Article Archives

Tips to Reduce Your Debt Before the Holiday Season

Posted on by TheSph3r3

The holiday season is near, bringing forth the idea of what presents to buy for everyone on the list. But the problem is one of saving enough money to buy those presents without driving yourself deeper into debt. Rest assured, you can save money and reduce your debt before it’s time to buy gifts for everyone. Following are some tips to take into consideration when looking for ways to find money:

  • Manage your credit cards wisely. Don’t use more than 30 percent of the balance at any given time, and make as large of a monthly payment as possible. You save money on interest by reducing the principal balance.
  • In the event you have student loans that are stripping your ability to pay, look into one of the available repayment plans that can reduce the monthly payment. It may be possible to get an income-based repayment plan or an extended repayment plan to make your payments lower.
  • Identify the debts with the highest interest rates and work on paying them down first. If that’s too much to tackle, work on paying off the lowest debt first to get them out of the way. Paying off a card can create an incentive to get rid of all debts.

The more debt you eliminate now, the better your saving is going to be.

Are you in the market for an insurance policy in the greater Las Vegas area? Contact All Nevada Insurance today to speak to an agent about your options.

All Nevada Insurance Can Help you Cover Expense of Appliances in Renters or Homeowners Insurance

Posted on by TheSph3r3

Even if you don’t own a home, you may need coverage for appliances you install in it. All Nevada Insurance encourages you to obtain renters insurance for all equipment, especially if you purchased it yourself. 

In addition to insurance for your own belongings, it always helps to have property liability coverage in order to avoid unexpected expenses you cannot afford. Make sure the policy covers the cost of any stove, refrigerator, or other kitchen equipment. Your policy should also provide for expenses accrued because of damages anywhere else in your home. 

Whether you’re at fault or not, you always should have renters insurance if you don’t own a home. If you do hold the deed to where you live, then you would instead acquire homeowner’s insurance.

If you want to learn what type of renters or homeowners insurance you can purchase in Las Vegas, NV, don’t be afraid to contact All Nevada insurance today. You should be careful, but sometimes it’s hard to prevent a fire or other accident one hundred percent of the time. 

 

All Nevada Insurance Will Sponsor Christmas Tree in Opportunity Village’s Magical Forrest

Posted on by TheSph3r3

All Nevada Insurance is preparing to get into the holiday spirit. Our team plans to sponsor our first-ever Christmas tree displayed in this year’s Opportunity Village’s Magical Forrest.

Families and children throughout Nevada can enjoy the Magical Forrest evergreens decorated with bright lights. This enchanting scenery is also accented by tall green- and red-striped candy canes; big, red bows and dazzling ornaments.

Not only that, but both kids and adults can also ride the passenger train or carousel, or play a round of miniature golf. If they wish, they can also watch Rudolph’s Raceway, view the Magical Midway, or listen in on some nighttime entertainment appropriate for all ages.

Oh, but one of the most favorite scenes of all is the Gingerbread House Display, which sits in a complete Winter Wonderland. Of course, the evening wouldn’t be complete without provision of delicious holiday-themed food, which also is provided.

The Magical Forrest attraction will take place November 22, 2013 to January 6, 2014. Sunday through Thursday, it runs from 5:30 pm to 9:00 pm, but Friday and Saturday evenings this attraction stays open until 10 pm.

All Nevada Insurance looks forward to participating in this year’s Magical Forrest event, and we hope to see you there! Beyond that, we also care about your safety. For more information about seeking insurance in Las Vegas, NV, please contact All Nevada Insurance today.

 

Married Couples need to have Homeowner Insurance and Life Insurance Coverage

Posted on by TheSph3r3

Couples planning fall weddings need sound advice from an All Nevada Insurance agent about the types of insurance policies married couples need to own. Couples who plan to buy homes need homeowner insurance coverage to protect their properties from unexpected damages.

An All Nevada Insurance agent can inform couples about the types of homeowner insurance policies offering married couples the best protection. Couples planning to live in apartments in lieu of buying their own homes can buy renters insurance policies for less than $200 per year.

Newly married couples need to have life insurance coverage, especially if the couples plan to have children right away. With babies in the home, chances are greater that only one spouse is going to have a job.

Consequently, it makes common sense for couples to have life insurance coverage offering financial security in case of an accidental or unforeseen death. For more information about receiving the best insurance advice for married couples residing in the Las Vegas, Nevada, area, please contact All Nevada Insurance.

Fun Las Vegas Attractions for the Whole Family

Posted on by TheSph3r3

Even though it has nicknames like "Sin City", Las Vegas can actually be a great family vacation destination. In recent years the city has moved away from just being a gambling and party destination to developing attractions centered around the American family.

Family Friendly Sights in the Entertainment Capital of the World

  • Circus Circus Adventure Dome and Speedway is a five acre indoor theme park offering thrills and rides for kids of all ages. You can also catch free circus performances all day long and pick form hundreds of arcade and carnival games to enjoy.
  • MGM Grand Lion Habitat boasts an impressive rotation of 20 different lions that visit the gorgeous, state of the art glass enclosure each day. The attraction is free and open 7 days a week from 11am to 7pm. If you’re lucky you can even catch the lions at feeding times around 11:15am and 4:30pm for a real treat.
  • Madame Tussauds Las Vegas is a one of a kind experience the whole family will enjoy. Pose with the figures of you favorite stars from television, movies, music and sports. Purchase your tickets online for special money saving deals and be sure to bring your camera!

