Month: December 2016

New Year, New Smarter Insurance Resolutions

Posted on by TheSph3r3
Insurance Resolutions

Next year, make your insurance plans work for you!

The impending New Year is a time when many people pledge to lose weight, save more money, and be more organized. However, mid-year (or mid-January, depending on how strong-minded you are), exercise equipment gathers dust and bank savings are depleted. These are familiar signs of the way New Year’s resolutions are quickly abandoned.

There are a few resolutions that you’ll not only want to make but be prudent about, all revolving around insurance! Maintaining insurance policies suited for you allow you to save money, be protected, and have peace of mind.

To make 2017 your best year yet, here are some New Year’s resolutions to help you fine-tune your insurance policies:

See if you’re eligible for discounts
Premiums are calculated on the level of risk an insurance company must take to provide you with coverage, but there are steps you may be able to take to reduce those risks. For example, even the simple task of installing burglar alarms in your home means that your house is better equipped for breaking and entering, thus lowering your homeowners insurance premium. Also, if you have teenage drivers who are in school, they may qualify for a Good Student Discount on their car insurance.

Update your home inventory list
A comprehensive home inventory catalog allows your home and belongings to be recovered, rebuilt, and replaced after a loss. Therefore, a full home inventory can help you replace your belongings after a loss, and accurate records make it less likely that there will be a dispute between you and your homeowners insurance company during the claims process.

Repair gaps in coverage
One of the quickest ways to make your heart sink is to file a claim after a loss, then find out that you don’t have the right coverage. Certain high-value items exceed homeowners insurance coverage. This means that if damage or loss occurs, you would be left footing the bill. To cover your items, you should ensure that their value doesn’t exceed the monetary limit on your homeowners insurance policy or add additional insurance.

A New Year is a new start and a time to start over. Committing yourself to these resolutions can help provide you with peace of mind, protection, and save you money! To get started in securing the right insurance policies for your New Year ahead, visit the Las Vegas professionals, All Nevada Insurance today.

Whip Up These Holiday Cookies for Your Holiday!

Posted on by TheSph3r3
Holiday Cookie Recipe

Whether it’s the reindeer or Santa who gets to enjoy them, these festive cookies are a treat!

Holiday cookies are a quintessential part of childhood memories and a tradition that never gets old during this time of year! Along with that, a big batch is also set-aside for Santa Claus, the night before Christmas.

To make your holiday cookies some of the best yet, choose to make these soft and chewy gingerbread cookies!

Ingredients

  • 2 cups gluten-free all-purpose flour
  • ½ tsp. baking soda
  • 1 tsp. baking powder
  • ½ tsp. sea salt
  • ½ tsp. nutmeg, ground
  • ½ tsp. cloves, ground
  • 1 tsp. cinnamon, ground
  • 1 tsp. ginger, ground
  • ¼ cup sunflower oil
  • ¾ cup cane sugar
  • ¼ cup molasses
  • ¼ cup almond milk

Preparation

  1. In a large bowl, whisk together gluten-free flour, baking soda, baking powder, salt, nutmeg, cloves, cinnamon, and ginger. Set aside.
  2. In another large bowl, beat sunflower oil and sugar together for 2 minutes.
  3. To the oil/sugar mixture, add the molasses and almond milk. Continue to mix for 1 minute.
  4. Add the dry ingredients, about 1/3 at a time until stiff dough is formed.
  5. Make the dough into a disk shape, wrap in plastic wrap and refrigerate for 2 hours, or overnight.
  6. Preheat oven to 350 degrees F.
  7. Line a baking sheet with parchment paper.
  8. Using a melon baller or about 1/2 ~ 3/4 Tbsp. of dough, roll dough into balls of approximately equal size and slightly flatten into a disk shape. Place onto the baking sheet spaced 2 inches apart.

For the best treat for Santa (and his helpers!), add a tall glass of almond milk.

From the professionals at All Nevada Insurance, we wish you a happy holiday! To secure all of your insurance needs for the New Year, give us a call in Las Vegas, Nevada today.

