Author: TheSph3r3

Ways to Save on Your Motorcycle Insurance

Posted on by TheSph3r3
Save on Your Motorcycle Insurance

Motorists, instead of cutting down on your coverage, cut your insurance costs.

If your motorbike isn’t your primary mode of transportation, you’re likely to keep it tucked away and only hop on it for a sunny afternoon ride. While you may enjoy the thrill of this, you may hate forking out your hard-earned savings each month to keep it protected. Fortunately, there are several (effective) ways that you can save on your insurance.

Enroll in a safety course.
A safety course certificate tells insurers that you’re dedicated to being safe, and that you took extra effort in becoming a responsible driver – earning yourself a discount on insurance!

Get custom coverage.
Make sure that your policy only reflects the way you use your bike. If you store your motorcycle in the garage or keep in hibernated all winter, let your insurer know. If you only drive your bike on a sunny weekend, your insurance could be much cheaper than for someone who rides their bike to work every day.

Raise your deductible.
The deductible is the amount that you pay out of pocket after an accident. Higher deductibles mean that the insurance company assumes less risk – but you pay more out of pocket when filing a claim. Consider this cost before raising your deductible.

Pay in full.
With many insurers, if you pay your premium in full, rather than monthly, you’ll receive a discount!

Know your risks.
Love your top-of-the-line bike? Others probably do, too. The risk of theft and vandalism increases with an expensive bike, as well as having costly repairs. In turn, an insurance policy increases!

Are you ready to secure the right motorcycle insurance for your needs? Contact the professionals at All Nevada Insurance to get started on your custom coverage in Las Vegas, Nevada!

Would you like to make a difference in the lives of others?

Posted on by TheSph3r3

Would you like to make a difference in the lives of others? Do you want a career that has meaning? Do you have an entrepreneurial spirit? Are you someone that wants to take control of your own destination with time and finances?  You may be looking to be a part of the All Nevada Insurance family.  Our franchise system is turnkey.  We coach you into being an insurance agent and business owner from the moment you decide you want to be a franchisee.  Find out more about who we are and what we are up to:  www.ANIfranchise.com.

Tips for Buying Business Insurance

Posted on by TheSph3r3
Buying Business Insurance

Shopping for your business’s insurance policy? Here’s what you need to consider first.

No two businesses are alike. Similarly, no two companies share the same risks and threats that can impact the stability, finances, and staff. Buying business insurance for your small company can be a frustrating process. Finding the right policy can feel like you’re looking for a needle in the haystack. In actuality, giving up and settling for a mediocre policy can do more damage to your business than it can good.

Before you select one with a low premium and minimum coverage, here’s what you need to know about buying business insurance.

Look past the premium.

Expenses are important to your business, and you will want to keep to a minimum. For small business owners with limited budgets, it can be tempting to make a decision based on the price. Keep in mind that you’re purchasing insurance to protect your business. Always look at a policy to ensure that it doesn’t leave out coverage you may want later on and that it has high enough limits to suit your company.

Evaluate the policy for gaps.

The defining details of each policy are inclusions (covered events) and exclusions (events that your insurance won’t account for). Pay attention to these items because they determine the terms of your coverage. For instance, when reviewing coverage for commercial auto insurance you’ll want to check that you have insurance for bodily injuries, property damage liability, collision coverage, uninsured motorist coverage, and personal injury protection.

Understand limits and deductibles.

Your policy limits are the stated amount that your insurance provider will pay for a specific event, instance, or claim. Your limits ultimately decide the extent of protection your business receives for liability lawsuits and other losses. While you check your limits, ensure that your deductibles are well within your business’s monthly budget.

Skip the search of finding the right business insurance in your area to suit your needs – contact All Nevada Insurance to find out how our protective policies can meet your business’ needs.

Have you ever had a dream to be your own boss?

