Author: TheSph3r3

Going Back to College? Don’t Forget Your Renter’s Insurance!

Posted on by TheSph3r3
Going Back to College? Don’t Forget Your Renter’s Insurance!

Your child is all packed up and ready to head off to college. Do they have the right insurance for the semester ahead?

College season is upon us, and many young adults across the nation are moving out on their own. Whether choosing the dorm life or living off campus with friends, it’s the first time that students start to acquire their own possessions. These include stereos, laptops, printers, tablets, phones, flat screen TVs, and those all-expensive textbooks. In turn, college students should be aware of the assets that they take with them.

Chances are, if a student’s laptop gets stolen, it’ll cost at least $1,000 or more. Typical college students don’t have that kind of cash lying around.

Fortunately, renter’s insurance will step in to cover the costs. Most standard renter’s insurance policies provide three types of coverage:

  • Personal property – A typical policy covers your belongings if they are damaged due to fire, theft, vandalism, smoke, lightning, windstorm, and discharge of water.
  • Liability – This is coverage that insures you if you’re sued. If someone slips and falls on the property, and he/she sues for the cost of medical bills, your liability coverage will help you to pay for this expense.
  • Loss of use – This coverage helps you to pay for another apartment or hotel should you be unable to use your rented property for any reason.

Depending on your situation, you’ll need additional insurance to cover hurricane damage, flood damage, and identity theft protection. Every parent wants to set their child up for success by sending them off to college, protected.

The bottom line is that you need renter’s insurance to safeguard belongings and finances. Contact All Nevada Insurance to get started on the right coverage.

How Do I Choose the Right Home Insurance Deductible?

Posted on by TheSph3r3
How Do I Choose the Right Home Insurance Deductible?

Get the most out of your home insurance with a deductible to suit your needs.

Choosing the right deductible is vital to protecting your home and finances. Every policy has a deductible so every person buying homeowners insurance will have to make this decision (no, there’s no avoiding it!).

Selecting a deductible limit that suits your needs and budget enables your home to stay protected, your money to stay in your pocket, and your belongings to stay safe. In short, what more could you want?

What is a deductible?

A deductible is a total amount that you have to pay out-of-pocket before insurance kicks in. If you have a $1,000 deductible on your home insurance, in the event of an accident or damage from a listed peril, you are responsible for the first $1,000 of accident-related payments, and then the insurance company will handle the rest (up to the policy limit).

There are generally two types of deductibles: a dollar-amount and a percentage based. The difference between them is how your deductible is calculated, and there are a couple of factors depending on how much your home is valued at. Once calculated, the amount a homeowner pays if they file a claim is fixed for the length of that policy.

How to Choose:

When selecting a deductible, you’re really balancing the short-term cost that you can afford (your deductible) and the long-term cost of your policy (your premiums). A higher deductible means lower monthly premiums. But before selecting a high deductible right off the bat, consider if you can afford this high out-of-pocket cost in the event of an accident.

There are other reasons it makes sense to raise your deductible. Every insurance company is different, but typically, if you file a claim, the cost of your premium will rise because, in essence, you’ve become a riskier and costlier homeowner to insure. And the more claims you file, the higher your premium will be!

For help finding the right insurance and deductible for your needs, visit All Nevada Insurance at one of our Nevada locations!

Must Have Home Organization Tools

Posted on by TheSph3r3
Must Have Home Organization Tools

Straighten and smarten up your home through organization techniques.

A home is meant to be a warm and comforting place for you and your family. It’s your Home Sweet Home after all, right? What happens when the house declines into an unsightly mess? If you need to pull on your cleaning gloves and start to eliminate the clutter, the time to do so is now! While spring has passed, the season of organization is yearlong. The last thing you want to do is end up with more clutter and a shoddy-looking home.

Whether your home needs a quick tidying or some serious elbow grease, here are some must-have home organizational tools for every house!

A Landing Strip

We all need a place to drop our keys, phone, wallet, credit card, and mail as soon as we step in the door. Set up a small table or a decorative bowl so that it the pile of belongings doesn’t overwhelm your doorway. The point is to see something when you walk in the door that is beautiful, and that can double as an organizing tool!

