Should I Choose An Independent Insurance Agent?

Posted on by TheSph3r3

Determining The Best Person To Meet Your Needs

Whether you are just trying to get the legally required amount of auto insurance or are looking for homeowners insurance to cover every facet of your home, determining the right insurance policy can be a bit confusing. You do not want to be left with a gap in coverage, but you also do not want to pay for coverage you do not need. Fortunately, an insurance expert can help you find the right level of coverage for the right price. Here are a few ways an independent insurance agent can serve you.

  • More Options: When you go straight to a major insurance provider to get coverage, you only see the policies they offer. When you shop comparison sites online, however, you get less information about the offered policies. An independent agent can see every policy available from every provider, and will show you those that will meet your specific needs.
  • Better Prices: Similarly, because an independent agent can see all the available policies, he or she is able to shop quotes and show you which policies will maximize your savings. Also, because the agent has industry experience he or she will be able to point out every discount available to you.
  • An Ally: Your independent agent is there to help you understand your coverage and tackle any issues as they arise. Do not be left confused when filing a claim or paying for something you thought your insurance would cover. An independent insurance agent will serve as your advocate and ally.

To work with a dedicated team of independent insurance agents, contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada. We are committed to getting you the best policy at the best price. Do not be left navigating the world of insurance coverage blindly; call us today for the expert guidance you deserve!

Beat Bike Thieves With These Tips

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Use These Guidelines To Protect Your Motorcycle

Some of the beauties of owning a motorcycle are its lightweight build making it possible to zip around traffic, compact size making it easy to store, and open design enabling you to feel the fresh air around you. Unfortunately, all of those factors also make it easier for thieves to nab your bike. To protect your motorcycle, use these theft prevention tips:

  • Know Your Risk: Only half as many stolen motorcycles are returned to their owners as stolen cars, so it is important to know when a thief is most likely to try to make off with your bike. Summer months (July through September) are statistically the most popular time for motorcycle thieves to be active. Be especially diligent during this season.
  • Park Smart: Use the small size of your bike to defeat thieves. When you park in a parking garage, find a large vehicle or pillar to tuck your bike behind to conceal it. Similarly, when you park on the street look for large objects to hide your bike behind.
  • Lock It Down: When you leave your bike, do everything you can to safeguard it. Lock your ignition, your disc brakes, and your forks. Additionally, lock your bike to a firmly rooted, immovable object and wrap your locks tightly. This will make it hard for thieves to worm their way in to cut your locks. Utilizing these protections will make thieves think twice before even attempting to steal your motorcycle.

Should a tricky thief circumvent your safeguards and make off with your bike, do you have the motorcycle insurance you need to replace it? Do not be left unprotected; contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada. Get the coverage your bike deserves with the right policy at the right price.

Three Questions Every Condo Owner Should Ask

Posted on by TheSph3r3

Protect Your Condo By Making These Important Inquiries

Living in a condo blends all of the beauties of owning the roof over your head and building equity in your real estate investment with the decreased maintenance concerns of knowing someone else will care for your property. Sometimes, though, that blend can lead to confusion, especially when it comes to condo insurance. To ensure you do not have a gap in coverage, ask these insurance questions.

  • What Kind Of Coverage Does The Master Policy Offer? When you purchase a condo, you join that building’s homeowners association (HOA). The HOA carries an insurance policy, called a master policy that protects the building and grounds. Ask whether your master policy just covers the exterior of your building and common areas, or if it protects your fixtures, walls, floors, or more.
  • How Will I Be Reimbursed For Lost Possessions? Your master policy will not include coverage for your personal possessions, so it is important to secure your own policy to protect your belongings. When you do, consider whether replacement cost coverage—which will reimburse you for the full cost of your lost possessions—or cash value—which will factor depreciation into your reimbursement—would be best.
  • What Events Are Covered? If you live in an area with high seismic activity or on a flood plain, you will want to make sure you secure coverage that will protect you in those situations. Ask your insurance agent what you need to do to cover yourself from your local risks.

Does your condo have the policy it needs to be protected? Contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada for all of your condo insurance needs. We are here to help you get the best policy so you can have the protection you deserve.

Reasons For Renters Insurance

Posted on by TheSph3r3

Three Protections This Type Of Coverage Will Offer You

When you move into your rental property, you get to enjoy the variety of benefits that having a landlord brings. Whether that means not having to fix your own garbage disposal, not needing to deal directly with the loud neighbor, or not having to carry insurance coverage for your building, being a renter can make life easier. Just because you have a landlord that does not mean you do not need your own insurance policy, though. Here are a few reasons it is important to have renters insurance.

