Father's Day is a special occasion celebrated worldwide to honor fathers and father figures for their contribution to society and the family unit. The history of this day is rich and varied, with roots tracing back to ancient times.

The modern celebration of Father's Day began in the early 20th century. The first known observance in the United States took place on June 19, 1910, in Spokane, Washington, when Sonora Smart Dodd, inspired by the Mother's Day celebration, wanted to create a day to recognize fathers, particularly her own, who raised six children as a single parent. 

In 1924, President Calvin Coolidge recommended that Father's Day be observed nationally, but it wasn't until 1966 that President Lyndon B. Johnson signed a proclamation making the third Sunday in June the official date. This timing was likely chosen as it falls near the end of the school year, allowing children to participate in celebrations and activities. In 1972, President Richard Nixon established Father’s Day as a permanent national holiday.

Today, Father's Day is celebrated in many countries, albeit on different dates. It serves as a reminder to appreciate and honor the unique roles that fathers play in our lives. Whether it’s through a simple phone call, a special gift, or a heartfelt message, Father’s Day continues to be a meaningful occasion throughout the world.
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​When hurricane season arrives, protecting your home and belongings becomes very important. For those of us in Texas and on the Gulf Coast, one key step is to make a home inventory. This list helps you keep track of your things and makes it easier to file insurance claims if something gets damaged. Follow these steps to create a home inventory before a hurricane.

1. **Gather Your Tools**

Before you start, get these tools ready:

- A notebook or a digital device (smartphone, tablet, or laptop)
- A camera or smartphone for photos
- A measuring tape for larger items
- A checklist or template to stay organized

2. **Go Room by Room**

Start with one room and go through your entire home. This way, you won’t miss anything. Here’s what to do in each space:

- **Living Room:** List furniture, electronics, artwork, and decorative items.
- **Kitchen:** Include appliances, cookware, dishes, and food supplies.
- **Bedrooms:** Note beds, dressers, clothing, and personal items.
- **Bathrooms:** Write down toiletries, linens, and valuable accessories.
- **Garage/Basement/Attic:** Don’t forget tools, seasonal items, and storage boxes.

3. **Document Your Items**

For each item, write down these details:

- **Description:** Name and description (e.g., brand, model, year)
- **Condition:** State of the item (new, good, worn)
- **Value:** Estimated price or how much you paid
- **Serial Numbers:** Note serial numbers for electronics or appliances

4. **Take Photos and Videos**

Use your smartphone to take clear photos of each room and item. You can also make a video showing your home and describing items. Make sure the lighting is good so everything is easy to see.

 5. **Store Your Inventory Safely**

Once you finish your inventory, save it in a safe place. If it’s digital, store it in the cloud so you can access it even if your home gets damaged. If it’s on paper, keep it in a waterproof container or take it with you if you evacuate.

6. **Review and Update Regularly**

Keep your home inventory up to date. Review it regularly, especially after buying or changing items in your home. This way, your records stay accurate and useful.

7. **Check Your Insurance Policy**

After documenting your items, look over your homeowner’s or renter’s insurance policy. Make sure you have enough coverage for your belongings, especially high-value items. If needed, talk to your insurance agent for help.

8. **Prepare for the Storm**

Once your inventory is ready, focus on other ways to prepare. Secure your property, gather supplies, and make an evacuation plan if necessary. Having your home inventory handy will help reduce stress if disaster strikes.

Creating a home inventory may feel like a lot of work, but it is an essential part of getting ready for hurricanes. A good record of your belongings will help you if something gets damaged. Take the time now to protect your things and feel more at ease during hurricane season. Stay safe!

​June 1 marks the first day of hurricane season. Everyone from Texas to New York should stay weather aware during hurricane season.

Take time now to prepare your home and household for any severe weather that comes your way. Remember, hurricanes are not just a coastal problem; they can also affect inland areas with rain, water, and high winds. Plan ahead and help prepare for a hurricane with this handy checklist.

✓ Create an emergency preparedness kit.

Depending on the severity of the storm, you may not have access to food, water or electricity for days. Have an emergency kit for your home ready to go that includes non-perishable foods, personal and financial records, a first aid kit, battery-powered electronics and more. Check out our emergency preparedness infographic for a full list of items to include in your kit.

