Keep Your Car’s Battery Running Its Best With These Tips

Posted on by TheSph3r3

Car Battery Maintenance

Just like any other battery, the battery in your car has a limited life. While it will last much longer than the batteries in your TV remote, it will not last forever. Taking the right steps to help keep it in the best shape possible can help to ensure that you do not have to buy a new battery every year. Keep these car battery maintenance tips in mind to help prolong the life of the battery.

  • Limit short car rides – a short car ride does not allow your battery to fully charge. To help maintain the battery’s charge, drive for longer periods and more frequently. If you have a vehicle that you do not use very often, invest in a car battery charger to keep your car charged while the car is sitting.
  • Keep it tight – make sure that your battery is tightly fastened, since a vibrating battery could lead to shorted circuits and internal damage. If you regularly drive on bumpy roads, check the battery terminal frequently to make sure that it is secure.
  • Turn off all lights – when you get out of your car, make sure to turn off all the lights. Many newer vehicles will automatically turn off lights that are left on. However, if you have an older model vehicle, double check all your lights before you walk away from your car.
  • Test your battery – every few months, test your battery. The output voltage level of your battery can be a sign of how well you are taking care of it.

For all of your auto insurance coverage needs to ensure that you and your car have the right amount of protection for any situation, contact the insurance experts at All Nevada Insurance in Las Vegas, Nevada.

Getting Ready for 4th of July

Posted on by TheSph3r3

Fourth of July in Vegas

The Fourth of July is just around the corner, which means that it is the perfect time to start planning for your 4th of July festivities. Las Vegas is one of the biggest vacation destinations for the holiday weekend, so there will be plenty of activities to choose from.

Even though the 4th falls on a Saturday, the festivities start on Wednesday, July 1st. If you have not already bought your tickets to some of the shows that are going on in the city, you may have already missed out. Luckily, many last minute tickets will go on sale as the holiday approaches, so keep your eye out.

There are some things that you should know about spending the holiday on the strip, including:

  • Although the 4th of July is a national holiday, everything on the strip will still be open, including casinos, shops, bars, buffets, restaurants, and attractions.
  • Since the 4th of July is in the middle of summer, the temperatures can easily reach over 100 degrees, so make sure to dress appropriately and stay hydrated.
  • There will be drinks at almost every restaurant and bar, so look forward to saving some money.
  • You will have to make dinner reservations. With the thousands of tourists who flock to the area, restaurants will be more crowded than usual, so make your reservation early.

The strip will be lit up with many different fireworks shows that will go off from different hotels. Make sure to figure out where the best viewing area will be next to you to ensure that you are able to fully enjoy the show.

All of us at All Nevada Insurance in Las Vegas, Nevada would like to wish you and your family a happy Fourth of July!

How are You Going to Celebrate Fresh Fruit and Vegetables Month?

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National Fresh Fruit and Vegetable Month

June is National Fresh Fruit and Vegetable Month, which is the perfect time to make sure that your plate is full of delicious fruits and veggies. Dietary Guidelines recommends that everyone should increase their vegetable and fruit intake since it provides many vitamins, fiber, and minerals that are essential to ensure that your body works and feels its best.

According to the UDSA, the amount of fresh fruits and veggies that you are supposed to have each day depends on your gender, age, and activity level. For a typical 2,000 calorie diet, you should be eating 2 cups of fruit and 2 to 3 cups of vegetables a day. The customized Daily Food Plan that is available on the MyPlate website through the USDA can give you a better idea of exactly how many fruits and veggies you should be eating each day.

Before you start loading up your plate with fresh fruits and veggies, make sure that you keep some basic food safety tips in mind, including:

  • Avoid damaged or bruised produce. Never keep your produce near raw poultry, meat, or seafood to avoid cross contamination.
  • All perishable produce, including mushrooms, herbs, and lettuce, as well as any peeled or cut produce should always be stored in the refrigerator at 40 degrees or below.
  • Before you prepare your fruits or vegetables, make sure to wash your hands for at least 20 seconds with warm water and soap.
  • Before you cut, eat, or cook with fresh produce, make sure to thoroughly wash each item under running water. Do not use soap to wash your fruits and veggies.
  • Wash dishes, cutting boards, counters, and utensils between when you prep produce and raw meat, seafood, or poultry.

All of us at All Nevada Insurance in Las Vegas, Nevada would like to encourage you to eat more fresh fruits and veggies this month!

How Will Your Furry Friend Affect Your Home Insurance?

