The Perils of Staged Car Accidents

Posted on by TheSph3r3

If you’re not aware of staged car accidents, you may not be able to adequately protect yourself from them. A staged car accident is a car accident that another person initiates intentionally for a variety of reasons. The driver could be seeking medical care for an existing problem, such as a spinal injury. More often, the driver is looking for a quick settlement or even a payoff.

Staged car accidents often occur in two stages: one car will get in front of you and will slow or stop suddenly, and this will drive you into another car to your side. The car at your side will claim to not have seen anything at all that would have caused you to swerve.

Other times, a staged car accident can be as simple as another car tapping their brakes to get you to hit them from the back. It’s important to note, however, that all of these accidents rely on you being too close to other vehicles. If you ever feel boxed in by other cars, or as though other drivers are getting too close, you should take immediate action to get away.

For more information about staged car accidents, and the auto insurance options you can use to protect yourself from them, contact the experts at the All Nevada Insurance Blog.

23rd Annual 5k & 1 Mile Race for Our Kids

Posted on by TheSph3r3

On September 14, 2013, we once again sponsored the Candlelighters’ 23rd Annual 5k & 1 Mile Race. The event was hosted by Chet Buchanan at Mountains Edge Exploration Park in Las Vegas. The Race for Our Kids helps raise critically needed funds to support children with cancer and their families and generate awareness of childhood cancer’s impact in the community. The event is organized by the non-profit organization, Candlelighters Childhood Cancer Foundation of Nevada.

Las Vegas Nevada Locals!

Posted on by TheSph3r3

As summer winds down and fall approaches, if you are looking for activities for locals in Las Vegas, there are plenty of interesting and exciting events coming up that will either delight your family or help your community – and they are free to attend!

For family fun, watching outdoor movies with the kids can’t be beat. Bring your family, lawn chairs, blankets and snacks to The District at Green Valley Ranch every Friday and Saturday night through October for free, kid-friendly entertainment. On Saturday, August 24, your family will enjoy The Lorax.

What could be more family-friendly than a new household member? Find your new cat or dog at a pet adoption event. It’s a win-win for everyone. Pet adoptions are held weekly at Tivoli Village (inside The Dog House), 302 S. Rampart Blvd. On Sunday, August 25, 11 a.m. to 2 p.m. you can choose your new family member from a variety of needy critters available for adoption.

If the Arts are your thing, set aside the first Friday of each month to attend First Friday. This ongoing event features arts and entertainment at a social block party. Stop by on Friday, September 6, 6pm – 10pm for cool local art, street performances and live music.

For more information about local happenings, or questions about your insurance needs, contact the experts at All Nevada Insurance.

5 Ways to Secure Your Home for Under $100

Posted on by TheSph3r3

No matter what type of community you live in, you want to make sure your home is protected. Many security options are expensive but there are several ways to secure your home for under $100.

Door Security Bar – these bars prohibit the door from being opened from the outside and withstand high amounts of pressure.

Mock Security Camera – they look just like the real thing and come complete with motion activated sensors and LED lights to ward off intruders.

Motion Activated Flood Lights – mounted around the outside of your home, they shine a bright light over the area when they detect motion. Perfect for stopping unwanted guests as well as illuminating the way for friends and family coming to visit.

Door Stop Wedge Alarm – placed under the door it will sound an alarm when the sensor detects the door opening.

Dogs – Even a family friendly breed can be enough to stop burglars from entering your home.

Contact All Nevada Insurance today to discuss additional ways of fixing your home to keep it safe and protecting it with an affordable insurance policy. We proudly service the entire state of Nevada.

Staying Safe Around The Pool

Posted on by TheSph3r3

Adding a pool to your backyard is a great way to stay in shape and cool down during the summer. However, everyone in the family needs to learn basic pool safety skills before they get around the open water. This can help prevent many injuries and accidents.

Start by teaching everyone to swim with an adult, and ask adults or teens to swim with a buddy as well. Install alarms on pool gates and use only tall, secure gates to ensure the youngest members and pets can’t accidentally wander into the area.

Keep floatation devices near the pool at all times. If someone does fall in, you need to immediately be able to throw them a ring. Consider safety covers that keep animals and children from falling in when the structure’s not in use. All of these efforts will help you avoid the need to make claims against your homeowners insurance policy. If your current coverage doesn’t include injuries related to your pool, contact All Nevada Insurance for more information. Nevada residents should take the time to insure every major home addition or improvement shortly after construction is completed.

