Month: September 2016

Your Guide to Fall Home Maintenance!

Posted on by TheSph3r3
Fall Homeowners Insurance Las Vegas NV

Homeowners, prepare your home for the upcoming autumn season.

While the thought of fall may bring a chill to homeowners, ensuring your property is kept clear of damage in autumn weather is a task to take on now!

With Las Vegas about to face inclement and adverse weather, spare a thought for your home’s health, and add these tasks to your To Do checklist!

Exterior Maintenance 

  • Drain sprinkler systems so that the water does not freeze and burst the pipe.
  • Prune shrubs and trees.
  • Remove debris and leaves from gutters and downspouts to prevent ice damage.
  • Inspect the roof for damage or missing slates.
  • Hire a professional to examine and clean the chimney.

Interior Maintenance

  • Tune up the boiler or furnace before turning it on.
  • Caulk doors and windows that are drafty.
  • Test the batteries in your smoke and carbon dioxide alarms.
  • Hire a professional to check your heating system. These systems will use fuel more efficiently, last longer, and have fewer problems if properly serviced.
  • Change the direction of your ceiling fan to create an upward draft that redistributes warm air from the ceiling.
  • Review your homeowners’ insurance.

As you drain your faucets, don’t drain your wallet. Autumn can bring destruction on a home which can take huge expenses to repair and rebuilding. Homeowners insurance is designed to financially aid home repairs after a named peril, such as fire, theft, vandalism, hail, or a natural disaster.

So that your home is protected throughout the fall and year-round contact All Nevada Insurance today! Our insurance services can protect your home from the autumn weather approaching in Las Vegas, Nevada.

New Homeowner? Read This Safety Guide

Posted on by TheSph3r3
New Homeowner Insurance Las Vegas NV

If you recently moved into a new abode, check out how to keep it safe.

Congratulations! You did it! You successfully navigated the web of paperwork, finances, and inspections and came out with the keys to your new home. The hardest feat is done, but responsible homeownership doesn’t stop there.

Before you begin unpacking and painting rooms, you’ll need to take the necessary steps to protect your dream home. This is a little bit more than locking the front door and de-weeding the front garden.

Don’t let the excitement of a new house cause you to overlook the basics of home safety! Here are the top tips that every new homeowner shouldn’t forget!

Change Your Keys

You don’t know who, or how many people, the past homeowner gave keys to. Don’t chance it – change your locks as soon as moving in to prevent these people from having easy access to your home. Also, remember to reconfigure your garage door code.

Install a Home Security System

A home security system notifies you and authorities if suspicious activity occurs, ensuring that your home is secure whether you’re home or away. With the peace of mind that your home is kept safe alone, you can focus on the task at hand.

Perform Necessary Maintenance

Inspect your property to make sure that everything works as it should. Check outside lights, smoke detectors, carbon monoxide detectors, and window locks. These features all play a part of your family’s ongoing wellbeing and safety. Now is the time to fix and replace anything that is broken, damaged, or not functioning properly.

Don’t Drill Carelessly into Walls

Hanging shelves, closet systems, and artwork means drilling into your walls – but do you know what’s back there? Walls house plumbing pipes, ductwork, wires, and cables. Stud sensors can detect changings in density to sniff out studs, cables, and ducts. However, always take care when drilling into walls – even if the sensor says it’s all clear.

Secure Homeowners Insurance

Homeowners insurance is designed to protect your home in the event of a disaster. Doesn’t your humble home need the protect it deserves? Contact All Nevada Insurance in Las Vegas, Nevada for all of your homeowner’s insurance coverages to protect your new house!

Do You Need Renter’s Insurance?

Posted on by TheSph3r3
Renters Insurance Las Vegas NV

Condo, apartment, house – renter’s insurance is there to protect your belongings.

When you rent a property, you, not your landlord, are responsible for your personal belongings if they’re stolen or damaged. Renters insurance can provide financial aid if your personal property is damaged in a named peril such as fire or theft, as well as providing liability insurance if someone is injured when visiting your home.