  • Protecting Your Stuff: If a fire sweeps through your building, your landlord’s insurance will pay to rebuild, but it will not cover replacing your personal belongings. Have you thought about the value of all of the possessions you have in your rental unit? If you are not in a position to pay out of pocket to replace them, fear not. Renters insurance can cover this need should it arise.
  • Protecting Your Liability: When you welcome a guest into your rental, you also welcome risk. If your guest slips and gets injured, you would like to think he or she will be understanding. There is always the chance, though, that the injury could lead to a legal battle. Renters insurance can help cover this expense.
  • Protecting Your Wallet: Do not leave yourself exposed to the financial burden of any of the above situations. An affordable renters insurance (they usually cost around $20 a month!) can offer you the safeguard your hard earned money deserves.

Would an insurance expert helping you discern how much coverage to carry be helpful? Contact the insurance professionals at All Nevada Insurance in Henderson, Nevada to get the knowledge you need to know you are buying the best policy. We are here to help you get the right renters insurance for your needs. Call us today!

How To Stomp Out Spring Allergies

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You Can Avoid Allergy Symptoms With These Guidelines

Spring is a beautiful time of year that welcomes new beginnings. Unfortunately, it is also the beginning of the season for spring allergies. You do not have suffer through the spring, though, and can use these tips to help your body function even through the pollen and winds of this time of year.

  • Get A Head Start: Pollen starts to swirl as soon as the cold weather leaves. Since your allergy medication works best if you can use it preventively rather than to treat already flaring symptoms, start taking your allergy medication now rather than waiting until spring is in full swing.
  • Keep It Outside: Just keeping your windows closed is not enough to keep pollen counts down inside. You also need to install high-efficiency air filters to ensure that the air coming through your vents is clean. Look for filters at MERV level 11 or 12 to ensure that only pure air is getting inside.
  • Drive Safe: Your car could become a hotspot for pollen accumulation if you do not prevent it. Keep your air settings on re-circulate this spring to prevent pollen from bothering you while you are getting from point A to point B.
  • Go Natural: Some home remedies might offer you some relief. Many people swear by eating a spoonful of local honey to help your body acclimate to the local plant life, while others will not be caught far from their neti pot this spring. Try out some of these natural remedies; they might work for you!

Do you have the health insurance you need to be able to visit your doctor to discuss treating your spring allergies without assuming a big copay or deductible payment? Contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada for all of your health insurance needs.

What’s Your RV Type?

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Which Recreational Vehicle Will Best Meet Your Needs?

When you and your family are gearing up for summer travel, a recreational vehicle can take your fun to the next level. Deciding to buy an RV is not so simple, however. Before you invest in amping up your traveling fun, consider which type of vehicle will be best for your family.

  • Class A Motorhomes: When you picture the long, swanky traveling home, you probably think of a Class A Motorhome. These vehicles are often decked out with a full kitchen, TV, living area and more. They are ideal for long vacations with lots of people, and are also the most expensive type of motorhome.
  • Camper Vans: Also known as Class B Motorhomes, these vehicles can offer a lot of the amenities of their larger counterparts in a more compact package, making them easier to drive (and park!). Camper vans are ideal for a few people heading out on a weekend trip.
  • Class C Motorhomes: Despite their listing farther down the alphabet, these vehicles fall somewhere between the Class A Motorhome and Camper Van. They combine the increased maneuverability of a smaller RV with more sleeping space.
  • Travel Trailer: If you do not want to invest in a whole new vehicle, this option is for you. Travel trailers can be towed behind trucks and SUVs, allowing you to bring sleeping space for a handful of people with you.

After you decide the type of RV that will be best for your family, you need to get insurance coverage to protect it. After all, you carry automobile insurance and homeowners insurance. You need a hybrid of both of these types of coverage for your multi-purpose vehicle! Contact the insurance professionals at All Nevada Insurance in Henderson, Nevada to get full coverage for your RV.

Celebrating National Nutrition Month

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A Few Ways To Make The Month More Fun

March is not just the beginning of spring, it also marks a new beginning for your body. The coming month is National Nutrition Month, making it an important time to think about the type of fuel you are putting into your body. Healthy eating does not have to be a bore, so we would like to offer you a few ways to making getting the right nutrition fun. Celebrate the month with these tips.