✓ Make a plan.
Have a meeting with all the members of your household to discuss your emergency plan. Designate one room to best protect you from high winds —a small, windowless room that is safe from flooding. If your home is in an area that is likely to flood, or if you live in a mobile home, plan to evacuate and find accommodations in a designated community shelter or at a friend or family's home.

Sign up for FEMA's text messaging alert system and your community's emergency alerts to be aware of severe weather warnings in place and the location of nearby shelters if advised to evacuate. Know your evacuation route and practice it often.

✓ Prepare your home.

Can your home withstand hurricane-force winds? There are plenty of ways to help protect the exterior of your home during severe weather. Before a hurricane makes landfall, remove any outdoor patio furniture, clear debris from your drains and gutters, reinforce your garage doors and consider installing hurricane shutters.

✓ Create a personal property inventory.

Having a record of all your valuable belongings will help you out significantly if you have to file an insurance claim. Find out what you should include in your inventory and the best way to record it here.

✓ Check your homeowners insurance policy.

Most homeowners insurance policies will cover the damages sustained in a hurricane, but not the floods that can follow. Review your insurance policy and speak with your independent insurance agent about what limitations your policy may have in place and make adjustments accordingly. Contact your agent early as some coverage may have a waiting period, also known as a qualifying period, before it can start.

Do you have flood insurance? Find a Foremost insurance agent near you that can help as you choose the right policy to protect your home.
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PLEASE NOTE: OUR OFFICE IS CLOSED ON MONDAY, MAY 26, 2025, FOR THE MEMORIAL DAY HOLIDAY.

Memorial Day, observed on the last Monday of May, serves as a poignant reminder to honor and remember the brave men and women who made the ultimate sacrifice while serving in the United States Armed Forces. It’s a day steeped in respect and gratitude, where we reflect on the freedoms we enjoy thanks to their courage.

Originally known as Decoration Day, the holiday was established shortly after the Civil War as a way to commemorate the Union and Confederate soldiers who died in battle. Over the years, it has evolved to honor all fallen military members, regardless of the conflict.

Beyond the solemn remembrance at cemeteries and memorial sites, Memorial Day marks the unofficial start of summer in the U.S. Families and friends gather for barbecues, parades, and outings, all while taking a moment to remember the sacrifices made by so many. Many people visit veterans' graves, placing flags and flowers as a mark of respect.

As we enjoy the long weekend, let’s take time to reflect on the true meaning of Memorial Day. It’s not just a day off or a chance for sales and picnics; it’s an opportunity to honor the heroes who protected our rights and freedoms. This Memorial Day let’s express our gratitude and ensure their sacrifices are never forgotten.

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When you trailer your boat to a lake like Lake Livingston, Lake Rayburn, or Toledo Bend Reservoir, there's only one thing between you and the water — a boat ramp! I know you're eager to go, but be patient — you need to practice the art of boat launching first.

Some people make boat launching look easy. But it's a touchy, tricky business, especially for new boaters. If you've struggled in the past, don't give up in frustration. Practice makes progress! And with a little more experience, you'll soon be the Captain Jack Sparrow of the boat launch.

Here are eight tips for getting your boat back to its natural habitat!

1. Practice, practice, practice. With experience comes confidence. Instead of getting this experience at a crowded boat ramp with an overabundance of impatient, opinionated spectators, consider going to an empty parking lot—you can practice by backing the trailer into a parking space.
2. Nonverbal communication is key. Sometimes the sounds of engines, stereos and other noises drown out verbal directions from your co-captain. Avoid this frustration by agreeing on a few common hand signals for "stop," "left," "right," "start over" and "perfect."
3. Slow and steady's the way to go. Take a deep breath and disregard the pressure to move fast. This will only lead to mistakes. Take it slow—there isn't a time limit—and control the majority of vehicle movement with your brake pedal.
4. More brake, less gas. Backing down a ramp requires only a little gas. Instead, focus on using your brakes and checking your mirrors. For optimum maneuverability, make adjustments with your brake applied—hold the brake, turn the wheel to where you want it and then release.
5. Consider 8-4 instead of 10-2. Backing up with your hands in the traditional 10-2 position is OK, but many prefer switching to 8-4 instead. With hands at the bottom of the wheel, you push in the direction that the trailer moves, which can feel more natural.
6. Get used to different trailer sizes. Recognize that not all trailers and boats behave the same when being towed. Generally, a longer boat trailer is easier to back up and harder in forward turns; a shorter boat trailer is the opposite.
7. Try correcting a jackknife before restarting. While holding the brakes, turn your steering wheel all the way in the opposite direction of the jackknife. Then pull forward slowly—if effective, your tow vehicle and trailer will realign.
8. Don't forget the guide poles. Placing guide poles on your trailer will increase visibility, making it easier to maneuver. Try using them and see if they give you the confidence of a boat-launching pro!

