Do My Roommates Need Renters Insurance If I Already Have a Policy?

Sharing Renters Insurance Las Vegas NV

In a shared apartment, an insurance policy may not protect all of you.

Roommates are often the siblings we never asked for! While there are some roommates that share everything and are great friends, there are others who keep to themselves. Despite this, most roommates are similar when it comes to renter’s insurance. They think that if one of you holds a renter’s insurance policy, the coverage extends to the entire apartment and all of its contents.

That said, this is a costly misconception. Many renters are distraught to find that the policy only covers the people listed on the policy documents. Therefore, unless both roommates are listed on the insurance policy (or hold two separate policies), you’ll be left vulnerable to financial strain and loss of belongings, should a disaster strike.

For the basics on sharing a renter’s policy, read on:

  • A roommate does not have to be on the lease to be added to the policy!
  • A roommate must be added to the policy to receive coverage – or they must be a domestic partner, spouse, or member of your family.
  • Only two unrelated people can be on a single policy. Therefore, any additional roommates will need to buy a separate policy!
  • There’s no extra charge to add a roommate. It won’t change your premium, either. However, the price will increase if you add more valuables to the coverage. That’s okay, though, because you’ll likely be splitting the cost!
  • Theft by a roommate is not covered by insurance, whether they are on the policy or not.
  • If you ever file a claim, the check will be made out to both roommates (so be on good terms with him/her!).

Get started on your quality renters insurance policy by contacting All Nevada Insurance, serving Las Vegas and the surrounding areas of Nevada with complete coverage!

Safe Travels with RV Insurance

Safe Travels with RV Insurance Las Vegas NV

Your recreational vehicle and belongings inside are valuable to you – protect them while on the road!

The quickest way to ruin a family vacation is for your recreational vehicle (RV) or the contents to get stolen. Not only does this leave you vulnerable and stranded, but it grinds your trip to a halt until the issue is resolved.

Here are some important basics that you should know to protect your belongings from theft:

  • Know your coverage: Contact your insurance agent to review your policy before you set off. Keep in mind that comprehensive coverage, collision damage, liability coverage, property damage, and campsite liability are all smart options!
  • List your belongings: Record your belongings with photos of each valuable item, and serial numbers of TVs and microwaves.
  • Calculate the value: Tally up the money that you paid for each item to know how much your items are worth. You’ll then have a better understanding of how much insurance coverage you’ll need.
  • Park safe: Be sure to research the campground where you intend staying. Evaluate the campground’s security by asking if it has gates, cameras, and 24-hour security. If the campsite is more secluded, be sure to park in a well-lit, visible area.

In addition, secure your RV with collision coverage to keep it on the road should you face an accident and liability protection, should someone be injured on your property and file a lawsuit. Protecting your vehicle and possessions is key to preventing financial strain during your travels!

Depending on the number of your valuables and the location of your vacation, you may want to take out additional coverage. At All Nevada Insurance, located in Las Vegas, Nevada, we provide all types of RV insurance so that you can travel with financial protection and peace of mind! Contact us today to get started.

Popped the Question Over Valentine’s Day? Insure Your Rock & Ring!

Engagement Ring Insurance Las Vegas NV

Find out if you should protect your shiny, new addition!

Congratulations! Many couples choose to get engaged on the most romantic day of the year (ahem, Valentine’s Day) and celebrate their love and commitment for each other. It’s known that engagement ring sales hike up during the most wonderful time of the year. If you, or your loved one, now sports a prized ring on that certain finger from the Christmas or Valentine’s proposal, you’ll want to ensure that the rock is protected!

This year, say ‘I Do’ to engagement ring insurance! When purchasing the ring and budgeting for the big day, many brides and grooms-to-be overlook wedding and engagement ring insurance. Of course, that’s easy to do when planning for the big day! You have the dress, suits, flowers, venue, ceremony, favors, DJ, photographer and more to think about… What were we talking about? Right! Should you lose, misplace, damage, or have your precious ring stolen, valuable insurance can cover these repair and replacement costs!

For most young couples, engagement rings are among the most valuable items they own. Insurance can protect you from facing huge expenses (and an awkward conversation with your fiancé!) should your ring get damaged or lost.

I Do Take Thee Insurance
Dig for that receipt for the ring to tell your insurer the value of your precious piece which, in turn, allows for sufficient coverage to be applied.

If you’ve had your engagement or wedding ring for a while now, get it appraised! Don’t go on what you or your fiancé purchased it for! Precious metals and precious stones increase in value over time.

Runaway Insurance
Ring insurance can be purchased as an extension (or a “rider”) for your renters or homeowners insurance policy. However, these policies will only cover up to a certain limit. If your ring exceeds this limit, additional insurance will have to be purchased. This can then cover your ring if it’s lost, damaged, or stolen. For an extra couple of bucks a month, increasing your personal items coverage is worth its weight in gold!

Get started with your quality insurance to protect your new addition! Contact All Nevada Insurance for all of your Las Vegas, Nevada insurance needs!

Meatless Monday: Zucchini Lasagna Recipe!

Meatless Monday Recipe

This veggie lasagna dish steals the spotlight!

Meatless Monday is an international movement, encouraging people everywhere to cut out meat for at least one day a week for personal and planetary health! Not only does it benefit the environment, animals, and our health, but it allows us to truly get creative and enjoy different vegetables, pastas, proteins, and more!

