Author: TheSph3r3

Do You Need Renter’s Insurance?

Posted on by TheSph3r3
Renters Insurance Las Vegas NV

Condo, apartment, house – renter’s insurance is there to protect your belongings.

When you rent a property, you, not your landlord, are responsible for your personal belongings if they’re stolen or damaged. Renters insurance can provide financial aid if your personal property is damaged in a named peril such as fire or theft, as well as providing liability insurance if someone is injured when visiting your home.

If you’re not convinced that you need renter’s insurance, here is a breakdown of renters’ insurance basics!

Coverage
Most insurance policies cover personal belongings, such as furniture, clothing, jewelry, electronics, and appliances, but only up to your policy limits. Be sure update your inventory list of all of the personal possessions along with their estimated value. Your policy should note what losses it covers, such as theft, fire, smoke, explosions and water damage from leaky pipes.

Additional Coverage
Standard policies may limit coverage for such valuable items as jewelry, furs, coin collections, musical instruments, and expensive sporting equipment.

Liability Protection
Renters insurance typically provides liability protection that pays for both the cost of defending you in court and court awards. Note that it will only financially aid you up to the limit that is set on your insurance policy. Therefore, make sure that your limit is not too low before purchasing the policy.

Additional Members
Spouses and immediate family members of the same household will automatically be included in the policy. However, a roommate has to be specifically named in the policy to be covered.

Save Costs!
Who doesn’t want to save money on renters’ insurance? You should consider insuring your car with the same carrier as this often leads to eligibility for a multi-policy discount.

Be sure to contact All Nevada Insurance for a renter’s insurance policy that best suits you and your apartment in Las Vegas, Nevada.

Kick Off the Football Season with Tailgating Safety Tips

Posted on by TheSph3r3
Tailgate Safety Tips

If you’re hosting or attending a tailgate party to kick off the football season, read on for safety tips!

The autumn season is upon us, which means one thing – football season! Tailgating is a great way to get together with friends and other fans before a game to show your team spirit. While tailgating can all be fun and games, there are some important safety tips not to forget. Whether you’re hosting or attending a party, read on!

Food

Nothing will ruin a day at the stadium like food poisoning. Be careful not to cross-contaminate raw and cooked meat, and always ensure that meats are cooked throughout before serving. Wash utensils, cutting boards, and your hands every time raw meat comes in contact with them.

Grilling

If you’re using your trusty barbeque to grill your vegetables, be sure that you have a fire extinguisher handy in case things get out of hand, and that you keep children and pets away from the grill at all times. After you’ve finished grilling your food, douse the hot coals with water and dispose of any hot ash safely.

Driving

Tailgaters are notorious for having too much to drink. If your tailgating party includes alcohol, always secure a designated driver (or a couple) before the party starts. Drinking and driving never mixes well, so stay clear of getting behind the wheel while intoxicated.

Sun

The sun may not be sizzling as it was during summer, but even so, spending hours outside requires certain precautions, namely sunscreen and plenty of water. Lather up in sunscreen before you head out and always have enough water on hand to keep sipping on to prevent dehydration.

You’ve put a lot of thought into game day. Don’t ruin a festive day by being unsafe! For the safety coverage that you need and deserve, contact All Nevada Insurance in Las Vegas, Nevada for all of your insurance services.

What to Do If You Put Wrong Fuel in Your Tank

Posted on by TheSph3r3
Wrong Fuel in Tank

Before you panic, here’s what to do when you put the wrong gas in your car.

It happens to the best of us. Perhaps you’re driving a car you’re not used to, or the pumps weren’t clearly marked at the petrol station, or you had a momentary lapse in concentration, putting the wrong fuel in your car is easy to do.

Once you’ve realized what you’ve done, whether at the pump or in a broken down car, here is exactly what to do before you begin to panic!

Don’t turn on your engine.

If you put diesel into a petrol car, the potential damage isn’t as severe, but it will still cause your engine to smoke a bit or run badly, so it’s best to get the diesel out as soon as possible. If your car normally runs on diesel, wrong petrol will act as a solvent, causing metal parts to grate against each other. Don’t turn on the engine if you can help it, and call a breakdown assistance service.

