14 The QUEE NS Courier • bridal • SEPTEMBER 18, 2014 for breaking news visit www.queenscourier.com bridal Before the ‘I do’s’ remember these important insurance to do’s Congratulations, you’re engaged. Once the excitement s of sharing the news with your loved ones and Facebook friends dies down, there are several important issues to consider. This includes building your guest list, setting a budget, picking a venue, DJ versus band and other to do’s. However, there are also some vital details pertaining to insurance that many prospective newlyweds overlook. True, it’s not the most exciting topic, but it is, nonetheless, something that should be considered before marriage. Before you tie the knot, make sure you consider these options: • Get your engagement ring appraised and insured. It’s a good idea to be protected against the unthinkable circumstance of losing your ring. “Most renters or homeowners insurance policies offer riders for special or expensive items like engagement rings, costing on average $1 to $2 for every $100 to replace the ring,” says Doug Menges, chief claims officer for Mercury Insurance Group. “Show your insurance agent a receipt for the ring, as well as an appraisal, to assure you get sufficient coverage.” • Compare your existing auto insurance providers. Keep in mind marriage can impact how much you pay for your premium. Be sure to talk about accidents, outstanding tickets, coverage lapses and similar issues while you’re deciding if a joint policy is right for you. If you opt to combine policies, consider what’s most important to you when choosing a provider. Is it the cost of your policy or having a local agent with whom to build a relationship? What about insurance bundling options and the discount types offered? Regardless of what you decide, however, it’s a good idea to shop around to see if you are getting the most for your money. • Create and merge itemized household inventories. An important insurance lesson is to keep a detailed record of everything you own. Mashable lists several apps that will assist with the inventory process. This inventory keeps track of the belongings you’ve accumulated over the years and helps your homeowners or renters insurance provider determine the proper amount of coverage you’ll need if you fall victim to a burglary, fire, natural disaster or other loss requiring a claim to be filed. When you move in together, be sure to combine your respective inventories into one master list, and remember to add all of the gifts you receive at your engagement party, bridal shower and the wedding. • Relax. Don’t get lost in the planning process because the most important detail is the person who’ll be standing next to you. Take a deep breath, relax and remember to enjoy every second on your journey to a shared future. Courtesy BPT Creating Delicious Memories One Cake At A Time! Celebrate in style with a beautifully designed cake from DeniseMakesCakes. We offer formal and whimsical designs, all baked with the finest ingredients to ensure that your cake tastes as good as it looks. We are conveniently located in Queens and serve the NYC metropolitan area. In addition to cakes, we also make custom cupcakes,cookies, cake pops, chocolate party favors, and more! 917-689-4857 • www.denisemakescakes.com I want to thank you SO MUCH for the wedding cake. It looked outstanding, absolutely outstanding. It was exactly how I wanted it to look, every single detail: the fondant was perfection, the thin orange layers at the bottom of each level, the damask, the quilting (I think it is the best you have done yet...seriously) and the flowers!!! The cake tasted great, got many, many compliments on it. Thank you very, very much! Diana, New York, NY Denise Makes Cakes opened in 2011 and has been creating delicious memories one cake at a time ever since. Delivery is available to the NYC/Tri-state area. Denise Makes Cakes offers at home tastings to make the cake selection process as convenient and stress free as possible! Denise Makes Cakes will not only make your beautiful wedding cake, they will also make your favors. Chocolates, cake pops, cookies, and cupcakes can be made to match any wedding theme. Call 917-689-4857 or email denisemakescakes@gmail.com for a consultation today. 917-689-4857 www.denisemakescakes.com
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