If you’re not convinced that you need renter’s insurance, here is a breakdown of renters’ insurance basics!

Coverage
Most insurance policies cover personal belongings, such as furniture, clothing, jewelry, electronics, and appliances, but only up to your policy limits. Be sure update your inventory list of all of the personal possessions along with their estimated value. Your policy should note what losses it covers, such as theft, fire, smoke, explosions and water damage from leaky pipes.

Additional Coverage
Standard policies may limit coverage for such valuable items as jewelry, furs, coin collections, musical instruments, and expensive sporting equipment.

Liability Protection
Renters insurance typically provides liability protection that pays for both the cost of defending you in court and court awards. Note that it will only financially aid you up to the limit that is set on your insurance policy. Therefore, make sure that your limit is not too low before purchasing the policy.

Additional Members
Spouses and immediate family members of the same household will automatically be included in the policy. However, a roommate has to be specifically named in the policy to be covered.

Save Costs!
Who doesn’t want to save money on renters’ insurance? You should consider insuring your car with the same carrier as this often leads to eligibility for a multi-policy discount.

Be sure to contact All Nevada Insurance for a renter’s insurance policy that best suits you and your apartment in Las Vegas, Nevada.

Kick Off the Football Season with Tailgating Safety Tips

Posted on by TheSph3r3
Tailgate Safety Tips

If you’re hosting or attending a tailgate party to kick off the football season, read on for safety tips!

The autumn season is upon us, which means one thing – football season! Tailgating is a great way to get together with friends and other fans before a game to show your team spirit. While tailgating can all be fun and games, there are some important safety tips not to forget. Whether you’re hosting or attending a party, read on!

Food

Nothing will ruin a day at the stadium like food poisoning. Be careful not to cross-contaminate raw and cooked meat, and always ensure that meats are cooked throughout before serving. Wash utensils, cutting boards, and your hands every time raw meat comes in contact with them.

Grilling

If you’re using your trusty barbeque to grill your vegetables, be sure that you have a fire extinguisher handy in case things get out of hand, and that you keep children and pets away from the grill at all times. After you’ve finished grilling your food, douse the hot coals with water and dispose of any hot ash safely.

Driving

Tailgaters are notorious for having too much to drink. If your tailgating party includes alcohol, always secure a designated driver (or a couple) before the party starts. Drinking and driving never mixes well, so stay clear of getting behind the wheel while intoxicated.

Sun

The sun may not be sizzling as it was during summer, but even so, spending hours outside requires certain precautions, namely sunscreen and plenty of water. Lather up in sunscreen before you head out and always have enough water on hand to keep sipping on to prevent dehydration.

You’ve put a lot of thought into game day. Don’t ruin a festive day by being unsafe! For the safety coverage that you need and deserve, contact All Nevada Insurance in Las Vegas, Nevada for all of your insurance services.

What to Do If You Put Wrong Fuel in Your Tank

Posted on by TheSph3r3
Wrong Fuel in Tank

Before you panic, here’s what to do when you put the wrong gas in your car.

It happens to the best of us. Perhaps you’re driving a car you’re not used to, or the pumps weren’t clearly marked at the petrol station, or you had a momentary lapse in concentration, putting the wrong fuel in your car is easy to do.

Once you’ve realized what you’ve done, whether at the pump or in a broken down car, here is exactly what to do before you begin to panic!

Don’t turn on your engine.

If you put diesel into a petrol car, the potential damage isn’t as severe, but it will still cause your engine to smoke a bit or run badly, so it’s best to get the diesel out as soon as possible. If your car normally runs on diesel, wrong petrol will act as a solvent, causing metal parts to grate against each other. Don’t turn on the engine if you can help it, and call a breakdown assistance service.

Calculate how much of the wrong fuel you’ve put in.