Calculate how much of the wrong fuel you’ve put in.

Although it’s usually best to drain all of the fuel from your tank when you use the wrong fuel pump, if you realize your mistake while you’re pumping, you may be able to get away with it. If the incorrect fuel takes up less than 10 percent of the tank capacity, you may be able to top up with the correct fuel and drive away. If you’re not sure, always get the entire tank drained.

Call for assistance.

This step is included in the above steps because it is so important! Calling your breakdown service to come and save the day is the best step to getting you back on the road as soon as possible. In addition, the reputable service means that you can prevent any further damage to your car.

Does your auto insurance in Las Vegas provide Roadside Assistance? Contact All Nevada Insurance, serving cities in Nevada, for the reliable car coverage that you need and deserve.

I’m Retired – Do I Need Life Insurance?

Posted on by TheSph3r3
Life Insurance After Retirement

Retirement offers a different lifestyle as well as financial focuses.

Life insurance is designed to protect your spouse and children from suffering financial stress in the case of your untimely death. However, once your children have become self-sufficient, and you and your spouse accumulate significant assets, there’s less of a need to keep paying for life insurance premiums. A commonly asked question is: do retirees need life insurance?

If you’re approaching retirement and the nest is empty, and the mortgage is close to being paid off, should life insurance be a part of your retirement planning?

Here are a few reasons why retirees need life insurance:

Pension replacement. If a significant part of your retirement income is furnished by your pension, you might need life insurance if your spouse or another dependent cannot receive your pension after your death.

Estate planning. Life insurance death benefit could be used to pay estate taxes instead of selling assets at an inopportune time.

Protect against stock market downtowns. A market crash could affect your investments negatively. Cash value life insurance could provide a backup plan if your portfolio value goes down so much that it reduced your income stream and impacted your lifestyle.

Cover unexpected expenses. A cash value policy could help you to pay for unexpected expenses either by withdrawing some of the cash value or by taking a loan against the policy.

Assets for your family. You could use your life insurance death benefits for an even distribution of financial aid for your loved ones.

Life insurance is there to give you peace of mind and to protect your loved ones once you pass. Are you ready to get started on securing the right life insurance policy for your retirement? Contact All Nevada Insurance for all of your Las Vegas, Nevada insurance services.

FAQs (And Answers!) About Health Insurance

Posted on by TheSph3r3
Health Insurance FAQs

Got questions about health insurance? We have the answers!

The Medicare Open Enrollment period is fast approaching us, and around this time every year, questions about health coverage flood. While many think that acquiring healthcare can be lengthy and downright confusing, we aim to take the stress out of the process for you. This way, you can have the peace of mind that you’re protected, as well as obtaining the right coverage for your needs.

What is health insurance?
Health insurance is a contract with an insurance company, which agrees to pay some or all of your medical bills based on your coverage. Most Americans have private health insurance, while others are covered under the public programs, such as Medicare and Medicaid.

Why do I need health insurance?
It’s no secret that health care is expensive today. However, so is treatment. A broken leg can run to $7,500 while a three-day hospital stay can set you back $30,000. Without insurance, one health setback could end up costing you more than you can afford. Regularly paying a set premium for health coverage assures that money will be available to help with the medical expenses.

How do I apply for Medicaid or CHIP?
You can apply in 2 ways: 1) fill out a Marketplace application. 2) apply directly to your state agency.

How do I renew or change my Marketplace coverage for 2016?
If you had a Marketplace insurance plan in 2016, you should’ve received two letters by email or mail (one from your insurance company, one from the Health Insurance Market). These notices should tell you if your plan is available for 2017, if it’s changing, and how much it will cost. If you don’t respond, you’ll automatically be re-enrolled in your 2016 plan for 2017.

Will I pay a penalty if I don’t have health coverage?
Typically, you’ll pay a penalty fee if you don’t have coverage for all or part of the year. For 2016, the fee is $695 per person or 2.5% of your household income, whichever is higher.