How to File a Home Insurance Claim

Posted on by TheSph3r3

Filing a home insurance claim isn’t difficult, but there are a few things that you do need to be very careful about when doing so. An insurance claim usually begins with an inspection of the damage and careful documentation. You will want to do this as soon as possible and you will want to document everything in pictures as well as text. Once you have captured as much information as you can you can call your insurance company for further information. Your insurance company will be able to direct you to the appropriate forms you need to submit.

Many companies today have mobile phone applications that allow users of the app to automatically file a homeowners insurance claim, complete with photos and explanations, right through their phone. This can be a great way to submit a claim quickly. Once the claim has been received in whatever format you chose, the insurance company will review the claim and will contact you with any further information they need. Once the claim has processed, the claim will be finalized and funds will be disbursed.

For more information about home insurance and how to file home insurance claims contact the insurance experts at All Nevada Insurance.

A Few Ways Renters Insurance Can Save You

Posted on by TheSph3r3

Contrary to what many people believe, rental insurance isn’t very expensive. The amount you pay for coverage depends on the value of your possessions, the amount of coverage you want, what your deductible is, and the type of insurance you get.

If you choose not to purchase renters insurance, you may be making a mistake that may cause you huge problems. In very hot climates where intense dry winds are the norm, the entire area is susceptible to massive wild fires. Without adequate rental insurance, you would lose everything.

Renters have the option of choosing between cash value coverage or replacement cost coverage. The main difference is that cash value considers what you paid for your property. They then deduct a pre-determined amount for depreciation. Be careful about rushing to sign up for this type of policy. Ultimately, you may not be able to afford to replace things with this type of coverage.

When you choose to purchase replacement coverage, your insurance company will pay you whatever it costs to replace the possessions you lost, provided the loss is covered.

Named perils coverage will only pay you for situations that are specified in your policy. All perils coverage provides much more comprehensive protection and pretty much includes everything, except things that are excluded under the policy terms.

If you want to save money on rental insurance, choose the highest deductible you feel comfortable paying. Ask about multiple policy discounts. If you need auto insurance, you may reduce your rental insurance costs by opting to bundle your policies with the same company.

Contact All Nevada Insurance to discuss your insurance needs and learn about things you can do to save money on all of your policies.

What Every Landlord Needs to Know About Insurance

Posted on by TheSph3r3

Being a property owner that rents either residential or commercial space is operating a business. This means that as a landlord you must protect yourself and your business from risks attributable to property loss, income loss and liability.

While requiring your tenant to either have renters insurance or general business liability insurance offers a modicum of insulation from these risks, it is not enough.

Coverage landlords need include:

  • Property insurance
  • Income replacement insurance
  • Liability insurance

Property is subject to risk from many types of peril. Fire, flood, earthquakes, hurricanes, and tornadoes are some of the more common risks. Most business insurance advisors recommend that a landlord purchase a policy for each peril to insure protection is sufficient.

In the event your rental property suffers significant damage from fire or another peril you will not be able to rent it. However, property taxes and mortgage expenses may still be upcoming and if you counted on income from the property for living expenses you need to replace. This is the purpose of income replacement insurance.

Injuries to tenants, visitors and guests that occur on your property can be costly to defend. If a claim is made against you for something like failure to maintain the property and that inaction resulted in an injury liability insurance will pay for your defense if the case goes to court and the amount of the settlement or verdict up to your policy limit.

Las Vegas landlords count on All Nevada Insurance for the best and most affordable landlord insurance. Call us now for a free insurance quote.

There’s An App for That: Home Inventory Made Easy

Posted on by TheSph3r3

A home inventory helps you recover lost property if you are a victim of a fire, break in or other tragedy. Homeowners insurance and renters insurance policies require the client to keep an inventory of their personal possessions so they can be replaced if they are destroyed or damaged. In the past, a hand written list or a video/photographic list were the common ways to maintain an inventory.

New apps are available for smartphones that allow consumers to immediately record new purchases and place them on their home inventory list. Apps are easy to use and make retrieving an item’s serial number and description as easy as typing in a few letters. Filing a claim for lost or stolen property can be taken care of almost immediately.

Las Vegas, Nevada residents have a new and innovative way to help them maintain an accurate and up to date home inventory. The agents at All Nevada Insurance can help their clients discover new apps that will help them create a home inventory using their smartphone. With a complete list of their belongings in the palm of their hand, they can make a claim or a police report in a matter of minutes.