

The most common wedding cancellation claims include a vendor going out of business resulting in them being unable to fulfill their agreement, a member of the bridal party or a family member being too ill or injured to participate, and extreme weather. In 2017, Travelers received a record number of wedding insurance claims due to weather, about 22%. Because September and October are the most common times to get married in Arizona, it’s important to make sure you’re covered with wedding season right around the corner.

Typically, wedding insurance policies will reimburse you for deposits and charges you’ve paid to wedding vendors, as well as travel costs and other expenses incurred, if you need to cancel or postpone the wedding for a covered reason. However, coverage options, costs, and limitations vary widely. For example, some policies require the rehearsal dinner to be held no more than 48 hours prior to the wedding to be covered. Therefore, it’s important to give the team of agents at INW Insurance Group in Mesa, AZ, a call to discuss the right policy for you.

It’s also important to make sure wedding suppliers such as caterers and limousine services maintain their own liability insurance. In addition, any venue providing alcoholic beverages should carry liquor liability insurance — ask for a copy of their certificate of insurance before signing the contract. To play it safe, you may want to buy your own host liquor liability coverage to protect you from any potential lawsuits as well.

When considering liability, cancellation, or loss of deposits coverage, the most important thing is making sure you’re protected on your big day. The last thing any bride or groom to be needs is the added stress of lack of coverage. With competitive prices and the option of customizable plans, INW Insurance Group has your back every step of the way.

Considerations for Older Drivers

Everything changes with age, including us. This doesn’t necessarily have to be a bad thing, but it definitely needs to be something we are aware of. As you age your driving may change along with other things in your life. Here are a few considerations for older drivers.

EyeSight

If your eyesight has changed over the years, you need to consider how this might affect your driving practices. Do you have trouble seeing well at night? Night driving may be something you need to delegate to others. Another solution might be to talk to your eye doctor about how you can remedy issues you have with driving and seeing well at night. A tweak to your glasses prescription could be the solution. If eyesight problems have increased to the point you can no longer drive safely, then you may want to consider other, safer options.

Memory Issues

You might think that memory issues only affect how quickly you can find your wallet or the remote control, but memory issues while driving can be a real problem. If you have experienced memory lapses while driving that has caused you to get lost, or make unsafe driving choices, you should discuss these issues with your doctor. Cognition is crucial to safe driving, both for yourself and for other drivers on the road. Do not dismiss memory issues if it is affecting your driving.

Other Health Concerns

If you have developed other heal concerns which would affect your ability to safely drive, you should consider other options. There are lots of ways that individuals can maintain their independence even if they can no longer safely drive. Discuss some of the options with your family and doctor to help decide what your best and safest option might be.

If you’d like to learn more about safe driving contact one of our friendly representatives at INW Insurance Group serving Mesa, AZ.

Insurance Tips for Millennials

You keep your car filled up with gas, so you don’t get stranded on the side of the road and your phone charged so your loved ones can reach you. But what kind of safety measures do you have in place for more extreme scenarios?

What if you lost everything you owned in a fire at your house or apartment? What if your car was stolen? These situations are scary, but your insurance can help you through them, so long as you have the right coverage in place.

So, what is the right coverage for you? Give INW Insurance Group in Mesa, AZ, a call to find the best policy to fit your needs. Whether you’re starting out on your own or starting a family, these tips can help you begin to understand the level of insurance you may need.

Consider What You Own – And What It’s All Worth
Could you imagine having to replace all your personal belongings at once? What about having to do so from memory and all out of pocket? It would be both a difficult and a costly task. Make an inventory of your belongings and their value to help alleviate some of that pressure. Also, be sure you have enough insurance coverage, whether you rent or own a home. It’s known as “personal property coverage,” and you want enough of it to replace all your belongings in the event of a tragedy.

Take Your Lifestyle in to Account
Drive an expensive car? Repairs are likely costly, so be sure to carry full coverage. Own a home with a lot of custom features? Be sure your homeowners policy takes them into account. Your lifestyle choices can also help you save. For example, if you take public transportation to and from work even though you own a car, you may pay less for your insurance.

Talk to Your Independent Agent for Ease, Choice, and Advice
As an independent agency, INW Insurance Group offers a choice of carriers and options, plus personalized advice to help make sense of it all. We make it easy by doing the research and the work for you.

Remember, we’re here to help. Serving Arizona, Idaho, Washington, Oregon, and Colorado, give INW Insurance Group a call today with all your insurance questions and needs.