Although it’s usually best to drain all of the fuel from your tank when you use the wrong fuel pump, if you realize your mistake while you’re pumping, you may be able to get away with it. If the incorrect fuel takes up less than 10 percent of the tank capacity, you may be able to top up with the correct fuel and drive away. If you’re not sure, always get the entire tank drained.

Call for assistance.

This step is included in the above steps because it is so important! Calling your breakdown service to come and save the day is the best step to getting you back on the road as soon as possible. In addition, the reputable service means that you can prevent any further damage to your car.

Does your auto insurance in Las Vegas provide Roadside Assistance? Contact All Nevada Insurance, serving cities in Nevada, for the reliable car coverage that you need and deserve.

I’m Retired – Do I Need Life Insurance?

Posted on by TheSph3r3
Life Insurance After Retirement

Retirement offers a different lifestyle as well as financial focuses.

Life insurance is designed to protect your spouse and children from suffering financial stress in the case of your untimely death. However, once your children have become self-sufficient, and you and your spouse accumulate significant assets, there’s less of a need to keep paying for life insurance premiums. A commonly asked question is: do retirees need life insurance?

If you’re approaching retirement and the nest is empty, and the mortgage is close to being paid off, should life insurance be a part of your retirement planning?

Here are a few reasons why retirees need life insurance:

Pension replacement. If a significant part of your retirement income is furnished by your pension, you might need life insurance if your spouse or another dependent cannot receive your pension after your death.

Estate planning. Life insurance death benefit could be used to pay estate taxes instead of selling assets at an inopportune time.

Protect against stock market downtowns. A market crash could affect your investments negatively. Cash value life insurance could provide a backup plan if your portfolio value goes down so much that it reduced your income stream and impacted your lifestyle.

Cover unexpected expenses. A cash value policy could help you to pay for unexpected expenses either by withdrawing some of the cash value or by taking a loan against the policy.

Assets for your family. You could use your life insurance death benefits for an even distribution of financial aid for your loved ones.

Life insurance is there to give you peace of mind and to protect your loved ones once you pass. Are you ready to get started on securing the right life insurance policy for your retirement? Contact All Nevada Insurance for all of your Las Vegas, Nevada insurance services.

FAQs (And Answers!) About Health Insurance

Posted on by TheSph3r3
Health Insurance FAQs

Got questions about health insurance? We have the answers!

The Medicare Open Enrollment period is fast approaching us, and around this time every year, questions about health coverage flood. While many think that acquiring healthcare can be lengthy and downright confusing, we aim to take the stress out of the process for you. This way, you can have the peace of mind that you’re protected, as well as obtaining the right coverage for your needs.

What is health insurance?
Health insurance is a contract with an insurance company, which agrees to pay some or all of your medical bills based on your coverage. Most Americans have private health insurance, while others are covered under the public programs, such as Medicare and Medicaid.

Why do I need health insurance?
It’s no secret that health care is expensive today. However, so is treatment. A broken leg can run to $7,500 while a three-day hospital stay can set you back $30,000. Without insurance, one health setback could end up costing you more than you can afford. Regularly paying a set premium for health coverage assures that money will be available to help with the medical expenses.

How do I apply for Medicaid or CHIP?
You can apply in 2 ways: 1) fill out a Marketplace application. 2) apply directly to your state agency.

How do I renew or change my Marketplace coverage for 2016?
If you had a Marketplace insurance plan in 2016, you should’ve received two letters by email or mail (one from your insurance company, one from the Health Insurance Market). These notices should tell you if your plan is available for 2017, if it’s changing, and how much it will cost. If you don’t respond, you’ll automatically be re-enrolled in your 2016 plan for 2017.

Will I pay a penalty if I don’t have health coverage?
Typically, you’ll pay a penalty fee if you don’t have coverage for all or part of the year. For 2016, the fee is $695 per person or 2.5% of your household income, whichever is higher.

For quality health insurance in Las Vegas, Nevada, visit All Nevada Insurance as we provide each individual with the correct policy to suit their needs and budget. Contact us today to get started!