Posted on by TheSph3r3

Dogs and Homeowners Insurance

Dogs are man’s best friend, but they can also lead to serious issues with your homeowners insurance if they bite someone, no matter if it is an accident or on purpose. Many homeowners insurance companies will seriously consider the type of dog that you have when deciding on your home insurance premiums. If your insurance company considers your dog to be a vicious breed, they could raise your insurance premiums or even deny you coverage.

Since pit bulls are considered one of the most dangerous and vicious breeds, many homeowners insurance companies will not provide coverage for any injuries that a pit bull causes. Even though many pit bulls that are kept as pets are great companions and are very docile, some people specifically breed pit bulls for more dangerous purposes. Some pet owners are also negligent with their supervision, which can lead to serious issues.

Although pit bulls are one of the most common types of breeds that home insurance companies do not like, there are also many more. German shepherds, Rottweilers, great Danes, and Doberman pinschers are also some breeds that many home insurance companies will exclude or raise rates. Some lesser known breeds, including wolf-hybrid dogs and presa canario breeds are considered dangerous. Any dog breeds that are known to bite other dogs or people are considered dangerous, which can have a serious effect on your homeowners insurance rates. Even with the proper training, your homeowners insurance company cannot be sure that they will not cause any injuries.

For all of your home insurance coverage needs, and to keep you and your furry friend safe, contact the insurance professionals at All Nevada insurance in Las Vegas, Nevada. We will work with you to make sure that you have the right amount of coverage, all at the right price.

Your Dad Will Love These Father’s Day Gift Ideas

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Father’s Day Gift Ideas

Father’s Day is just around the corner, which means it is time to get serious about your gift search. If you are having trouble deciding what to get dear old dad for his special day, keep these gift ideas in mind that your dad is sure to love.

  • Portable Briefcase BBQ Grill – much more fun than the briefcase that your dad lugs off to work, this BBQ briefcase allows him to grill up his favorite foods no matter where he is. It comes with a charcoal pit that fits perfectly inside to allow for easy storage and carrying.
  • Wondermade Bourbon Marshmallows – the combination of sweets and spirits is perfect for any dad who loves to relax with a glass of the good stuff. The candies are made with cane sugar and taste good on their own, or can be added into a delicious dessert for a tasty treat.
  • Drink rocks – the only thing that can ruin a perfectly good cocktail is melted ice. While you want to make sure dad’s drink is always cold, you also want to make sure that the last sip tastes as good as the first. These drink rocks can be frozen to ensure that your dad’s cocktail is always at the perfect temperature without getting watered down.
  • Hunting Camp Deep Exfoliating Soap – much more than any ordinary bar of soap, this soap is made from pumice, frankincense powder, sandalwood exfoliating powder, spikenard powder, and moisturizing natural oils to keep your dad’s skin looking young.
  • Make Your Own Whiskey Kit – if your dad cannot find a whiskey that he fully enjoys, give him this kit so he can make his own. The kit comes with White Dog un-aged whiskey, a pouring funnel, an aging barrel, and two tasting glasses.

All of us at All Nevada Insurance in Las Vegas, Nevada would like to wish all the dads out there a happy Father’s Day!

Don’t Get Stuck Underwater Without a Flood Insurance Policy

Posted on by TheSph3r3

Flood Insurance in Las Vegas

Monsoon season is right around the corner, which means it is time to make sure that you are prepared for torrential rains. As the rain pours down, it can easily cause flash flooding, which can lead to thousands of dollars’ worth of damage at your house. While your homeowners insurance will provide coverage for many perils, it will not provide any protection for damages caused during a flood.

The Spring Mountains and Mt. Charleston that surround the Las Vegas area make it very difficult for rain storms to pass easily, meaning the Las Vegas Valley can be drenched in a matter of minutes. Since the rain water cannot easily be soaked into the rocky terrain, it makes its way in to neighborhoods. When the rain continues for more than two hours, flash floods can occur, leading to serious damage. Investing in a specific flood insurance policy is the only way to ensure that you and your home are protected from any damage.

You have the option to choose from a stand-alone flood insurance policy or adding an endorsement to your existing home insurance policy. Keep in mind that a stand-alone policy will provide more coverage than an endorsement, so make sure to consider your risk level when deciding how much protection you need. You can also choose between coverage for just the structure of your home, or coverage for both the structure of your home and your contents that you keep in your house.

For all of your flood insurance coverage needs, contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada. As an independent insurance agency, we will work with you to ensure that you have the right amount of protection for your specific needs, all at the right price to fit your budget.

