Month: February 2014

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. 

Home Insurance is Not a Home Warranty

Posted on by TheSph3r3

Having a good homeowners insurance policy is an essential part of owning a home. However, some people may get their homeowners insurance confused with their home warranty. These two documents are both important, but they are also very different. While they may seen similar on the surface, when you really delve into what each one covers, you will find that they are nothing alike.

Home Warranty

Home warranties are usually purchased when someone buys a home. This policy is usually paid for at closing, and it protects the homeowner from failures of the major appliances and home systems. Usually the home warranty lasts for a year or two and keeps new homeowners from being responsible for expensive problems with appliances, plumbing, and other household systems that occur not too long after they move in the home.

Homeowners Insurance

Homeowners insurance policies cover damage to the home due to fire, theft, or storms. If a tree falls on the home, a storm destroys the roof, or someone steals things from your house, the homeowners insurance will pay for repairing or replacing things. However, most homeowners policies do not cover flood damage unless you have specifically paid for flood insurance. Homeowners insurance will not pay for replacing or repairing your major appliances or systems of the home if they fail due to routine problems, like wear and tear. However, if they are damaged by a storm or fire, homeowners insurance will most likely replace them. Homeowners insurance can also protect you from a lawsuit if someone is injured at your home.

If you have questions about insurance in Las Vegas, Nevada and the surrounding area, contact All Nevada Insurance today!

Spring Is Here: Insure All of Your Summer Toys

Posted on by TheSph3r3

The owner of a motorcycle, dirt bike or ATV should never assume that existing auto insurance policies would cover these toys.  Summer activities offer fun and excitement for all participants.  Sufficient insurance is required to prevent loss when accidents happen.  Start today to protect your assets from loss.

  • Property insurance – Damage to your motorized vehicles, RVs, boats and golf carts would be covered under this component.  Repairs, or replacement, of your property is important since few people can afford to pay for these expenses out of pocket.
  • Liability insurance – Property belonging to other people would be covered under this component.  In addition, injuries incurred when other people are involved in an accident with you would be covered.  Liability limits should be set high enough to cover lawsuit awards if another person sues you following an accident.
  • Injury coverage – The liability component will pay for injuries sustained by third parties.  Medical coverage is important if you and your family are not covered under another major medical insurance policy.  Health expenses can add up quickly if multiple people are injured in an accident.

For more information about insuring your toys in Nevada, contact All Nevada Insurance located in Las Vegas.

Health and Safety Risks Associated with Mold in Homes and Businesses

Posted on by TheSph3r3

Mold can result in a variety of health problems, ranging from itchy eyes to severe allergic reactions. Most home and business owners are not aware that mold is lurking in walls and ceilings or in damp basements. Since mold thrives on moisture, it can be found nearly anywhere, including on walls, ceilings, floors, fabrics, carpets, and even in ductwork. Mold poses many dangers in the home and business.

The dangers of fungi can escalate quickly. The growth of mold can begin with 48 hours of a surface’s exposure to moisture. If left unchecked, the mold will begin to grow and spread. Short-term exposure to fungi can compromise a person’s immune system, resulting in headaches, fatigue, burning throat, and flu-like symptoms. Respiratory problems are common when exposed to mold, and mold can increase the intensity and frequency of asthma attacks. Individuals with certain health conditions, such as severe allergies and asthma, are more susceptible to the dangerous effects of mold.

For more information on home or business insurance or coverage in the Las Vegas, Nevada area, please contact All Nevada Insurance.

How To Find The Best Agent For Your Business Insurance Needs

Posted on by TheSph3r3

As a business owner, you’ve likely gone to great lengths to find the right legal team, marketing firm or other advisor for your business. However, locating an insurance agent for your business is often not given the same weight, so to speak. Having a genuinely beneficial partnership with your business insurance agent is also really valuable. Therefore, we are offering tips on how to find the best agent for your business insurance needs.

First, looking for the least expensive solution is not the best approach, and here’s why. You can call around for quotes from various agencies, but an apples-to-apples comparison of the policies can often reveal huge coverage differences — differences that can severely affect your business in the event you need to file a claim. Next, even when the quotes are similar, you often have to look beyond the cost to the experience, versatility and long-term value of working with one agent over another. The old adage, "experience is a good teacher" is true, and that basic wisdom can often be highly beneficial to you. Also, having an agent who stays abreast of changes in industry regulations can prove to be a real benefit to you by providing information to help you respond to those changes quickly and effectively.