For quality health insurance in Las Vegas, Nevada, visit All Nevada Insurance as we provide each individual with the correct policy to suit their needs and budget. Contact us today to get started!

Do You Need Personal or Commercial Auto Insurance?

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Personal or Commercial Auto Insurance Las Vegas NV

How does personal and commercial auto insurance differ?

Buying car insurance can seem complicated, particularly when you’re not sure about the appropriate type of coverage for your needs. In general, you have two choices: personal and commercial auto coverage.

Personal Auto Coverage
These policies typically exclude any businesses uses. Personal auto coverage is designed for the needs of consumers, either as an individual or a family. If you’re in a car accident, this coverage can provide assistance with your vehicle repairs, other involved vehicles’ repairs, medical expenses, and liability charges.

Commercial Auto Coverage
Is driving a part of your business? If so, it’s important to prepare for a worst-case scenario when assessing your company’s ability to survive an unexpected event on the road. You can achieve the much-needed protection by obtaining a commercial auto insurance policy.

This coverage is designed for the needs of business that have several drivers and multiple cars. It works around the possibility that every employee within the company will drive the vehicles, so the liability protection is generally greater than the amount provided under a personal plan.

Additionally, commercial insurance can provide coverage for a number of drivers. Even if you only have ten employees that drive occasionally, you’ll still need commercial auto coverage!

Unless you’re starting a company and intend to use the vehicle for business purposes rather than personal needs, opt for personal coverage. When you’re buying commercial insurance, avoid making these common mistakes.

Are you ready to get started on the right plan for yourself or company? Contact the professionals at All Nevada Insurance, serving Las Vegas and surrounding cities of Nevada to select the right policy today.

Will Auto Insurance Cover My Car’s Modifications?

Posted on by TheSph3r3
Car Modifications Auto Insurance Las Vegas NV

From a custom paint job to adding a supercharger, modifications can complicate your car coverage. 

If you’re tempted to kit out your car with custom modification, you could face automobile insurance ramifications.

Modifying your vehicle can be a great way to personalize your vehicle, and even improve its performance. The downside to this, however, is that you run the risk of skyrocketing insurance rates!

Modifications a Standard Policy Won’t Cover
Vehicle modifications or customizations that are not made at the factory, as well as aftermarket parts, are typically excluded from standard policies. Always talk to your auto insurer before altering your car. If you were to make modifications to your vehicle, you would want to inform your insurance company if you want them adequately protected.

Risky Businesses
Auto insurance is based on risk, and car modifications increase the following risks:

  • Accident – Modifications that alter the look or performance of your vehicle are often considered risky to auto insurers. From engine changes, sports seats, to spoilers, all of these can increase your insurance premium as you’ve potentially added more risk.
  • Theft – Modifications such as phone kits, stereo systems, and performance updates also increase the chance that your car gets broken into or stolen.

Available Coverage
A standard policy may not cover your new vehicle, but there are a couple of options to get the right level of protection for your cool car:

  • Supplement coverage – Many insurers offer endorsements that provide supplement coverage for modifications and aftermarket components.
  • Collectible car insurance – If the insurer doesn’t offer this type of endorsement or the coverage limits are inadequate to protect your investment, you can seek coverage from a carrier that specializes in insuring classic automobiles.

If you have a modified vehicle or are thinking of adding a few cool updates to your car, call your insurer for coverage options! Skip the search of finding the best car insurance for you – contact the local professionals directly! Call the insurers at All Nevada Insurance to get started on your auto insurance policy today

Enjoy Lake Vegas with the Family This Summer!

Posted on by TheSph3r3
Family Fun Lake Day Ideas in Las Vegas NV

Get the whole family involved in some Lake Las Vegas fun!

Just seventeen miles from Las Vegas’s famed Strip, Lake Las Vegas is a manmade lake that families and couples alike can enjoy, summer after summer. When you’re not hitting the slots this season, take some time out with the family and go to Lake Las Vegas!

Here are some fun things for you to do at Lake Las Vegas!