Posted on by TheSph3r3

Have you ever had a dream to be your own boss?? Opportunity is knocking.  All Nevada Insurance is opening its doors to entrepreneurs looking to be a part of a system that works! We are an independent broker and have over 120 carriers that we can write business with.  That means, we retain our clients when their rates go up because we could shop them around with other carriers.  We insure homes, autos, toys, businesses, life and health.  Be part of a team that has the client’s best interest in mind.  We are growing and we want you to be a part of that growth! To learn more about us, please visit www.ANIfranchise.com.

How to Reduce Your Energy Bill This Summer

Posted on by TheSph3r3
Reduce Your Energy Bill This Summer

Keep your home running efficiently without breaking the bank.

Electricity prices are rising, and utility bills are getting ugly. This simple service is one that we take for granted daily. As the summer season is here, you can enjoy saving money on heating costs. However, with the warmer weather, the AC is a must. Instead of breaking the bank to keep your home cool, use these ways to lower your energy costs and balance your expenses.

  • Unplug!
    Even if your electronics are turned off, they’re still using energy – these are known as ‘energy vampires.’ Spooky, right? The real fright is seeing how much energy they ‘suck’ up, simply by being plugged in. To beat this cost, unplug your devices and appliances when not in use.
  • Splurge for solar panels
    One of the best ways to save electricity is to produce your own. With grants and payment plans available, you can put the sun’s energy to use!
  • Service your air conditioner
    Roughly half of an average home’s annual energy bill (gas and electricity) is spent on heating and cooling. Spend a bit of time annually to perform some basic air conditioner maintenance, such as cleaning and straightening the fins, changing the filter, and lubricating the motor.
  • Use your ceiling fans year round
    When the air blows down, it helps to cool the room and keep it comfortable, keeping your A.C. at a minimum. Turn the fan the other way in winter so that it pulls the cold air up to help keep you warm!
  • Use compact fluorescent light bulbs
    Make the switch to compact fluorescent light bulbs (CFL bulbs) that use up to 75 percent less energy. To keep your home cooler in the summer, turn off lights when they are not needed to reduce the heat given off.
  • Buy Energy Star appliances
    When you shop for appliances, look for the Energy Star label. It means that the appliance meets certain energy-efficiency guidelines – saving your energy and pocket! Not sure what to do with your old appliance? Recycle it.

From the insurance professionals at All Nevada Insurance, we hope that you enjoy cutting down your energy usage and your monthly bill! For more tips on how to save money and fully ensure your home’s protection, contact us to secure the right homeowners insurance for your needs in Las Vegas, Nevada.

Are you a motivated individual?

Posted on by TheSph3r3
Are You a Motivated Individual?

Are you someone that is motivated, loves creating an income that will offer you more time with your family or enjoys working with the community? You may be qualified to fit our franchise model with All Nevada Insurance.  You do not have to have insurance experience to become a broker with us.  You just have to be willing to learn and be aggressive with your marketing efforts to achieve the income you wish to create.  We will coach you to become a successful business owner.  Check us out: www.ANIfranchise.com.

How Much Money Can I Make From Franchising?

Posted on by TheSph3r3
Money Can I Make From Franchising

Should you take your financial leap of faith in the franchising industry?

Most people who look into franchising a company will undoubtedly ask, “Will I make money?” As with anything in business, and in life, there is no one answer. It’s well worth developing a detailed plan before committing to a franchise system and taking a look at the factors that affect how and when you make money. Buying and running a business involves a lot of hard work, and ownership isn’t much fun if you aren’t making any money. While it’s true that franchising is a more structured and transparent way to becoming an entrepreneur, it still can be complicated and confusing to navigate the process on your own.

Do Your Due Diligence

Before buying a franchise, it’s important to learn what your experience will be like as a business owner. Those who skip this crucial step often fail as business owners as they end up with a franchise that isn’t a good fit for them. If you’ve never run a business before, your natural instinct might be to focus on the bottom line. Unfortunately, it doesn’t work to ask about the profit and income when you’re researching a potential franchise.

Look Beyond the Bottom Line

As a business owner, your take-home pay at day’s end isn’t normally a good indicator of the business’ full financial benefit. Look over a franchisee’s profit and loss statement (P&L) to assess if the business appears to make very little profit. Many businesses expenses may make the company’s bottom line appear lower than what it actually is.