If you’re looking for a better Meatless Monday dinner than tomato soup and salad, try this zucchini lasagna!

Gather up:

  • 6 lasagna noodles
  • 1 medium onion, chopped
  • 2 teaspoons olive oil
  • 2 garlic cloves, minced
  • 2 cups water
  • 2 cans (6 ounces each) tomato paste
  • 2-1/2 teaspoons each dried thyme, basil, and oregano
  • 3/4 teaspoon salt
  • 3 medium zucchini, thinly sliced
  • 1 egg, lightly beaten
  • 1 carton (15 ounces) part-skim ricotta cheese
  • 2 cups (8 ounces) shredded part-skim mozzarella cheese
  • 1/4 cup grated Parmesan cheese


  1. Cook noodles according to package directions. Meanwhile, in a large nonstick skillet, saute onion in oil until tender. Add garlic; cook 1 minute longer. Stir in the water, tomato paste, and seasonings. Bring to a boil. Reduce heat; cover and simmer for 10 minutes.
  2. Place zucchini in a large saucepan; add 1/2 in. water. Bring to a boil. Reduce heat; cover and cook for 5 minutes. Drain and set aside. In a small bowl, combine egg and ricotta cheese.
  3. Drain noodles. Place 1/2 cup tomato sauce in a 13-in. x 9-in. baking dish coated with cooking spray; top with three noodles. Layer with half of the ricotta mixture and zucchini. Top with half of the remaining tomato sauce and 1 cup mozzarella cheese. Repeat layers.
  4. Cover and bake at 375° for 25 minutes. Uncover; sprinkle with Parmesan cheese. Bake 5-10 minutes longer or until bubbly. Let stand for 10 minutes before cutting.

Do note that this freezes well, so go ahead and save some for your next Meatless Monday!

From All Nevada Insurance, we hope that you enjoyed this recipe! Be sure to contact us for all of your insurance coverage in Las Vegas, Nevada!

Need Las Vegas, NV Valentine’s Day Date Ideas?

Valentine's Day Las Vegas NV

How are you spending the most romantic day of the year?

Over 5 percent of all marriages in the United States take place in Las Vegas, NV, making us the No. 1 location in the nation to get hitched. There are more than 50 wedding chapels to for you to tie the knot, and it’s safe to say that marriage is in our veins!

You don’t have to take vows to enjoy the romance of Vegas, fortunately! With gourmet dining and sexy shoes, Vegas is the perfect spot for lovers and honeymooners.

Take a peek at what Las Vegas can offer you this February 14th:

  • Marriage – Complete with Elvis! Get married in your own style, whether it’s classic, retro, or walking down the aisle to the Star Wars soundtrack – Vegas does it all!
  • Propose – Romantic locations are located right in the heart of Las Vegas (Paris, anyone?) and offer many ideas for you to get creative! From the Eiffel Tower to the Bellagio Fountains to the rollercoaster, there’s a spot for everyone.
  • Food – There are so many amazing restaurants, you’ll be hard-pressed to decide just one! Try CRUSH at MGM Grand, NOVE Italiano at the Palms, Gordon Ramsay’s Steak, Alizé, Andre’s, DB Brasserie…our list could go on!
  • Shows – From acrobats to zombies, Vegas’ shows are sexy. There is something for everyone with a range of shows including ‘Fantasy’, ‘X Burlesque’, ‘Crazy Girls’, ‘Chippendales’, and ‘Thunder From Down Under’.
  • Suites – Vegas hotel rooms provide everything you need to celebrate your love or lust!

Whether you’re hitting the strip or relaxing back in your suite’s jacuzzi, be sure to enjoy all that Las Vegas has to offer without worry! Beforehand, allow our insurance professionals at All Nevada Insurance to secure your insurance policies within the Las Vegas, Nevada area.  Contact us to get started on your tailored coverage!

Better Your Heart During National Heart Month!

Heart Month

The month of February is American Heart Awareness Month – Improve your heart health today!

It is known that heart disease is the leading cause of death for men and women in the United States. Every year, 1 in 4 deaths is caused by this condition. The good news is that heart disease can often be prevented when people make healthy choices and manage their health conditions.

Communities, health professionals, and families can work together to create opportunities for people to make healthier choices and better their lifestyles.

Time To Improve Your Health
Nationally, this month is dedicated to raising awareness about heart disease and the ways in which people can prevent it, both at home and in the community. Families, teachers, and doctors are all encouraged to promote better health choices to influence heart health, and here are just a few:

Eat your way to better health:

  • Choose foods low in saturated fat, trans fat, and sodium. Use seasonings instead of salt.
  • Reduce your consumption of red meat.
  • Eat plenty of fruits and vegetables, nuts and seeds.
  • Go vegetarian or cut back on meat a few times a week.
  • Cut out all sugary beverages.

Get active!

  • Exercise at least half an hour each day
  • Squeeze in cardio-intense workouts (jogging, running) and muscle-strengthening activities!

During this month, take the initiative to improve your health and heart while spreading awareness to those around you! In addition, secure your life insurance to protect yourself and your loved ones when you’re no longer able to do so.

Contact All Nevada Insurance in Las Vegas, Nevada for all of your insurance needs!