3 Steps to Organize Your Teenagers Closet

If you have to wear a hard hat and a face mask when you open your teenager’s closet, its time to organize. Kids, especially teens, are reluctant to throw anything away, so even old and unused items get tossed in the closet, which usually makes it difficult for them to even find what they need. The following 3 steps will help you get your teenager’s closet clean and organized.

Step #1-Remove Everything

The first step to organizing a teenager’s closet is to remove everything that is currently in the closet. This may be a tedious task, but it will help you sort through the closet contents easier. As you remove the items, put them into categories. For example, clothing in one pile, accessories in another pile and paper/memorabilia in another pile. If you find items in their closet that belongs to other family members,such as your old computer or high school yearbook, immediately take these items to a different room.

Step #2-Sorting

After everything has been removed from the closet, it’s time to start sorting through everything. Have three large containers available to put items in as you sort them. You will need one container for keeping items, one of donating items and one for trash. Starting at one of the piles you previously made, carefully go through each pile, putting items into their perspective container. The items that are being donated should be taken to the garage or other storage area until you are able to drop the items off. Take the trash out as soon as you are done sorting through everything.

Step #3-Organizing the Space

If necessary, install an additional rod below the original one for additional space to hang clothing. Label plastic containers to be used for items, such as hair accessories, belts, scarves and etc. Fill the plastic containers with only the items on the label. Hang clothing on plastic clothes hangers and sort them as you hang the items in the closet. For example, put all of the pants together and all of the shirts together. For even more organization, consider hanging certain types of clothing on a specific color of clothes hanger. For example, all of the shirts can go on blue clothes hangers, while the pants are placed on white clothes hangers. Stack the plastic containers on the closet shelf and arrange shoes on the closet floor.

Now that your teenagers closet is organized and looking spectacular, the only thing left is to encourage them to keep it that way. If you notice them not wearing certain items of clothing for a few weeks, ask if the item still fits, if not, immediately remove it from the closet and toss in the donate container. At least once each week, inspect the closet to make sure there is no trash or items piling up on the floor.

When it’s time to organize the closets, it is also a perfect time to organize your home or renters insurance. Contact Martin Insurance Team to make sure your current policy is up to date.

Spring Cleaning Tips for Spring and Summer Weather Safety

When you think of spring cleaning, you probably think of cleaning the inside of your home. Not only is it a good idea to spring clean the interior of your home, but spring is also the perfect time to make some repairs and clean up to the exterior of your home. Spring and summer can bring some pretty intense weather in the Midwest, so it is best to get your home and yard ready for the season.

Roof and Gutter Cleaning

During the spring you may still get some freezing temps. This cold/warm cycle can cause damage to your roof from water freezing and thawing. Most water damage to roofs occur in the spring because of this freezing and thawing cycle. You can help prevent this damage, and other damage to your roof, by making sure your gutters are clean. Clean gutters let the water drain and keeps it from accumulating under the shingles and causing damage.

Check to make sure all of your shingles are in good repair. Loose shingles can blow off in a storm and cause damage to the roof and surrounding structures. Check for any cracked or warped shingles. Cracked or warped shingle expose your roof to water and weather damage. Look for any leaks in the attic or ceilings for signs of a leak in your rook.

Yard and Shrubs

Remove any limbs or other debris that may have accumulated in your yard during the winter. Clean around your shrubs and trees to remove any loose limbs or debris which may blow around and cause damage in a heavy storm. Trim any limbs or branches which may rub against your roof or structures to help prevent costly damage.

These are just a few tips to get your home ready for the spring and summer weather. Call or contact the Martin Insurance Team and ask about homeowner insurance to be sure you have the right coverage for the upcoming spring and summer season.

 

 

Disaster Readiness For Your Home In Evergreen Park

Did you know that a disaster can happen at any moment? Are you prepared? There is always something that you can do to make it easier to deal with the catastrophe, whether it is an injury to the house, fire, or even an evacuation.

Have Lights

If the power goes out, you want to make sure to have lights so that everyone can see. The last thing you want is for injuries to occur simply because no one can see how to get safely from room to room. Use flashlights and battery-operated lanterns – and be sure you have plenty of extra batteries for them.

Avoid Fire

Fires can often be avoided by having carbon monoxide detectors and smoke alarms on every floor. You should also have a fire extinguisher in the kitchen as well as on every floor of your home as well. Be sure you know how to use the extinguisher if a fire does start.

Have Food

If you are unable to leave your home for several days, do you have enough food? You should have at least 3 to 5 days’ worth of food for everyone in your house – and it’s a good idea for some of it to be nonperishable and edible without heating.

Be Prepared

There are a few other things you can do to be prepared as well. This includes having:

  • A list of emergency contacts numbers
  • An emergency radio
  • First aid kit
  • Extra blankets
  • Escape ladder for the second/third floor
  • Secure locks on your doors

Call and talk to us at the Martin Insurance Team today where we can help you find an insurance policy that is going to protect you against disasters in Evergreen Park. We look forward to answering your questions and comparing policies for you.