Now that you've brushed up on boat launching, jump into another refresher with our blog about boat trailering.

Content provided by www.foremost.com

One of my favorite water sports in Texas in the summer is tubing. For someone who isn't athletically inclined, it's fairly easy and doesn't require much work. I simply make sure I'm secure on the tube, hold on tight, then feel the rush of adrenaline as I ride the waves! It's exciting and unpredictable because I never know if I'll stay on my tube or fall off into the water (I usually end up falling in), and it forces me to brush up on my swimming skills. It's even more fun if I'm with a partner and we're in competition to see who can hold on the longest!

Usually when I'm tubing, I'm never concerned about safety because I'm with experienced boaters and other people who have been tubing for quite some time. However, there's no such thing as being too safe.

If you're a first-time rider or just need a refresher, keep these safety tips in mind the next time you are getting ready to jump on a tube!

• Get familiar with your equipment. Make sure you know the size and weight your tubing equipment can carry. It is also important to know if the manufacturer has any recommendations for age limits, the number of riders, or safe towing speeds.
• Make sure the tow line is secure. Always double-check the tow line to confirm it is securely tightened before you take off. If you see any signs of wear and tear on the rope, it needs to be replaced. Don't risk it!
• Designate a spotter. Since the boat driver is focusing on the water ahead, choose another passenger who can watch the rider and communicate with the driver. The spotter will look out for accidents and let the driver know when someone falls off the tube. It is also a good idea for the spotter and rider to go over hand signals for speeding up, slowing down, and stopping.
• Consult the tube rider before you start. The driver and rider should have a chat beforehand so there aren't any surprises on the water. The rider should let the driver know what their limits are and how fast they are comfortable going. If there is more than one person riding, they should know how to position themselves on the tube so their weight is distributed evenly. This will help the ride go a lot smoother!
• Be cautious around wakes. The driver should always slow the boat down when crossing a wake. Driving through wakes at high speeds can be fun and bouncy, but it puts the rider at risk for serious injuries, especially if they are laying on their stomach.
• Wear proper safety gear. Regardless of the rider's age and swim level, they need to wear a life jacket. Make sure it's securely fastened so there's no chance it will slip off if they fall into the water.
• Know your surroundings. During the busy summer months, the water will most likely be packed with other boats. Before you begin tubing, the driver should find an area with open water you can claim for yourself. The entire experience will be a lot safer and more fun for all involved!

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Lastly, enjoy the thrills and have fun! Tubing is a great family activity because it can be appropriate for all ages, and just as fun as water skiing or wakeboarding. If you've never gone before, I hope your mind is at ease and you feel prepared for what's to come. Stay safe out there!

 Content provided by Foremost.com

*https://www.discoverboating.com/resources/water-tubing-tips-boat-safety-tips-for-water-sports-tubing

Different countries celebrate Mother's Day with unique traditions that highlight the importance of mothers. 

In Mexico, "Día de las Madres" is on May 10th, where families gather to sing, prepare special meals, and often hire mariachis to serenade their mothers.

In Thailand, Mother's Day coincides with Queen Sirikit's birthday on August 12th. People honor their mothers by wearing blue and giving jasmine flowers to symbolize love and respect.

Ethiopia celebrates Mother's Day as part of "We'Met," a multi-day festival filled with food, singing, and dancing to strengthen family ties.

In the UK, "Mothering Sunday" originated from attending church and has evolved into a day of gift-giving and family meals to honor mothers.

In Japan, Mother’s Day falls on the second Sunday in May, with red carnations given as symbols of purity and love, often accompanied by heartfelt letters from children. 

These traditions showcase the universal appreciation for mothers while reflecting each culture's unique values.

No matter where or how you celebrate Mother's Day, may it be a wonderful tradition for the whole family. Honor the memories of those gone, and celebrate the mothers that are still with us.

