Spring Is the Best Time to Update RV Insurance Coverage

Posted on by TheSph3r3

Travel plans are being developed months before departure.  As part of the preparation, RV owners are wise to evaluate the existing RV insurance policy.  Consideration must be given to the differences between auto insurance and RV insurance.

  • Specialized vehicle – A recreational vehicle requires coverage for personal belongings and more expensive towing services.  RV insurance offers services that are designed to assist policyholders with various problems that arise on the road.
  • Avoid cheap insurance – Affordable RV insurance includes the insurer’s strong reputation for paying claims and providing assistance.  Policyholders trust the insurance company to respond regardless of the RV’s location.
  • Sufficient liability coverage – Your property must be protected against loss when you cause damage to property belonging to another person.  Liability limits must be sufficient to pay for these losses.
  • Applicable discounts – Savings on RV insurance is possible when the policyholder asks for the Exclusive Storage Option that suspends unnecessary insurance when the RV is not in use.
  • Annual destinations – Driving into Mexico, or Canada, might fall outside the acceptable risk of your current RV insurance.  Contact the insurance company early to make appropriate adjustments.

For more information about RV insurance in Nevada, contact All Nevada Insurance located in Las Vegas.

5 Things You Need To Know Before Renting in Las Vegas

Posted on by TheSph3r3

Looking to rent in the Las Vegas area? Before you sign anything, read the five tips below from Nevada Legal Services.

How Much Should a Security Deposit Be?

Nevada law states that a security deposit can be up to three times the monthly rent and no more.

When Can a Landlord Increase Rent?

Landlords can’t raise rents at their whims. They can only legally raise the rent if there are provisions in the original renter’s agreement.

Landlords Need to Give Contact Numbers

There’s nothing more frustrating than trying to reach a landlord during an emergency. By state law, landlords need to give their renters an emergency contact phone number of someone who lives within 60 miles of you.

Landlords Need to Tell You If Foreclosure is Possible

Even if you are only renting, you can still be tossed in the street from a foreclosure. Landlords are required by law to tell anyone looking to rent that the property is in foreclosure.

Free Consultations Available

Still have questions? A free 15 minute consultation can be had from the Legal Aid Center of Southern Nevada.

If you still wonder what you need to know before renting a house in Las Vegas, Nevada, please contact All Nevada Insurance today.

Landscaping for the Arid Nevada Climate

Posted on by TheSph3r3

In a real estate market that can be increasingly volatile, investing time and money in properly landscaping your home can pay off when you get ready to sell. Since there are usually many homes on the market, having a landscaping plan that is well-designed and well-maintained will set your home apart from the competition. Additionally, properly landscaping your home can make it a more pleasant place for you and your family. Here are three benefits of customizing your landscaping to the climate of the arid state of Nevada.

1. Xeriscaping reduces water use.

Many homes in Nevada rely on xeriscaping design for landscaping. Xeriscaping uses plantings that need very little water. This can be a selling point because low-maintenance plantings are attractive to homebuyers.

2. Good landscaping uses proper irrigation procedures.

Rather than installing typical sprinklers, good landscaping design in Nevada utilizes drip irrigation. This reduces water loss due to evaporation and ensures that more water makes it to the plants’ roots. Additionally, you don’t have to worry about the phenomenon of "watering the pavement" that can so often happen with sprinklers.

3.  Good landscaping keeps safety in mind.

Because the past few years have been unusually dry, increasing the chances of wildfire, good landscaping designs keep vegetation to a minimum within thirty feet of the home. Shrubs and perennial plants that are closer to the house should be thinned to keep fire from having an easy path to the house.

For more information about homeowners insurance in Las Vegas and the surrounding area, contact All Nevada Insurance today!

 

What to Do If You Have a Car Accident in Nevada

Posted on by TheSph3r3

All it takes is a slippery road or a moment’s inattention to cause a car wreck. A car accident can happen very quickly, and it may be one of the scariest moments of your life. Every driver should know what to do if there is an accident. However, the protocol may differ depending upon the state in which you are driving. In Nevada, this is what drivers should do if there is an accident.