How a Personal Umbrella Insurance Policy Can Protect You

Posted on by TheSph3r3

Personal Umbrella Insurance Coverage

Liability coverage is provided by both your homeowners and auto insurance policies. While you may think that the liability coverage that you already have is enough to keep you protected from any peril, it probably is not. Lawsuits are becoming more and more common, which means that your liability limits can easily be exceeded. Investing in a personal umbrella insurance policy is the best way to ensure that you have the coverage that you deserve.

Once the liability limits that are provided by your auto and homeowners insurance are reached, the liability provided by your umbrella policy will kick in. If you invite people over for a backyard BBQ this summer, and one of your friends slips and breaks their arm, you can be held responsible for their medical bills. They may also sue you to cover any lost wages if they are not able to go into work, or for pain and suffering. If you are only relying on only your home insurance liability, you can be left paying for the damages out of your own pocket. If you do not have the financial means to cover the cost, your assets can be seized to cover the bills.

Typical umbrella insurance policies start at $1 million in coverage, and then increase in million dollar increments. All this coverage will come at a very low cost, only costing a few hundred dollars for coverage for the whole year. While $1 million in coverage may seem like way too much protection, it probably is not. With the high cost of medical bills and court fees during a lawsuit, the million dollars in coverage will provide the protection that you need.

For all of your umbrella insurance coverage needs and to ensure that you are properly protected, contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada.

Are You Properly Protected on the Road?

Posted on by TheSph3r3

Uninsured/Underinsured Motorist Coverage

Las Vegas is one of the most sought after vacation destinations in the world, which can make the roads very congested for Las Vegas natives. Accidents are very common, and most times, someone else is at fault for the crash. This leads to one of the other biggest issues in Las Vegas – people who drive without auto insurance. Over 25 percent of people on Las Vegas area roads are driving illegally, which is why investing in uninsured/underinsured motorist coverage is so important.

Uninsured/underinsured motorist coverage will provide protection if you are hit by another driver that does not have auto insurance, or does not have enough auto insurance coverage to cover the damages that are incurred during the accident. It will provide coverage up to the limit of your policy. It will also provide coverage after a hit and run accident if the other driver cannot be found.

Even if the other driver does have state mandated auto insurance, it may not be enough to cover the damages of the accident. In Nevada, you are legally required to carry at least $15,000 in bodily injury liability coverage for one person, or $30,000 for bodily injuries for more than one person in an accident. You also have to carry at least $10,000 in property damage liability. It is important to keep in mind that these are only the minimum required limits, and they can easily be exceeded from just one accident. Investing in uninsured/underinsured motorist coverage can help to ensure that you are not left financially devastated after just one incident.

For all of your auto insurance policy needs, contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada. We will work with you to ensure that you have the right amount of protection, all at the right price to fit your budget.

Good Job Paul!

Posted on by TheSph3r3

We are proud to announce that one of our agents, Paul Maxwell, received the Award of Excellence from Safeco Insurance company’s underwriting division for all of the Pacific Northwest Region.  Congratulations Paul on a fine job!

Boosting Business With Digital Data

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How The Tech Age Can Help You

In the modern age, you likely find that the business world moves faster than it ever has before. Fortunately, technology has advanced to help you move faster, too. If you have not been taking advantage of digital data, your business has been missing out on opportunities for increased success. Here are a few ways utilizing digital data can move you forward.

  • Risk Profiling: Gone are the days when businesses never knew what each new day would bring. Today, real-time data on geopolitical issues and weather can alert you to a potentially challenging situations in advance, giving you the opportunity to prepare your business.
  • Targeting: You have likely always had a demographic you are hoping to target, but the concept was vague. Today, because people leave digital footprints as they click through the internet, you can gather much more information about your potential customers, helping you better hone in on—and meet—their needs.
  • Predictive Analytics: You have always been able to generally predict how your business would likely fare financially based on past reports, but today’s digital data can help you get predictive analytics, better helping you pinpoint important moments in your company’s financial future.
  • Organization: Digital data makes it possible to keep more information more organized. This keeps the most important data at your fingertips, helping you make the most educated decisions. It also ensures that important data does not get lost in the shuffle and is easy to call up as needed.

Of course, the modern age also brings new security risks. Is your business protected against them by carrying cyber liability insurance? For all of your Nevada business insurance needs, contact All Nevada Insurance. We will tailor your coverage to protect your business’s unique exposures to risk, crafting the right policy to fully safeguard your company and your hard work.