Under the Stairs Storage

Do you have space under your stairs suitable for storage? It’s time to put it to use! No, we’re not talking about making room for Harry Potter; a space under the stairs is often the most misused space in the home. Store your vacuum, jackets, and other items that can be bulky and in the way!

Cord Control

Many electrical cords can make any space unsightly. Use colorful ties to organize cables for your electronics, home entertainment systems, kitchen appliances, power tools, holiday lights, and more.

Are you ready to find the right franchise opportunity? All Nevada Insurance may just be the right fit for you! Visit us today for more information!

Making Your First Home Insurance Policy Affordable

Posted on by TheSph3r3
First Home Insurance Policy Affordable

Buying a home? Don’t lose money with an over-priced home policy.

After an exhausting process of finding the perfect starter home, buying the first homeowners insurance policy that you can find sounds pretty good. While this is tempting, it’s important not to do this.

Home insurance is just as crucial as securing the right mortgage rate! With this coverage, your beloved home and large investment are kept in great shape for years to come. Even though it’s hard to imagine your sparkling new home in disarray in the aftermath of a natural disaster, accidents happen.

Securing your first homeowners insurance policy doesn’t have to break the bank. Here’s how to keep your first premium at an affordable rate.

Don’t just go for the cheapest policy.
In a ridiculously cheap policy, it’s likely that the coverage will be less than minimal. You’ll need to secure the right amount of protection for the risks to your dwelling, personal belongings, and liability.

Save by bundling your policies.
Many insurers will grant you savings when you purchase multiple policies from them. This way, you can enjoy managing all of your policies under one entity and save money! That’s what we call a win-win.

Understand your coverage limits.
You should always know what exactly is covered in your policy – and what isn’t! If you find gaps in your policy, be sure to call your insurer to learn how you can protect yourself, your finances, and your assets. In many cases, you can increase or decrease your coverage limits, which means that you get the protection levels you want!

Review your credit score.
Not only does a good credit score help you to get a better interest rate on your mortgage, it could also help you to save on your homeowners insurance. If you have less than ideal credit, improve it by spending less, reducing your debt, and paying your bills on time.

Are you ready to find the right franchise opportunity? All Nevada Insurance may just be the right fit for you! Visit us today for more information!

Easy Hacks to Improve Your Car’s Fuel Efficiency

Posted on by TheSph3r3
Improve Your Car’s Fuel Efficiency

Cut down on gas consumption by adopting these fuel-saving habits.

Do you find yourself constantly stopping at the gas station to top up your tank? If so, you may need to reassess your driving habits. Simply driving a little more carefully and cautiously can do wonders for your wallet – and the environment!

Use these tips to conserve fuel while driving.

Empty the trunk. Are you carrying around unnecessary weight? If you have heavy golf clubs in the trunk, your car will need to use more fuel to haul the goods. If you can, remove your heavy items before a journey to conserve gas.

Accelerate smoothly. The perfect way to travel is at a constant speed (ideally around 50mph). If you are a patient driver who accelerates slowly, you will have lower fuel bills. The car uses more gas when you step on the accelerator, as opposed to gently accelerating. 

Check the tire pressures. The lower the tire pressure, the more fuel the car needs to move it down the road. Especially in the cooler weather, check your tires often to ensure that they are within 5 psi of the recommended levels from the manufacturer.

Stick to the speed limit. Driving at 50mpg is more economical to your wallet than driving at 70mpg. Even if you have to set off 20 minutes earlier, opt to stick to speed limits and slow down instead of paying out at the petrol pump! 

Make fewer trips. This is obvious, but it is so frequently overlooked. Driving a car that has been parked for a few hours with a cold engine uses much more fuel for the first five or so miles. Ideally, combine all of your daily errands into one trip so that you’re not making several short journeys, which use up more fuel.

Are you ready to find the right franchise opportunity? All Nevada Insurance may just be the right fit for you! Visit us today for more information!

Household Items You Should Be Recycling

Posted on by TheSph3r3
Household Items You Should Be Recycling

Recycling is easier than ever – check out top household items to always recycle.