Every first Saturday in May, the world turns its eyes to Louisville, Kentucky, for the thrilling spectacle of the Kentucky Derby. Known as "The Most Exciting Two Minutes in Sports," this prestigious horse race has captivated audiences since its inception in 1875. The Kentucky Derby is not just about the race; it’s an entire experience steeped in tradition. 

The event kicks off with the "Run for the Roses," named for the iconic garland of roses awarded to the winning horse. Attendees are encouraged to don their best attire, and the elaborate hats worn by many women have become a timeless and delightful part of the Derby experience. 

Aside from the fashion and festivities, the Derby serves as a showcase for some of the finest thoroughbreds in horse racing. The road to the Derby includes a series of qualifying races, where horses vie for points to secure their spot in this elite event. Once the gates open, spectators and fans hold their breath as they watch these incredible athletes thunder down the track, each vying for glory. 

The atmosphere at Churchill Downs is electric, with live music, delicious food, and, of course, the chance to experience the thrill of betting on your favorite horse. Whether you’re a seasoned racing fan or a newcomer to the sport, the Kentucky Derby offers something for everyone. As the excitement wraps up each year, the Derby reminds us of the rich heritage of horse racing and the joys of community celebration. 

Whether you attend in person or watch from home, the Kentucky Derby continues to be a cherished tradition that unites fans in the heart of springtime. So, mark your calendars and get ready for a day filled with speed, style, and unforgettable moments!

As spring rolls in, many of us welcome the warmer temperatures and blooming flowers. However, this season also brings the potential for severe storms. To ensure safety and preparedness, it's essential to stay weather aware during spring storm season.

First, keep an eye on the weather forecasts. Utilize reliable sources, such as local news stations or weather apps, to receive updates on potential storm warnings. Understanding the different types of alerts—such as watches, warnings, and advisories—can equip you with the knowledge to act swiftly if conditions worsen.

Second, consider creating an emergency plan for your family. Identify safe locations in your home, such as a basement or an interior room away from windows, and plan how to reach them during a storm. Familiarize everyone in your household with the plan and conduct practice drills, particularly if you have children.

Also, be prepared with an emergency kit stocked with flashlights, batteries, non-perishable food, water, and a first-aid kit. Having these items ready can make a significant difference in the case of power outages or if you find yourself stuck indoors.

Last, stay connected. If severe weather threatens your area, don’t hesitate to reach out to friends, family, or neighbors, especially those who may need assistance. Sharing information and checking in on one another can help create a supportive community during challenging times.

By staying informed, preparing in advance, and looking out for each other, we can navigate the spring storm season safely. Remember, it’s always better to be safe than sorry!

In today’s fast-paced world, it’s too easy to let distractions invade our time behind the wheel. Distracted driving is a growing concern that poses a significant risk not only to the driver but also to passengers and others on the road. As technology becomes more embedded in our daily lives, understanding the dangers and consequences of distracted driving is more important than ever.

What is Distracted Driving?

Distracted driving refers to any activity that diverts attention from driving. This includes using your phone to text or call, eating and drinking, adjusting the radio, or even having a conversation with passengers. According to the National Highway Traffic Safety Administration (NHTSA), over 390,000 injuries occur each year due to accidents involving texting while driving.

Why It Matters

The consequences of distracted driving can be severe. In 2021 alone, nearly 3,500 lives were lost due to accidents caused by distractions. A moment of inattention can lead to devastating outcomes, affecting not just the distracted driver but also innocent people on the road.

Tips to Stay Focused

1. **Put Your Phone Away: ** If possible, silence your phone and store it out of reach. Use apps that block notifications while driving to minimize temptation.

2. **Plan Ahead: ** Before getting on the road, set your GPS, adjust your music, and ensure everything you need for your trip is within reach.

3. **Limit Passenger Distractions: ** Encourage passengers to keep conversations light and avoid engaging in activities that could distract you while driving.

4. **Stay Calm: ** If you 're feeling stressed or anxious, take a moment to breathe and focus on the road. Pull over safely if you need to regroup.

5. **Educate Others: ** Share knowledge about the dangers of distracted driving with friends and family. Raising awareness can help create a culture of safer driving practices.

Distracted driving is a preventable hazard that demands our attention. By staying focused behind the wheel, we can protect ourselves and others on the road. Let’s commit to safer driving habits and help reduce the alarming statistics around distracted driving. Remember, when you operate a motor vehicle, nothing should divert your attention from the road ahead. Safe travels!