Life Insurance Mistakes to Avoid When Purchasing a Policy

Posted on by TheSph3r3
Life Insurance Mistakes

Are you in the market for life insurance? Don’t make these mistakes.

Life insurance exists to protect and provide for your family in the event of your death. Life insurance can be complicated, but that is no reason not to persevere to find the right policy. As there are different options of coverage available, there are some common misconceptions about purchasing life insurance policies. This can quickly lead to people being underinsured, having the wrong coverage, and experiencing a decline in living standards.

Eager to avoid frequent mistakes? Read on.

Not Buying Enough Coverage

Many people are unsure of how much life insurance is sufficient to protect the ones they leave behind. Many studies show that U.S. households are underinsured, making it essential to pair with a reliable insurance agent to ensure quality coverage. When filling out a life insurance policy application and determining how much life insurance you need to purchase, consider buying enough to cover the burial, remaining debt, children’s care and education, mortgage payments, and retirement security.

Lying on Your Application

Generally, those with better health have lower insurance premiums. While it’s tempting to make yourself out to be someone in ideal health for the opportunity to save money, it will soon backfire. You often need a physical exam before an insurance company provides you with insurance, so it’s best to tell the truth now before getting caught out later on.

Forgetting to Review or Update the Policy

A life insurance policy should not be written and forgotten until a tragic event. Many life events warrant a review of life insurance – so be sure to perform an annual review and update as needed!

Are you ready to get started with the right policy to suit your needs and budget? Contact the professionals at All Nevada Insurance to secure your Las Vegas, Nevada life insurance today!

Everything You Need to Know About Smoke Alarms

Posted on by TheSph3r3
Smoke Alarms Home Insurance

Stumped about smoke alarms? Here’s what you need to know.

There are many things that homeowners do to protect the house. In addition to locking the doors every night to cleaning out the gutters every fall, installing and maintaining smoke alarms plays a significant role in home safety.

There are many different features of a fire alarm that can make it tricky to choose the right one. Here’s what you need to know!

Power

Smoke alarms can be battery operated, electrically powered, or both. You can install an alarm that runs on electricity, but you should have a battery backup just in case of power outages.

Location

You should install smoke alarms on every floor of your home, especially outside of sleeping areas. Smoke rises, so it’s best to install them on the ceilings, otherwise, as high up on the wall as possible. Avoid putting alarms too close to bathrooms and kitchen appliances that produce steam and small amounts of smoke.

Testing

You need to check smoke detectors monthly by pressing the ‘test’ button to make sure they still work. If they don’t, change the battery and test it again. If it’s still not working, it may be time to replace your alarm.

Batteries

Change batteries at least once a year, or whenever the low-battery warning goes off. Don’t take the batteries out of your detector to use elsewhere. If a fire occurs, without that alarm, you and your family may not have enough time to escape!

To best protect your home from financial ruin and damage, secure the right homeowners insurance policy today! Visit All Nevada Insurance, serving Las Vegas, Nevada with quality insurance coverage today.

Common Car Seat Questions – Answered!

Posted on by TheSph3r3
Car Seat Auto Insurnace

What you need to know about car seat safety.

New parents have a lot on their mind. With new responsibilities and tasks that come with newfound parenthood, some of us feel completely overwhelmed when it comes to the important things, such as car seat selection, installation, and proper usage. It’s important to remember that you’re not alone in this instance.

To cover what you need to know about car seat queries, we’ve compiled a list of common car seat questions, along with the answers!

Where is the safest place to install a car seat?

Typically, the center rear seat is the safest place for a car seat. If possible, use the lower anchors and tethers to attach the car seat. If your car doesn’t have a latch connector for a middle seat, you can use the middle seat belt to secure the base properly. When installing, press down firmly on the car seat base and tighten the belt to ensure that it does not move more than an inch from side to side.

How can I be sure that my child is secure?

It’s important to keep the harness snug around your baby when in the vehicle. You can perform the ‘pinch test’ to determine if you’ve tightened it enough: if you can pinch the harness straps at the shoulder and can gather material, it’s too loose. Make sure to cinch it down.