Take a Scenic Walk
MonteLago Village is a lakeside village in the old-world Tuscan style, complete with cobblestone-paved streets and piazzas, eateries on the water, and brilliant shopping! With stunning architecture and a beautiful landscape, it’s an ideal place to take a stroll with the family. Be sure to drink plenty of water if you take a walk during the hottest part of the day!

Get Some Exercise
Take some time out from the kids to enjoy two full-service spas in Lake Las Vegas, where there are plenty of fitness classes as well as a top-notch workout facility. If workout out doesn’t sound quite right, enjoy a relaxing massage to end the fun-filled day!

Go Out on the Lake
What else better to do in Lake Las Vegas than enjoy the lake! You can rent watercraft, boats, and even yachts! Catch some rays while relaxing aboard a boat, take a quick dip, or get active by kayaking!

With plenty to do at Lake Las Vegas, the professionals at All Nevada Insurance hope that your family enjoys a fun summer! To thoroughly relax on your vacation, contact us for all of your insurance needs.

How Best to Protect Your Business!

Posted on by TheSph3r3
Protect Business with Insurance in Las Vegas NV

You’ve worked hard to grow your business, here’s how to protect it.

Today, business owners work harder than ever to create stealth tactics for selling, benefits for employees, and locks for the building. In a world of cyber criminals and physical thefts, there are plenty of ways in which each company should protect their investment.

So that your business is adequately protected, check out these tips!

Theft

  • Install cameras and put signs up for your guests to see, stating that they are being filmed. People will be less inclined to break in if they know that they’re being watched.
  • Light your business well, including into the night, so that people are easily spotted.
  • Minimize your losses – Never leave a significant amount of cash or valuable data in a building overnight.
  • Install burglar alarms and deadbolts – teaching your employees and the cleaning crew to use these.

Slips, Trips, Falls

  • If there are spills or leaks on the floor, clean them up right away before they become a hazard.
  • Tidy up cords and wires that may be trailing on the ground.
  • Never block hallways or paths.
  • Place doormats indoors for guests to wipe their feet when it’s been raining outside. 

Financial Strain

  • Buy insurance to protect your business from liability charges, perils, and financial hardship! Business insurance is there to protect your company from incidents and accidents that can hinder your operations, finances, and reputation.
  • Check out why your business needs cyber liability insurance.

Contact the professionals at All Nevada Insurance to get your Las Vegas, Nevada business set up with the right levels of business insurance coverage! Our professionals will match you with the proper coverage to meet your needs and budget.

Car Insurance vs. Car Warranty

Posted on by TheSph3r3
Car Insurance or Warranty Las Vegas NV

Find out the difference between a car insurance and car warranty.

For every motorist, it’s important to understand the different types of coverage for cars so that you’ll know what kind of protection you need. It’s better to be aware of the coverage that you need than be unpleasantly surprised later because you misunderstood what security you have!

Both car warranties and auto insurance pay for vehicle repairs, but it’s important to understand the distinction in order to avoid making a bad purchase!

A car insurance policy repairs your vehicle if it’s damaged in a collision or by some other covered peril, such as theft, fire, or a natural disaster. It also covers:

  • Liability coverage – May help to pay for someone else’s medical bills or damage to their property by an accident at which you were at fault.
  • Collision coverage – Repairs or replaces your car if it’s damaged in a crash with another vehicle or object, regardless of fault.
  • Comprehensive coverage – Repairs for damage to your vehicle caused by things other than a collision, such as fire, theft, vandalism, or falling objects.
  • Medical payments coverage – Covers medical expenses for you and your passengers in the event of an accident.
  • Uninsured motorist coverage – If a driver hits you with no or too little insurance, this coverage aids your car repair expenses.

A new car warranty is the vehicle manufacturer’s promise to help pay for replacement parts or covered repairs during your specified warranty period. This warranty comes with your vehicle, but the dealership may offer you an extended warranty so that your car is covered for more years to come. Depending on the policy, you may find that some items that commonly wear out, such as wiper blades, tires, and brake pads) aren’t covered.

Even with the most protective policy isn’t a license to stop taking care of your car. To fully protect your journey on the roads, contact All Nevada Insurance to learn more about how auto insurance can protect you in Las Vegas, Nevada.