Move Out of Traffic and Call the Police

First, if the vehicles are able to be moved and no one is seriously injured, move the vehicles out of the way of traffic. Next, call law enforcement. If no one is injured, you may just want to call the police without using the 911 number. If law enforcement shows up to work the accident, he or she will fill in the proper paper work. However, if a policeman is not available, you must take it upon yourself to get the correct information.

Paperwork Necessities

Make sure that you get the other driver’s full, legal name, phone number, and address. Additionally, you should get their driver’s license number and license plate number. Be sure to record their car information, like the make, model, and color of the vehicle. Also in Nevada, paperwork requires the Social Security numbers of both parties. Write down the approximate location of the wreck, the weather conditions, and the exact date and time of the accident. Be sure that you supply the other driver with the same information for yourself.

File Papers

In Nevada, you must file a Report of Traffic Accident within 10 days of the wreck. This form is available on the Department of Motor Vehicle website. It will include all of the above information and will not be accepted without it. You will also need to include a copy of your insurance card and medical reports if someone was injured.

Insurance Claims

Be sure to notify your insurance company of your accident as soon as you can. They will walk you through the steps of getting your vehicle repaired and making any claims against the other driver.

If you have questions about your auto insurance in Las Vegas, Nevada, contact All Nevada Insurance today.

Special Programs for Young Drivers in Las Vegas

Posted on by TheSph3r3

Teen drivers have accident rates up to three times higher than the rest of the population. If your teen is learning to drive, you may be interested in these resources:

Adam’s Place, a counseling center focused on teen issues offers a driving education course tailored for young beginners. The course was developed by concerned parents and traffic safety experts. In addition to teaching driving skills, the course places strong emphasis on safe driving, accident avoidance and injury prevention. The 30-hour course will prepare a teen driver for licensing, but more importantly, build awareness of the responsibility drivers accept for the safety of themselves and others. For dates, times and registration information, call (702) 339-0848.

Driver’s Edge is a unique safety course for drivers under 21. The course appeals to young drivers with sessions on the Las Vegas Motor Speedway course. During the session, drivers are taught how to control their cars in difficult situations and learn methods of avoiding collisions. As part of the course, every student will have a chance to get behind the wheel with a professional race driver or performance course driver. Dates vary, call (702) 896-6482 for details.

All Nevada Insurance is dedicated to protecting Nevada drivers, especially teens, with the right insurance. To explore your auto insurance options, contact us.

The benefits of digital security cameras

Posted on by TheSph3r3

Many home owners and business owners are adding digital security cameras to their properties now that the technology has become relatively affordable and easy to use.

Today’s digital surveillance cameras operate largely through software and apps. They can alert home and business owners via smartphone when something appears amiss at their respective locations. Those who use the devices can monitor their property through their tablets and similar devices, allowing them to determine if there is truly an emergency occurring or not. 

Digital cameras are credited with helping authorities recover stolen property in relation to several recent Las Vegas area burglaries. In each case, police were able to review recorded footage and find clues to the identify of the thieves in question, leading to arrests and property recovering. 

If you are thinking of buying such a system, do some research so you understand your options. Make sure you choose a system that not only fits your budget, but also your privacy and security needs and goals. 

For more information about how to protect your Las Vegas home or business property, contact All Nevada Insurance today. 

Sustain the Life of Your Company With Business Income Insurance

Posted on by TheSph3r3

 

Only one business out of five will recover following a significant loss, such as a natural disaster, fire or flood.  The inability to sustain the operation causes businesses to lose income that would cover payroll and operating expenses.   Business income insurance coverage can make survival possible.  Business owners are wise to follow these pointers.