The average person in the United States generates around 4.5 pounds of waste every single day! Times that by 300 million and you can see why litter has become a serious problem in this country. Recycling saves valuable space in landfills as well as supplying resources to be used again. While every business and individual should be playing their part to go greener, homeowners should take note that these top household items to always recycle are often overlooked.

  1. Junk mail – You can recycle most of the mail that comes into your home. Make it easier by placing a recycling bin next to where you store the incoming post. Even better, get your bills and account updates sent to via email.
  2. Books – Donate or sell old books that you no longer read. You can also recycle books that have been destroyed.
  3. Ink cartridges – Most printer ink cartridges contain toxic materials that do not belong in the trash. Instead of throwing them out, take them to your nearest Staples or Best Buy, where they will take your old ink cartridge for recycling.
  4. Disposable plates and cups – Avoid these wasteful party supplies if you can. If you cannot, always recycle them! You can also shred them and put them underneath your mulch to provide nutrients for your plants.
  5. Household batteries – The toxic material in batteries greatly contribute to pollution, especially when they break down in landfill sites. Many libraries and post offices now collect household batteries for recycling.
  6. Old TVs – If you’ve recently updated your smaller TV to a shiny, new model, the old TV may be sitting in the garage, lifeless. Instead of dumping it in the bin, take it to your nearest e-waste center.
  7. The basics: bottles, cans, paper, plastic, cardboard! Always!

Are you ready to find the right franchise opportunity? All Nevada Insurance may just be the right fit for you! Visit us today for more information!

How to Deal with Small Business Stressors

Posted on by TheSph3r3
Deal with Small Business Stressors

Hard-working business professionals, use these tips to minimize your stress.

As much as you love your small business, being an entrepreneur can actually be harmful to your health. From burning the midnight oil to setting up your business single-handedly, you could be hindering your health.

It’s not surprising when you consider that entrepreneurs work longer hours than almost anyone else. Two-thirds of small business owners work over 40 hours a week, and one in ten put in a staggering 70 hours or more.

Be sure to put in the hours to revitalize your health and restore your sanity with these nifty tips!

Stop saying yes. As a small business owner, there’s a misconception that you must do everything in your power to be successful. While that is sometimes true, you can easily take on too much and run yourself into the ground – and possibly your company. Don’t let failure be an option; learn to say ‘no’ before signing yourself up for more work than you can handle.

Delegate tasks. You employ a team of staff – so use them! Instead of putting more onto your plate, delegate tasks to your specialized staff and trust that they’ll get it done correctly. This works wonders in taking a huge weight off your shoulders.

Unplug. When you have a day off, make it a day away from the office entirely! Don’t check your work emails every five minutes or call into the office to make sure that things are running smoothly. Take a load off and relax! For maximum stress reduction, spend quality time with friends and family.

Are you ready to find the right franchise opportunity? All Nevada Insurance may just be the right fit for you! Visit us today for more information!

How to Make Your Summer Parties the Best Yet!

Posted on by TheSph3r3
Make Your Summer Parties the Best Yet

Hosting a summer party? Read on for party-approved tips. 

The warm weather inspires plenty of great get-togethers, from family gatherings to block parties. If you’re hosting this summer, you should aim to wow! Sometimes, vacuuming and putting out brightly colored napkins isn’t enough to impress. Are you stumped for ideas on how to transform your summer party into one to remember?

Here are some tips to get you started!

Take it outside. Summer is no time to keep your guests cooped up indoors. Ditch the dining room table and take the party outside. Your guests will have more room to play corn hole, sit back and relax, and enjoy the sunshine! If you don’t have a big outdoor space, utilize your patio or move your party to a local park.

Light the night. Use different lighting to set the mood and create a scene that’s sure to impress your visitors! Create light by adding lanterns to your patio, string lights, and candles to your deck. This is sure to create a look that’s simply breathtaking. Remember to always check the lights for damage before plugging them in, and keep an eye on candles at all times.

Get playful! Guests will only mingle for so long before it gets tiresome. At this point, you can start a badminton tournament, corn hole, and bocce to get guests talking and having fun. Games are great icebreakers and go a long way to get people talking!