For more information on family friendly attractions and events on the strip be sure to visit All Nevada Insurance, we’ve proudly served the Las Vegas community for over 70 years.

Protect your Expensive Wedding Rings with a Jewelry Floater Insurance Policy

Posted on by TheSph3r3

Contact your local All Nevada Insurance agent to make sure you have adequate coverage for your wedding rings. A wedding is a special event you remember for many years, and when you and your spouse exchange wedding rings, you declare your love and affection.

If your wedding rings have monetary values exceeding $1,000, you will probably need to own a  jewelry floater insurance policy in addition to your homeowners policy. If you need a floater policy, have your wedding rings appraised by a jewelry appraiser before you buy the policy.

However, if your wedding rings have values that are less than $1,000, your current homeowners insurance policy may provide enough coverage. Remember that insurance coverage for your wedding rings does not include normal, everyday wear and tear. You cannot receive replacement money for your wedding rings due to scratches incurred while cleaning your home.

Consequently, the best approach is to guard your wedding rings with care. Remove them when using your hands for cleaning, washing dirty dishes or even cooking dinner. For more information about insuring your wedding rings in the Las Vegas, Nevada, area, please contact All Nevada Insurance.

Find Competitive Rates for the Most Expensive Cars to Insure

Posted on by TheSph3r3

Auto insurance is usually confusing and more expensive than most drivers can afford. Fortunately, agents like All Nevada Insurance find the best providers at competitive rates. Find out which cars are the most expensive to insure and where to get the best policies.

There is a science to why insurance costs more for some cars and not others. By far, SUVs rank the lowest in auto insurance premiums and likely because of the high safety factor in these vehicles. Providers review the max speed of a car and how appealing it is to thieves before quoting a rate. Generally, luxury cars like a Mercedes-Benz cost more to cover because the value is higher than a Honda. Supercars with faster speeds are more dangerous and pose higher risks for accidents.

Aside from speed and cost of the car, auto insurance premiums are higher for exclusive or collector automobiles. For instance, a classic 1970 Bonneville costs more to insure than a 2013 Nissan Murano because of how rare it is and is challenging to find parts and experts to repair. For more about competitive auto insurance rates in the state of Nevada, contact All Nevada Insurance now.

How and Why to Use Mobile Proof of Insurance

Posted on by TheSph3r3

Mobile devices are the new wave of technology and make just about everything more convenient than before. Now it is easier than before to show your proof of auto insurance when you get pulled over by police. This is beneficial for drivers who forgot to bring their insurance card or simply do not want this information accessible in the car. Now you will not have to get a ticket because you left your proof of auto insurance at home.

New regulations allow drivers to show proof of insurance without the paper copy. You can still use the physical copy if you wish but if a car thief steals your car, they also have your personal information. Many drivers get pulled over then realize they did not replace the new insurance card after renewal. But with mobile proof of auto insurance, you still have a backup copy wherever you go.

Drivers who want convenient mobile proof of coverage should choose an agent who has access to this service. Ask agents at All Nevada Insurance and see if you can use your mobile phone as proof of auto insurance in all of Nevada.

Wind Damage to Homes in the Las Vegas Area Warrants Homeowners Insurance Coverage

Posted on by TheSph3r3

If you live in an area that experiences severe wind storms, hurricanes or tornadoes, you may want to know if your homeowners insurance policy covers wind damage to your home. All Nevada Insurance provides homeowners insurance that covers wind damage.

If you feel you need an extra wind damage policy in addition to the coverage provided in your homeowners insurance policy, you may want to buy a Wind and Hail add-on. Insuring your home with a homeowners insurance policy means you will not need to pay for repairs or replacement costs in the event that a wind storm damages your house.

Speak with an All Nevada Insurance agent to find out which type of homeowners insurance coverage offers the best policy for optimal protection of your property. Whether you live in an older home or a brand new home, All Nevada Insurance Homeowners insurance coverage gives you peace of mind in case of unexpected damage due to wind.

Remember that you can always get a quote when you visit the official All Nevada Insurance website. For more information about homeowners insurance coverage and wind damage in the Las Vegas, Nevada, area, please contact All Nevada Insurance.

 

Be Sure to Insure and Winterize Your Boat Properly

Posted on by TheSph3r3

Having a boat can be great fun in the summertime, but it’s not as fun in the winter. Before the weather gets too cold, make sure you winterize your boat. You’ll want to protect it from the elements with a good cover or place it in dry dock. Also, make sure you winterize the engine correctly so you don’t have to worry about damage while it sits through the cooler months.

You also need to have the right insurance on your boat. There’s no need to pay too much, especially when the boat isn’t getting used. Don’t just drop the insurance, though, because you still need to make sure your boat will be protected from damage even when it’s not out on the water. By talking to your agent, you can get great options for minimal expense and keep your boat protected all year long.

For more information on boat insurance as the seasons change in the Las Vegas area, contact All Nevada Insurance today.