  • Assess risks – Business locations have identifiable risk factors, such as floods, tornadoes or hurricanes.  In addition, supplier locations have similar risks.  Each situation must be evaluated to determine the ways in which the business must adapt to recover from various situations.
  • Devise continuity plan – Business survival depends on the ability to continue the operation in a temporary location or with another supply chain.  During this time, the business income insurance can supplement the cash flow to provide funds for the operation and payroll.
  • Conduct annual review – During the budget process, the continuity plan must be reviewed and updated to address growth and other changes that happened during the year.  Adjustments to the plan must include updates to the business income insurance policy limits.

For all of your business income insurance needs in Nevada, contact All Nevada Insurance located in Las Vegas.

All Nevada Insurance Partners with Local Fundraising Organization

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A.M Volunteers is a Las Vegas volunteer organization that holds fundraising events for various charities in the local area. Equally important, A.M Volunteers’ events are free, permitting more of every donation to go to their supported charities.

For example, their strong relationship with St. Jude’s Ranch for Children, allows A.M Volunteers to offer diverse supplies for St. Jude’s facility throughout the year. Their most recent event for this charity took place on Saturday, February 8, when they held a Cupcake Fundraiser to benefit St. Jude’s.

All Nevada Insurance believes in A.M Volunteers’ mission, to provide helping hands that ensure  area charities can survive and continue their good works. That’s why All Nevada Insurance became an active partner with this outstanding local volunteer organization.

Just as this Las Vegas volunteer organization improves the lives of others in need,  All Nevada Insurance, with their 70+ years’ experience, continues to protect and insure Nevada individuals and businesses with exceptional service perfected by this experience. With a full service menu of products, All Nevada Insurance professionals can explain all your options and provide affordable quotes for the protection you need.

When you want insurance advice, information and protection you deserve, contact All Nevada Insurance. With five locations in Las Vegas alone, All Nevada Insurance offers its clients convenience, as well as affordable protection.

March Las Vegas Events to Note on Your Calendar

Posted on by TheSph3r3

Las Vegas, Nevada locals have numerous fun, interesting events coming in March 2014. These events are not tailored for tourists, but for residents.

  • Mardi Gras Celebration, March 1. Celebrate Mardi Gras with Creole Stomp, the group that traverses the nation with their bluesy Louisiana songs.
  • The 26th Annual Great Arizona Beer Festival, March 1. Sample over 200 brews from more than 50 breweries.
  • Bluegrass in the Park, March 2. Free event showcasing local bluegrass and acoustic bands.
  • Classical Guitar Concert (with Peter Fletcher), March 5.
  • Bark in the Park, March 8 features fun events for both you and your dog.
  • Spring Brew’s Best Hand-Crafted Beer Festival, March 8.
  • 48th Annual Sons and Daughters of Erin, St. Patrick’s Day Parade and Festival, March 13-16.
  • Thirsty Third Thursday Pub Crawl, March 20.

This is a sampling of the many events geared to locals that are scheduled for March. There are more things to do, including the Rock or Dare Trivia Contest every Monday at Monster Mini Golf and the many Farmers Markets, offering the freshest local food for Las Vegas residents.

When you have questions about the complex world of insurance, contact the professionals at All Nevada Insurance. With five locations in Las Vegas, Nevada, All Nevada Insurance also offers its services in Colorado, Arizona, California, New York and Utah.

Should your business carry more than general liability insurance?

Posted on by TheSph3r3

Most business owners know they should carry liability insurance. However, not all understand the difference between carrying mere general liability insurance and more comprehensive coverage. 

In many cases, general liability insurance does not provide enough coverage. For example, it will not protect business owners from the repercussions of defective merchandise production, product recalls, injuries caused by faulty merchandise or property damage occurring as a result of faulty products. 

If you run a business with an international reach, bear in mind that general liability coverage does not extend across the United States border. 

Meanwhile, if you run a business with professional staff, such as lawyers or accountants, it is important to purchase professional liability insurance to protect staff from tort claims alleging negligence or misconduct. 

Depending on the type of business you run, there are many liability coverage options from which to choose. Some will be appropriate for your enterprise, while others will be unnecessary. 

If you live in the Las Vegas area, find out more about your insurance coverage options by contacting All Nevada Insurance today.