Stoke up the fire. Once the sun sets, end the evening with a bonfire. Make things cozy by bringing out blankets and pillows, and enjoy stories around the fire pit.

Don’t forget the food. One of the best things about summer is the colorful and abundant fruits and vegetables! For your party, grill veggie skewers, toss together colorful salads and finish with a sweet fruit salad.

Are you ready to find the right franchise opportunity? All Nevada Insurance may just be the right fit for you! Visit us today for more information!

Tips to Help You Buy Auto Insurance for Your Teen

Posted on by TheSph3r3
Help You Buy Auto Insurance for Your Teen

Keep your children safe on the road by enforcing good driving habits and reliable protection.

The time has come for your teenager to take the wheel. Before you let them into the driver’s seat, it’s important to ensure that your child is ready to stay safe on the roads. It’s no secret that teenagers cost more to insure on any auto insurance policy. Their inexperience on the roads can result in accidents, as well as their daredevil need for speed.  Any parent can add their qualified teenager to their car insurance policy to receive reliable protection.

Passing the keys to your teenage driver is a monumental moment for yourself and your child. Doing this results in the addition of your child to the family car, or their own car’s, auto insurance policy.

Here’s what you need to know about the process:

When: Most insurance companies must be informed when your teen is driving your car with a permit. Once your teen passes the test and has a license in hand, you must add them to the policy.

What: Note that a car of less value, or one with numerous safety features, will be cheaper to insure than a flashy, expensive car. A teen’s first car is going to get dinged and dented quickly, more often than not, so start them out on a safe second-hand car.

Behaviors: Encourage your child to remember the rules of the road and safe driving practices even after they have passed their test. A successful way to do this is to set a passenger limit, never let them use a phone while driving, and regularly drive with them to watch for bad habits developing.

Feedback: To keep an eye on your teen’s driving behavior, you can add a monitoring system to your teen’s car. This tracks certain aspects of driving such as speeding, seat belt usage, hard breaking, and arrival and departure time. This feature could reduce your auto insurance premium.

Savings: While your auto insurance rate will increase when adding your teen, you can control how much it goes up. Look for savings with Good Student Discounts!

Are you ready to find the right franchise opportunity? All Nevada Insurance may just be the right fit for you! Visit us today for more information!

Healthy Office Snack Idea – Natural Smoothie That Heals the Gut & Boosts Energy

Posted on by TheSph3r3

Make these delicious green smoothies to keep you healthy and energized all day long.

As summer comes to an end, it means less time being spent outside and less daily exercise. Luckily there exist some foods that naturally boost our energy and even clean and keep our gut healthy. Smoothies are a great way to ingest these foods because they are easy to take with you on-the-go, and you can cram a lot of nutrition into every glass. Making the perfect smoothie is subjective, of course, but we find that blending the ingredients well, and keeping it simple usually get the trick done.

Gut-Healing Green Smoothie (Serves 2)

  • 1/2 avocado
  • 1 banana (frozen, if you want)
  • 1 tablespoon chia seeds
  • 2 tablespoons of ground flaxseeds
  • 2 cups of kale leaves
  • 2 1/2 cups of water
  • 4 tablespoons of hemp seeds

Nutritionally Packed Green Smoothie (Serves 2)

  • 1 cucumber (chopped)
  • 1 lemon (juiced)
  • 1 tablespoon ginger (peeled and grated)
  • 1 tablespoon ground flaxseed
  • 1 1/2 cups of water or almond milk
  • 2 pears (peeled and chopped)
  • 4 cups of kale leafs
  • 5 ice cubes

Post-Workout Green Smoothie (Serves 2)

  • 1/2 of an avocado
  • 1 banana (frozen, if you wish)
  • 2 cups of baby spinach
  • 2 scoops of protein powder
  • 2 cups of cold water or almond milk

The best way to prepare these ingredients is to place them inside of the blender and mix until it is smooth and creamy. If you like pulp, then mix it for less time to get the little pieces of fruits and vegetables swimming around.

While eating right and drinking green smoothies can definitely help your health, it’s important to know that you are financially covered in case something does go wrong, and you’re forced to go to the hospital. Does your health insurance include preventive services that fit your needs? Contact All Nevada Insurance.