Month: August 2015

When Should You Invest In Life Insurance?

Posted on by TheSph3r3

Life Insurance Through The Years

Life insurance is meant to provide financial stability for your loved ones when you pass away, which is why most people assume that they only need a policy once they start raising a family. However, life insurance can provide protection for people of all ages.

One of the major benefits of investing in a life insurance policy while you are young is so that you can enjoy much lower premiums. Your premiums are based off of how healthy you are and how likely you are to pass away. While you are younger and healthier, you will be able to qualify for a policy with lower rates than you may be able to as you age. If you invest in a whole life policy while you are young, you will never have to worry about your rates rising.

Just because you invest in a life insurance policy when you are young does not mean that you should never take another look at your coverage. As you enter different stages of your life, from getting a new job to having children, you will want to update your life insurance coverage to make sure that it is still working its best for you. The more dependents you have, and the bigger the financial portfolio you have, the more coverage you should invest in to make sure that you are properly protected.

If you have a strong retirement plan, you may be able to save money into your golden years by lowering your life insurance coverage. If you have built up your savings and assets to allow you to live comfortably into retirement, while also being able to provide financial security for your loved ones, you can drop your coverage completely, or simply lower your coverage amount to save money on your premiums.

When looking for the right life insurance policy, no matter what stage of your life you are in, contact All Nevada Insurance in Las Vegas, Nevada.

Quick And Healthy Recipe For A School Night

Posted on by TheSph3r3

Chicken and Zucchini Enchiladas

The back to school season is here, which means your nights are probably full of after school activities and homework, leaving very little time for a healthy dinner. Luckily, there are many healthy recipes that can be thrown together in no time. Keep this quick and easy chicken and zucchini enchiladas recipe in mind that the whole family will love.

Ingredients:

  • 1 jar mild green salsa
  • ½ cup low fat sour cream
  • 2 cups cilantro
  • 1 tablespoon olive oil
  • 3 small zucchini
  • 2 cloves of garlic
  • 1 teaspoon coriander
  • ½ teaspoon chili powder
  • Kosher salt
  • 4 ounces Muenster cheese
  • Small rotisserie chicken
  • 8 small yellow corn tortilla
  • chopped white onion

Directions:

  1. Heat your oven to 400 degrees. Puree the cilantro and salsa in a food processor until smooth. Add the sour cream and pulse to combine. Spread 1 cup of the salsa mixture in a 9 by 13-inch baking dish. Transfer the remaining mixture into a medium bowl.
  2. Heat the olive oil in a large skillet over medium heat. Add the garlic and cook for about 1 minute. Add the zucchini and cook, tossing for 1 minute. Stir in the coriander, chili powder, and add 1 teaspoon salt. Remove from the heat. Add the chicken and ¾ cup Muenster cheese and mix to combine.
  3. Wrap the tortillas in a double layer of damp paper towels and microwave until soft, about 1 minute. Working with one tortilla at a time, dip in the reserved salsa mixture and shake off any excess. Place on a cutting board, top with ½ cup of the filling, roll up, and place seam side down in the baking dish. Repeat with the remaining tortillas and filling.
  4. Spoon any of the remaining salsa mixture on the top. Sprinkle with the remaining ¼ cup of cheese and bake until the cheese begins to brown, about 12 to 15 minutes. Serve with chopped cilantro and onion, and enjoy!

All of us at All Nevada Insurance in Las Vegas, Nevada would like to wish you a successful school year and encourage you to try this tasty recipe!

TUFF-N-UFF ROUND 6: Operation Knockout Tickets on Sale Now!

Posted on by TheSph3r3

Tickets are now on sale for our annual charity event benefitting Randy Couture’s GI Foundation at the Brooklyn Bowl or online at http://www.brooklynbowl.com/las-vegas/music. Seating is limited, so get your tickets now! All proceeds go to local wounded soldiers and their families. There will be food, drinks, live D.J. and a great silent auction; featuring a 60 pound history of the UFC book signed by Dana White, signed gloves from various UFC fighters, signed memorabilia by Randy himself, tickets from shows on the strip and much more!

Get Your House Ready For Fall With These Tips

Posted on by TheSph3r3

Fall Home Maintenance

Although there is still a full month left of summer, right now is the best time to make sure that your house is ready for the fall and winter seasons. Before the weather starts to cool down too much, make your way through this fall home maintenance checklist.

  • Clean your gutters – clogged rain gutters can lead to serious roof and wall damage when the rainy season comes around. Clean out any fallen leaves or other debris and make sure that your downspout is facing away from the foundation of your house to prevent any water damage.
  • Check your roof – while you are cleaning out your rain gutters, it is the perfect time to look at your roof to see if there is any damage. Missing or damaged shingles could be a sign that there is a more serious issue with your roof. Make any necessary repairs to your roof as soon as possible to ensure that your roof will keep your house safe through fall and winter.
  • Inspect your seals – take a look at the seals around your doors and windows and make sure that all the weather stripping is in good condition. Replace any weather stripping that is missing or damaged to help keep your house at a comfortable temperature all season long.
  • Hire a professional – since your furnace has not been used in many months, you may run into some issues the first time you turn it on. Hire a professional to take a look at your furnace to ensure that it is working properly.

Most importantly, take a look at your homeowners insurance policy to make sure that it is providing the right amount of coverage for the upcoming season. Contact All Nevada Insurance in Las Vegas, Nevada for all your home insurance needs.