  • Eat Chocolate: See, we told you this would be fun! Studies show that just a little bit of chocolate can boost your mood, and a small nibble of this sweet can help you curb cravings. The key here is moderation.
  • Channel Bugs Bunny: Dicing a half cup of carrots into your meal will brighten it both aesthetically and in flavor, and a carrot is a great grab-and-go snack. Consequently, this vegetable is an easy one to work into your diet, and doing so will help you get the Vitamin A you need for healthy eyes.
  • Stay Stocked: You are much more likely to make the healthy choice if you have nutritious options you enjoy at hand. Stock up on healthy snacks (the ones you will actually eat, of course) so you can go for a yummy dip or tasty smoothie instead of that bag of chips that will leave you feeling sluggish later in the day.

As you care for your body, do you have the health insurance you need to ensure you are getting the regular check-ups you should? Contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada to get the coverage your body needs. You work hard to stay healthy; you deserve to have the policy to reflect that!

Liability Coverage For Watching Other People’s Children

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Liability Coverage

As a parent, your number one priority is the well being of your own children. However, there are many different situations that you can run into that make you responsible for other people’s children. From birthday parties to car pools, many everyday situations can lead to you being financially and legally responsible for other children. Knowing what that means for your insurance policies can help to ensure that you have the right amount of coverage.

Keep these simple tips in mind to make sure that your insurance policies are providing the right amount of protection while you are watching other people’s children.

  • Know your medical payments limits – the medical payments coverage that is provided by your auto insurance policy will provide coverage for any medical expenses that are associated with an accident. Your medical payments coverage will also provide coverage for anyone who is injured while riding in your car. Not having enough coverage can leave you liable for any injuries that are incurred during an accident.
  • Check your liability coverage – almost half of all parents are not aware that their liability coverage will provide protection if someone is injured at their home. Look over your homeowners insurance policy to ensure that you have enough liability protection for any illnesses or injuries that occur at your home.
  • Look into an umbrella insurance policy – umbrella policies will provide liability coverage that goes beyond the liability that is provided by your auto and homeowners insurance policies. Umbrella policies provide at least $1 million in coverage for around only $20 a month. The coverage that is provided by the policy will help to ensure that you are not financially devastated due to one single accident.

For all of your liability insurance coverage needs and to ensure that you are protected while in charge of other people’s children, contact All Nevada Insurance in Las Vegas, Nevada.

How Renovations Will Affect Your Home Insurance

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Home Insurance and Renovations

With 2015 still kicking off, it is the best time to make any renovations or improvements to your home to make it more comfortable for the entire year. Along with making sure that you pick out the right paint colors and tiles for your kitchen floor, it is also important to make sure you know how any renovations to your home will affect your homeowners insurance policy.

In most cases, any renovations you make will increase the overall value of your home, which means that your existing homeowners insurance policy will probably not provide enough coverage. Increasing the coverage of your home insurance policy is the only way to ensure that your new and improved home will have the right amount of protection. If you are adding any square footage onto your home, you will need to increase your coverage since extra square footage will mean an added cost if your home has to be repaired.

Making your home greener this year by adding solar panels to your home will also mean that you may have to make some changes to your homeowners insurance policy. Talk with your insurance agent to ensure that the dwelling coverage on your home is providing enough coverage for your updates.

If you are adding a backyard deck to your home, not only will your home be the number one hangout spot for the summer, but it will also increase the chances of an accident occurring. Increase your liability coverage to ensure that you will not be financially devastated in case of just one accident.

For all of your home insurance needs when making any changes to your home and to ensure that you have the right amount of coverage for your updated home, contact All Nevada Insurance in Las Vegas, Nevada.

Insurance To Value – How it Can Protect Your Property

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Insurance to Value Basics

When looking for the right amount of insurance coverage, it is easy to get overwhelmed. While you want to make sure that you have enough coverage in case of any unfortunate situation, you do not want to have to empty your wallet to pay the premiums. Using the insurance to value or ITV concept is the best way to ensure that you have the right amount of coverage.

When you use the insurance to value concept, it means that you are investing in enough insurance coverage in order to completely rebuild a structure or replace any business inventory that was lost or damaged. Insurance to value can be used to decide on the right amount of property insurance for both business insurance and personal insurance policies, such as your home insurance policy. ITV can be used with renter’s insurance, homeowners insurance, and business insurance to ensure that all property has the right amount of coverage.

While it may seem like everyone would want enough insurance protection to provide coverage for the total cost of their assets, most people do not have enough coverage. The most common reasons that people do not invest in enough insurance for all of their assets is the price. While catastrophic property claims are not very common, they do happen. Having the right amount of coverage for all of your property will help you save money in case of a disaster. The cost of the policy will be much less expensive than if you have to pay for the repair and replacement of any property that was lost.

For all of your insurance policy needs and to ensure that you have the right amount of protection, contact the insurance professionals at All Nevada Insurance in Las Vegas, Nevada. We will work with you to make sure that you have enough coverage for all of your specific needs.