How long can I keep a car seat?

Believe it or not, but car seats expire. This is a particularly good reason not to hang onto a car seat for too long. Similarly, it’s a compelling reason not to buy a second-hand car seat. Check the expiration date to confirm that the seat is safe for your child. You can typically find this date on the back or the side of the car seat.

With a brand new bundle of joy comes new responsibilities and priorities. To ensure that your insurance policies cover your loved ones, assets, and finances, contact the team at All Nevada Insurance. We serve Las Vegas, Nevada with the quality coverage that you need and deserve.

Safe Driving Tips for Winter Roads

Posted on by TheSph3r3
Winter Driving Safety

Adverse weather, dark days, and cooler weather – handle driving through it all with these safety tips.

Driving in the winter is very different than in other times of the year. The weather and reduced visibility make it much harder for the motorist to commute without any trouble. Sometimes conditions can be extreme, as we have found over the recent winters. Because of this, we need to adapt the way we drive and how we maintain our vehicles.

Read on for the essential safety tips for this year’s winter roads!

Prepare Your Vehicle

It’s a good idea to have your vehicle fully serviced before winter starts and have the antifreeze tested. If you can’t have it serviced, do your own checks.

  • Make sure the lights are clean and in working condition.
  • Charge the battery if necessary.
  • Check that the tires’ tread and pressure are in good condition.
  • Be sure that the brakes are working well.
  • Test the windscreen wiper blades.
  • Top up fluids, such as antifreeze, oil, and windscreen wash.

Driving in Winter Weather

If you find yourself driving in hazardous weather, adapt your driving with these tips:

  • Reduce your speed. The chances of you skidding are much greater and your stopping distance increases dramatically when you speed.
  • Only travel at a speed at which you can stop promptly. Speed limits are the maximum in ideal conditions. In difficult conditions, they can often be too high to travel.
  • Avoid hard braking and acceleration, or sharp steering.
  • Road surfaces may be wet. Take care when driving after it has rained, as oil can lie on the surface.
  • Use your headlights during dusk and dawn to see and be seen by other vehicles on the road.

Don’t wait until you have a seasonal disaster to find out that your auto insurance coverage doesn’t cover the incident. Talk to the professionals at All Nevada Insurance to secure a reliable policy to suit your needs and budget.

Decorating Safety Tips for the Holiday Season!

Posted on by TheSph3r3
Holiday Decoration Safety

The season of festivity is here. String your lights and hang your holly safely!

Whether you celebrate Christmas, Hanukkah, or Kwanza, you’ll know that the month of December can be a hectic time! There are presents to buy and wrap, feasts to cook, and festivities to hold. But before you hang up the holly and put up your tree, take some time to prepare your house for the season. Use these tips to decorate your home safely!

Choose a safe spot for your tree. If you are purchasing a live tree this year, you’ll want to pick a safe area to place it. Keep it far away from heat sources and out of the way of hallways with high traffic. It’s best to keep a fire extinguisher near your tree as live ones are highly flammable due to the needles and sap.

Water the tree. A dry tree catches fire a lot easier than one that has been watered properly. Check the water level every day to ensure proper hydration and aim to start with a green tree, to begin with!

Get a fake one. If you buy an artificial tree, make sure it’s labeled ‘fire-resistant.’

Light it up. Only use indoor lights inside the house, and outside ones on the exterior of the house. Before you string them up, check to see if the sets have any frayed wires or broken lights. If so, replace the set!

Turn it off. Use a timer or turn off lights before going to bed or leaving the house. It’s best not to take the chance of lighting your house up while you pop out to the store to stock up on gifts!

Don’t overload it. Use heavy-duty extension cords, and avoid overloading the outlets. Prevent tripping by placing cords and decorations in low-traffic areas where they won’t be walked on.

Keep these holiday decoration safety tips in mind while you hang your stockings with care. Don’t get caught out this season, contact the professionals at All Nevada Insurance for the homeowners insurance to protect your house throughout the season and beyond in Las Vegas, Nevada.