All Nevada Insurance is a fully licensed independent insurance brokerage with over 70 years experience serving individuals, families and businesses throughout seven states, including Nevada. In addition to business/commercial insurance product lines, the experienced professionals at All Nevada Insurance also write group health, worker’s compensation, life, and supplemental insurance policies for our business customers.

To get a fast, friendly, no-obligation quote, contact All Nevada Insurance today!

Two Important Facts About Marriage and Insurance

Posted on by TheSph3r3

All Nevada Insurance policies are slightly different. The coverage generally changes depending on several factors, one of the main ones being marriage. When you get married in Nevada, there are a two important factors you should keep in mind about your insurance coverage. This is true of your life insurance as well as your health and medical insurance.

Discounts

One of the first things you will notice, about most of your insurance coverage, is the discounts. Major insurance providers look at married couples as being more responsible than individuals. This means you will receive discounts and rewards simply for tying the knot. Some of these discounts can save you hundreds of dollars a year depending on current coverage packages and options.

Coverage Increases and Options

Another key change on insurance policies when you get married is the type of coverage options and increases you have. When you get married you will notice you may now have several other packages and full coverage benefits to choose from. Look over these carefully as some may offer much better coverage at your before discount rate.

When you decide to get married meet with your All Nevada Insurance representative for details on what changes you can expect.

All Nevada Insurance Named “Top Producer” in Nevada Second Year in a Row

Posted on by TheSph3r3

All Nevada Insurance has been named the "Top Producer" in the state of Nevada for the second year in a row for American Strategic Insurance. American Strategic Insurance provides homeowners, condo owners, seasonal, investment, umbrella, commercial, builder’s risk and flood insurance policies. 

Individuals and companies interested in reviewing, increasing or obtaining new insurance policies can contact All Nevada Insurance for any of their insurance needs. All Nevada Insurance is an independent insurance agency that can find the perfect coverage for anyone’s needs. 

All Nevada Insurance was named "Top Producer" through its consistent ability to match its clients with the insurance offerings that best suited them. Automobile, renters, homeowners, health, business and commercial insurance options are all available through the All Nevada Insurance company.

All Nevada Insurance has five locations in Las Vegas and Henderson, Nevada. For more information about the coverage options available through All Nevada Insurance, contact All Nevada Insurance today.

Support Heart Disease Awareness Month in February

Posted on by TheSph3r3

During a month of Valentine’s Day, love is in the air. It’s a time to show others you care and to give yourself some love. Support your heart’s health with recognition of Heart Disease Awareness Month through community involvement or individual awareness. Heart disease is the most common killer of women with this disease beginning as early as one’s teen years.

Show your support for Heart Disease Awareness Month by attending or participating in community or regional events in recognition of heart disease. Additionally, you can make small changes in your own lifestyle as a way to reduce the chances that you will suffer from this killer. Choose not to smoke as smoking and secondhand smoke are related to respiratory issues associated with heart disease. Eat healthier foods and cut back on those unhealthy substances including salt, alcohol, saturated fat, trans fat and sugar. Remember to get plenty of physical activity. You should raise your heart rate to a healthy elevation for at least 2 ½ hours every week.

Here at All Nevada Insurance of Nevada we hope that you will be here to celebrate many more Valentine’s Days to come. In order to become a healthier individual, opt for health or life insurance coverage that will grant you the protection you need for paying for heart related doctor’s visits. Contact us today to get started.

Three Ways to Find the Right Insurance for You

Posted on by TheSph3r3

All Nevada insurance companies will offer the same basic coverage. However, there are certain companies that may have more or fewer options depending on certain factors. If all the life, medical, and auto insurance options are confusing you, and you need help finding the right coverage option, then consider these three basic methods to help.

Determine Your Needs

The first and best step to take in order to find the insurance coverage that is right for you, is to determine your needs. List your basic needs and determine which coverage options meet those requirements. Don’t forget to consider how much you can afford as one of your insurance needs.

Reflect on the Insurance

Reflect on the insurance and what you would need in an accident. Think about a basic accident and walk through what coverage options are best for you. List these options and what the best case scenario is for your insurance.

Contact an Insurance Agent

Once you have considered the various options and determined your needs, it’s time to contact the agent. Let your agent know your needs and what you think you will want in case of an accident. They will be able to help you determine the best insurance for your needs.