 

Ways To Improve A Bathroom in a Rental

A rental home can be great for many reasons but in one area, you can suffer. Because you do not own the property, you simply cannot make any changes to it that are permanent. This seriously weakens your ability to customize the property and make it your own. However, there are many ways you can spruce up the bathroom in a rental to make it reflect you and make the place seem a bit more like a home. Follow these tips to get started and always ask your landlord before doing anything that may be permanent.

  1. For added storage and style, put a free-standing storage unit in your bathroom. This is a way to add storage in a stylish way. Unfortunately, this only works if you have the space needed in the bathroom already.
  2. Add an additional mirror to the bathroom. This will really open up the space to make it appear larger. If you do not have a lot of space to begin with, you may also want to consider just putting a mirror on the back of the bathroom door. 
  3. Decorate the bathroom. A lot can be done with a few items, especially in a small space such as a bathroom. You can put in a shower curtain that adds style and you can put in a rug or bath mat that covers up the unsightly floor. Use your imagination and be sure to decorate the bathroom in a way that reflects your personal style. 

No matter how you improve the bathroom, as a renter, you need to have rental insurance to make sure all of your belongings are covered. If you do not currently have coverage, call Martin Insurance Team serving Evergreen Park, IL, to explore your insurance options. 

The Importance of Working With an Independent Insurance Agency

Buying any type of insurance policy can be an overwhelming process. As a consumer, you must navigate the ins and outs of each policy and decide what terms make the most financial sense for your family. Although purchasing an insurance policy online sounds easy, you’re actually taking a huge risk. By not working with an independent insurance agency, you’re missing out on sound professional advice.

The most important benefit you’ll get from using an independent insurance agency is access to years of training in the field. Insurance agents have been educated on risk analysis and how each type of insurance policy protects the insurer against these potential risks. The independent agents will know what policies are available in your area and what kind of special or required coverage you may need based on your current situation and location. 

An independent agent will not sell you coverage you don’t want or need. In fact, the agent can tell you about what inclusions are unnecessary when purchasing your policy. An agent can also make you aware of any discounts you may be eligible for. You’ll save more money by having the agent collect quotes on policies and relaying the most competitive rates to you. You could also be given access to bundle rates that grant a price break when securing multiple policies from one carrier.

An independent insurance agency can also keep you safeguarded against irreparable insurance companies. The agents will be familiar with the reputation of each company and know whether there have been complaints about claims not being handled properly.

The Martin Insurance Team is a group of independent insurance agents who serve the Evergreen Park, Illinois area. Their agents will get to know your requirements in order to recommend the right policy to keep you and your family safeguarded in case of disaster.

Does Homeowner’s Insurance Cover Your Home Based Business?

It is important to protect your home as well as your home based business. This means choosing insurance that works best for the type of business you are operating. This will ensure that you have less to worry about – and that you have financial protection should you need it.

Various types of insurance may be required – and it can be advantageous to speak to an agent where you can discuss the coverage as well as the limits.

General liability can protect you against lawsuits in the event someone injures themselves on your property or there is a case of negligence. Business property coverage can help to protect against loss of computers and various business assets that you have within your home.

If you have any employees that work out of your home as well, you will want to explore employment practices liability coverage. This can help to protect you against the various allegations of sexual harassment, wrongful termination, and various other employee issues.

Every business is a little different and you need to be aware of this. You may need to explore business continuation coverage, data compromise coverage, and even equipment breakdown coverage. By choosing the various levels of coverage that are needed for your individual business, you can protect it significantly more than relying solely on your homeowner’s insurance policy.

The gaps found within your homeowner’s policy needs to be dealt with. Not everyone has a home based business and therefore the insurance is bound to be different.

Contact us today to learn more about homeowner’s insurance and the insurance coverage that you need for your home-based business in Illinois. At Martin Insurance Team, our insurance agents are prepared to help you find a policy that makes sense – and contact multiple insurance companies on your behalf to help with the comparison process.

 

Power Out? You Can Do These Things

If the power goes out in your home in Evergreen Park, there are actually quite a few things you can do. The more you know and the more you prepare, the easier it will be to go about your daily routine, even without any kind of power.

There’s a lot you can do, and much of it is about preparing.

  1. Freeze water bottles so you can keep the freezer and fridge food colder for longer.
  2. Stock up on batteries so you can replace them as needed within fans, flashlights, and even electronics.
  3. Buy food that doesn’t need to be heated or refrigerated.
  4. Invest in an emergency radio so you can obtain emergency information as it is released.
  5. Have a few alternatives for heat, such as a fireplace, gas grill, or solar oven.
  6. Bottle jugs of water so you have them available.

When the power goes out, keep everyone calm. It doesn’t do anyone any good to freak out about the fact that there are no lights. Issue flashlights everyone in your family and gather everyone for a meeting.