Figuring out your earning potential as a franchise owner is much more complicated than simply asking a salaried employee how much they make. Take your time to assess your needs, wants, and find the right fit for you. It’s a venture that should be enjoyed by handled carefully.

Are you ready to find the right franchise opportunity? Visit All Nevada Insurance today for more information!

Do you want to live the dream of being a business owner?

Posted on by TheSph3r3

All Nevada Insurance is growing and looking for people that want to live the dream of being a business owner.  We have given our franchise system a boost and we are excited to share it with you so you can share it with others.  We believe that a referral is the highest compliment that a company can receive, so we are willing to pay a $2000 referral bonus to you.  When your referral becomes a part of the All Nevada Insurance family as a franchisee, you get paid.  To learn more about our system, please visit www.ANIfranchise.com.

Should Your Spouse Get Life Insurance?

Posted on by TheSph3r3
Spouse Get Life Insurance

Do you and your spouse have enough life insurance as a family?

While talking about death is low on everyone’s list of things to do, when it comes to purchasing insurance, it’s a must. It may particularly be unpleasant if your spouse is talking about the aftermath of their death. However, because you have family members who are dependent on you and the income you provide, you probably need life insurance.

Who needs a policy?

When considering life insurance options, it’s simplest to think about what your family would need if you were to die unexpectedly. In many cases, this means that a vital income is lost. If one partner brings in the majority of the family’s insurance, life insurance should be able to replace the lost wages. If the surviving partner is a stay-at-home parent, the life insurance plan may be able to help with child care, transportation, and housekeeping expenses.

How much should I buy?

You can buy as much insurance as you want. However, it’s important to keep your family in mind so that they are adequately covered in the event of your death.

Many different considerations will determine how big a policy to buy:

  • How long it will take for the surviving partner to get to retirement or self-sufficiency
  • How long children may be dependent on the parents
  • The cost of college for the children
  • Household expenses
  • Debt

Bear in mind that even if your spouse has a life insurance policy through work, it may not be sufficient for your family’s needs. Review the coverage, and you may opt to purchase additional protection.

Making these decisions can be complicated. Work with a financial planner at All Nevada Insurance who can help you find the right policy for your family’s needs. We provide residents in Las Vegas and cities in Nevada with reliable insurance. Contact us today to get started on your tailored policy!

How to Conduct a Home Inventory

Posted on by TheSph3r3
Conduct a Home Inventory

Simplified steps for creating your home inventory!

You may think that you know exactly what is in your home. However, when it comes to the aftermath of a disaster, and you have to list which items you’ve lost, valuing your personal property from memory is harder than you think.

For this reason, home insurers ask homeowners to complete a thorough home inventory of all possessions. By having a physical list and photographic evidence of home contents, insurers can accurately match coverage to the value of items. In addition, filing a claim is made that much simpler! Here’s how to get started.

Put It On Paper
Write down a list of all of your belongings. The written description should include the date of purchase, original cost, and any improvements. Write down serial numbers for TVs, computers, and electronics, as well as keeping receipts along with the paperwork. As you sell or buy new belongings, ensure to add or remove the items from this list.

Shoot It
If you have a video camera, use it to establish additional documentation of your home and belongings for insurance purposes. Recording valuable items may be used as evidence in the case of theft, fire, or damage. As a rule of thumb, scan all rooms, shoot close-ups of all valuable items, and provide auto-commentary of details that may not be visually apparent. Store this tape in a locked file cabinet and upload it so that you have a digital copy.

Store It
Once you’ve captured all of your belongings on video and paper, you’ll want to store these files safely. If your home burns down, a home inventory will be of little use if it burns down with it. First, make a digital copy of both and email them to yourself. Secondly, keep the papers and video film in a fireproof box safely in the home or outside of the property.

Update It
Once you have established a complete inventory of your property, it should be easy to update it periodically.

Now that your home inventory is complete, contact All Nevada Insurance to secure the right homeowners insurance for your needs in Las Vegas, Nevada.