Fun Activities For The Kids This Summer

Posted on by TheSph3r3

Keep The Kids Entertained With These Activities

Summer is in full swing and while your kids were probably over the moon a month ago, you may be hearing about their boredom non-stop as we head into the latter parts of summer break. The good news is that there are a number of great local activities that can fill your kids’ days with fun! Here are just a few around Las Vegas worth checking out.

  • Advantage Basketball Camps: Learning how to shoot hoops will help your kids in their entire lives, plus it will get them moving this summer! Prep them to always be able to jump into a pickup basketball game with friends by sending them to Advantage, where they will not only learn basketball skills but also the important of teamwork, self-confidence, and working hard.
  • Springs Preserve: With just 60 campers a week heading to the preserve, this is the chance to experience nature with great guidance from the experts. Give your kids the opportunity to get into the great outdoors and learn about the world that surrounding them at Springs Preserve!
  • Hollywood Kids Academy: Perfect for kids between 6 and 13, this program offers five days of summer workshops to give your kids the skills they need to be triple threat performers. They a will act, sing, and dance out scenes from beloved Disney and Broadway productions. The week of fun culminates in a performance for their family and friends, giving them real life experience on stage and confidence that will last well beyond the summer’s end.

Do your kids have a favorite summer activity that helps them fend off boredom? Let us know!

For all of your insurance needs in and around Las Vegas, contact All Nevada Insurance today. We are committed to putting the right Nevada coverage in place to help you and your family enjoy the summer without worry.

Are You Covered In Case Of A Tornado?

Posted on by TheSph3r3

Understanding Your Las Vegas Insurance

While tornadoes are fairly rare in Las Vegas and the surrounding Nevada area, they do happen. If you found yourself facing this unusual natural disaster, would you know what to do? After the dust settled, would you know if your existing homeowners insurance would step in to help you pick up the pieces?

The good news is that your policy would likely protect you in the event of a tornado or other kind of serious windstorm. Most homeowners insurance policies offer this type of coverage (although some hurricane prone states like Louisiana, Texas, Hawaii, and Florida have more complicated coverage surrounding wind).

In Nevada, the vast majority of homeowners policies will specifically include wind events. Take the time to read through your policy to ensure you are covered against tornadoes and other windstorms.

In addition to ensuring your policy offers coverage for this specific cause of damage, it is also important to make sure you have enough coverage. Review and update your home inventory and talk to your agent to make sure you have enough personal property protection. That way, a natural disaster of any sort will not leave you facing a major expense.

Windstorms—including tornadoes—are serious dangers, but they do not have to put your quality of life in danger. Talk to your insurance agent today to learn if your homeowners insurance offers the protection you need.

Do you want to talk to an insurance expert about your policy to make sure you have the coverage you need against wind-related natural disasters? If so, do not wait to contact All Nevada Insurance today. We are here to ensure that all Las Vegas homeowners have the protection they need no matter what nature brings our way. Call us for all of your insurance needs!

Tips To Beat The Heat This Summer

Posted on by TheSph3r3

Stay Cool With This Guide

The rising mercury bodes well for your plans to head to the pool, but you might not love it quite as much when you are working in the office or trying to clean your house. Fortunately, there are some things you can do to cool off without blasting your AC – and busting your utility bill budget. Here are a few tips for beating the heat during the hot Nevada summer.

  • Treat Yourself: An ice cream cone is more than just a tasty treat; it can also help you bring your body temperature down. Frozen grapes, cold drinks, and popsicles can also help you keep your cool.
  • Dress Wisely: You might love that chunky blazer, but it is not doing you any favors temperature-wise. Ditch heavier clothing in favor of lightweight, loosely fitting pieces. It is even better if they are light colored, as this will help you reflect the sun’s rays.
  • Close It Up: You might love to wake to the summer sunlight streaming into your home, but you will quickly tire of it as the day heats up. Open your windows in the early morning and evening when the day is coolest, then close them and your blinds during the majority of the daylight hours to keep the cool air in and the hot sun out.
  • Rethink Appliance Usage: Using your oven will heat up your house; opt for your slow cooker instead. Similarly, air dry your clothes to skip using your heat-creating dryer during the hotter months.

We hope these tips help you keep cool this summer! For all of your insurance needs in Las Vegas, contact All Nevada Insurance. While we cannot protect you against the summer sun, we can protect your family’s financial stability with great insurance coverage. Call us today!

Is Home Insurance Enough If Renting Out My Home?

Posted on by TheSph3r3

Coverage For Renting Out Your House

Renting out your house can be a great way to make a little extra money. After all, if you have the house just sitting there unused—whether for a short period or indefinitely—you might as well turn it around to earn an income for you. Before you do, though, it is important you understand what kind of insurance coverage your situation will require.

  • Short-Term Rentals: If you are leaving for a weekend or a couple of weeks and are just hoping to rent out your home for a short period time while you are away this one time, give your home insurance agency a call. Some insurers will allow you to rent out your home without changing your coverage, while others will simply require a rider. If you will be regularly renting out your home for short amounts of time, you may need to talk to your insurer about getting business insurance.
  • Long-Term Rentals: If you plan to have long-term renters in your home, you will be their landlord. It makes sense, then, that you would need a landlord’s insurance policy, which will cover your building and your liability. You should also encourage your tenants to get renters insurance in order to protect all of the belongings they keep in your home, or you could find yourself facing a lawsuit if they get damaged since your landlord’s policy will not cover their personal property.

Getting answers to all of your insurance questions should be easy. To get a team of expert agents who can make getting the information you need a snap, contact All Nevada Insurance in Las Vegas, Nevada. In addition to the help we can offer, we will also take the time to understand your unique situation and ensure you have the right policy for it.