You should have at least one week’s worth of food in your pantry so that you don’t have to worry about sustenance. If the electric company has not issued a timeframe in which your power will be resumed, you will want to ration the food to make sure it lasts as long as possible.

Bring out some board games, decks of cards, and even puzzles to keep everyone entertained. This will prevent restlessness and help to pass the time until the power comes back on.

Call and speak to one of our agents on the Martin Insurance Team today. We look forward to helping you find affordable home insurance and quotes from insurance companies throughout Illinois.

 

 

3 Reasons to Have Seperate Renters Insurance Policies

Having a roommate is a great way to save on expenses. Purchasing renters insurance is important in case of an incident. So, how do you determine whether or not to add your roommate to your existing policy or for each of you to have a separate one?

While most carriers allow up to two unrelated adults to share a policy, it is usually wise to each have your own. Here are three reasons to get separate renters insurance policies when you have a roommate.

Reason #1: Individual Coverage

One reason having separate renters insurance policies is important is that it provides individual coverage. This means that your policy only covers your personal property—not your roommate’s. So, if most of the items in your apartment belong to your roommate, then you aren’t having to pay extra for a higher coverage limit. Likewise, if you have more items than your roommate, you can ensure you have the appropriate level of coverage without having to worry about their stuff, too.

Reason #2: Separate Liability

Liability coverage is one major reason why tenants opt to purchase renters insurance. In the case of situations where a policyholder has a roommate, this is another area where having separate policies is important. If your roommate does something away from the house that is considered a serious liability claim, you are not responsible if you’ve taken the time to each have your own policies. If you are on a shared policy, then you would be considered liable.

Reason #3: It Keeps You from Being Connected

Another reason to consider having a separate renters insurance policy than your roommate is that it keeps you from being connected. This means that if one of you ever moves out or you are no longer on good terms, your insurance coverage (and any resulting claim checks) is not tied together.

Learn more about renters insurance and how having a policy can protect you. Contact us at the Martin Insurance Team LTD today for a no-obligation quote.

Winter Activities For Kids To Do Indoors

When you live in Evergreen Park, Illinois, it’s important to have some winter activities planned for the kids to do indoors when the weather is just too cold to go outside. The kids may be home for several weeks, so the more you have planned, the easier it will be to keep everyone happy.

Arts & Crafts

It’s always a good idea to have some arts and crafts supplies around. Regardless of age, kids want to express their creativity and having kits and paper, markers, and other things around can make it easier. To give kids an idea on what they can make, you can choose a category, such as:

  • Holiday gifts
  • Decorations
  • Ornaments
  • Necklaces

It doesn’t matter what it is – but it’s a great way for them to use their mind to create something unique.

Have a Party

You’re probably not the only parent around who is trying to think of ways to keep the kids occupied. Throw a party and invite a bunch of your kids’ friends. The theme of the party can be dance, pajamas, s’mores, or anything else that you can think of.

Create a Story

Tis the season for reading a lot of different holiday books. Instead of reading the same ones over and over again, let your kids write their own. It can be about a specific holiday or about winter in general. Then have them illustrate the whole story and share it with you one evening before bed. It may become your favorite tradition during winter break.

Get creative and do things that your kids love to do. Have plenty of supplies on hand so they can jump from one activity to the next without growing bored.

Call the Martin Insurance Team today to learn about homeowner’s insurance. We can talk to you about coverage, quotes, and more.

 

 

As a Tenant in Palos Heights, IL, You Need Renters Insurance

If you rent an apartment in Palos Heights, IL, you should have renters insurance. Everyone who rents should have this type of insurance. Here’s why, along with how Martin Insurance Team can help you find a policy.

Renters Insurance Protects Tenants

As a tenant, you shouldn’t rely on your landlord’s insurance to protect you. Your landlord’s insurance policy covers your landlord; it doesn’t include coverage for you. Your landlord’s insurance might insure the building you live in, but it won’t insure your belongings or provide you with liability coverage.

Renters insurance is designed to protect you, insuring the things that your landlord’s insurance doesn’t. For instance, a renters insurance policy might afford you the following protections (depending on the terms):

  • personal property coverage
  • medical payments coverage
  • personal liability coverage
  • damage to others’ property coverage

A renters insurance policy that has these protections will protect you from a host of risks, which may include fire, vandalism, theft and other perils.

Renters Insurance Is Inexpensive

Renters insurance policies are generally inexpensive and at Martin Insurance Team we can help you find the lowest-priced policies available in Palos Heights, IL. We have a team of independent insurance agents who are licensed in Illinois and serve Palos Heights. As licensed, independent agents, we can compare policies from every insurer in Illinois and show you how much each company prices their policies at. You’ll be able to choose the lowest-priced quote that we can find.

Shopping for renters insurance only takes a few moments once our agents begin comparing quotes. To get started, contact our agents through our website. They’ll quickly get started helping you find an affordable renters insurance policy.