Month: August 2013

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.

Don’t Forget to Refer Us!

Posted on by TheSph3r3

Clients that are satisfied with their experience at All Nevada Insurance should keep in mind that they may be able to refer friends and family for some excellent discounts. The All Nevada Insurance agency depends a lot on referrals to save on their advertising budget and to ultimately cut costs for their clients. Referring friends and family to the insurance company can be a great way for an existing client to help the people they care about get a great insurance package while also earning themselves an excellent discount on their own insurance.

Referring a client to All Nevada Insurance is as simple as letting them know to mention your name, but you can also refer them directly through the website. You can also always ask for permission to give your agent their contact information directly, which means that the agent can contact them about their insurance needs directly with no effort on their part. Agents can speak with your friends and family as soon as possible to figure out where they can save them the most money on the coverage they need.

For more information about the benefits of referral contact All Nevada Insurance.

Tickets On Sale Tomorrow!! Round 4: Knockout Cancer for Candlelighters Kids

Posted on by TheSph3r3

We are extremely excited to announce that tickets will go on sale tomorrow, August 21st at Noon for Round 4: Knockout Cancer for Candlelighters Kids annual charity event! You can either go to the Orleans box office, or buy them online at www.orleansarena.com. We are making this year even better! We will have four boxing, four kickboxing and four MMA bouts! Please get your tickets as soon as possible. Tickets prices are; $75, $50, $30 & $15. The floor seats are the $75 & $50 prices. We anticipate them to sell out fast! Thank you all in advance for your support with this worthy and important cause. As Candlelighters Childhood Cancer Foundation of Nevada always says, “because kids can’t fight cancer alone.”

Workers Compensation 101

Posted on by TheSph3r3

If you run a business and have employees, it’s important to buy workers comp insurance that will cover injuries that your employee might sustain at work. Depending on where you live, there may be restrictions on where you are able to get that insurance. Some states pull policies from a state fund that is commonly looked at as a monopoly. Other states work solely with private insurance companies. A handful offer businesses a choice between a state offered policy and private insurance. With so many variances, you practically need to attend a Workers Comp 101 course in order to have the knowledge you need to cover your business.

In Nevada, the situation is even more confusing. Until recently, Nevada was a monopoly state, which meant the state took care of everything associated with the Workers Compensation policy. But now, Nevada businesses can find workers comp policies by comparing private policies, which means you have a decision to make. At All Nevada Insurance, we’re here to help you make an informed one.

As a broker for home, auto, commercial, health and life insurance All Nevada Insurance is able to generate quotes from a variety of insurance companies throughout Nevada, as well as California, Colorado, Arizona, Utah, and New York, and we maintain the knowledge needed to help you determine everything that is required from a workers comp policy, and everything that is recommended. With the numbers in front of you, the choice is in your hands. Contact All Nevada Insurance in Las Vegas today to learn more,

Looking for a BBQ recipe?

Posted on by TheSph3r3

Barbecue season is well under way. If you’re looking for an exciting and healthy recipe to impress your friends or family at your next BBQ, try one of the following ideas.

Pork Kabobs

Alternate slices of marinated pork with your favorite summer veggies on a skewer. Zucchini, eggplant, and peppers are just a few of the many possibilities. Cook on a pre-heated grill for about 4 minutes per side. (Substitute chicken, shrimp or turkey for the pork.)

Grilled Sausage Pasta Salad

Prepare one pound of pasta according to package directions. Slice one bell pepper, one medium zucchini and one red onion. Place in a grilling basket on a preheated BBQ with one pound of turkey sausage (hot or sweet), When done, cut veggies and sausage into bite sized pieces and add to pasta. Mix together 5 tablespoons of olive oil with 6 tablespoons of balsamic or red wine vinegar and blend well. Pour dressing over pasta and toss to coat thoroughly. Serve warm or at room temperature.

Check back often for more healthy meal ideas!

All Nevada Insurance provide insurance services to individuals and businesses anywhere in Nevada. Contact us today to see how we can help you with your insurance needs!

Check Your RV Insurance Before Your First Trip

Posted on by TheSph3r3

If you have invested in an RV of any kind for family vacations, don’t leave it uninsured. RV insurance is needed even if you already have auto insurance to cover your other vehicles. Without a comprehensive plan, you could end up spending a lot of money just to keep the RV on the road.

Check on your deductible for the year before setting out on a road trip. High deductibles are fine when you are driving a brand new RV, but a lower deductible policy may work better for older vehicles. Don’t be afraid to negotiate for a lower rate if you recently took extra training to develop better skills at handling large vehicles. Defensive driving courses are always helpful.

Watch out for loopholes that keep entire systems from being covered by the policy. Even the most full coverage options often fail to pay for repairs to the A/C unit, blackwater system, or furniture inside the unit. Good policies can be tailored to cover anything you want. If you are unhappy with how much you are spending to insure your fifth wheel or camper, consider discussing your options with All Nevada Insurance.