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Is Your Engagement Ring Insured?

Posted on by TheSph3r3
Is Your Engagement Ring Insured?

Insuring Valuable and Sentimental Jewelry

While insurance isn’t the most romantic topic, beyond a house and a car, an engagement ring could very well be the next big investment people make. If you take into account the famous diamond dealer’s dictum of ‘two month’s salary,’ then you know that the average engagement ring can cost a lofty couple thousand dollars.

While no one wants to consider the things that could mar the perfect happiness of getting engaged to a loved one, the thing is, anything can happen. From theft to damage from a disaster, engagement rings aren’t invincible. The best course of action is to be prepared for anything. This is why, in the midst of all the engagement excitement and happiness, you should consider purchasing insurance for your engagement ring.

Check Claim Limits

Review your current homeowners or renter’s insurance policy. Your policy documents should be able to tell you what your individual item claim limits are. Depending on your limits and how much you spent on the ring, you may need to secure additional coverage to protect it.

Get Your Ring Valued

Most people are probably unsure of what their engagement ring is worth. Don’t mistake the worth for the price tag you paid, either. Get a couple of jewelers to provide you with written quotes. This is a sensible step to take for any jewelry you own that you suspect is of considerable value, not just engagement rings.

Secure Additional Coverage

If the engagement ring is more valuable than what your insurance policy provides coverage for, you will need to raise the limits of your current policy or consider getting a rider. A rider will ensure that your ring is safely protected and that it does not exceed your current policy.

Ensure you insure that bling! To get started, contact All Nevada Insurance for a free quote.

How to Combat Sitting Down All Day

Posted on by TheSph3r3
How to Combat Sitting Down All Day

Take a Stand for Your Health 

If you work at a desk, you may find that sitting down all day can wreak havoc on your body. Whether it’s lower back pain, wrist pain, a really tight neck, or a lack of mobility, when we spend all day at a desk to pay the bills, our bodies often get stuck picking up the tab. With the dangers of sitting down all day hitting the news, you should make sure that you are doing all you can to combat sitting down all day.

Reorganize Your Desk

If you work at a desk job, you probably spend more time at your desk than you do at anything else. While desk jobs may not seem physically taxing, they can certainly cause is physical problems. Ensure that your chair is at the proper height, your computer is at eye level, and your back is straight.

Sit on a Stability Ball

Sitting on a stability ball instead of an office chair can be an easy way to increase activity. To sit balanced on the ball, you must engage your core muscles.

Stretch Often

Sitting down can wear on your hips and spine. Set a reminder for a couple of times a day to get up and stretch. Reach up and then bend at the hips to touch the floor. Lunges and shoulder rolls are also good stretches to perform to open up tight tips and tense shoulders.

Take a Stand

Standing desks keep employees on their feet, instead of planted in their chairs. Even if your office doesn’t have a standing desk, all you need is a stable box placed on top of the desk in order to stand and work. Take a phone call standing and walk around the office. If possible, opt for a treadmill desk that will keep you moving while working!

Walk More

An easy way to include more activity in your workday is by walking. Suggest walking meetings instead of sitting in the conference room. Instead of sending a colleague an email, get up and walk over to their desk. Take the stairs instead of the escalator. Getting active doesn’t have to be big – but it should happen often.

Rest easy knowing that your finances are safe and protected. Visit All Nevada Insurance for the reliable insurance policies you need and deserve.

What You Should Know Before Buying a Used Motorcycle

Posted on by TheSph3r3
What You Should Know Before Buying a Used Motorcycle

Tips for Buying a Second-Hand Motorcycle

The spring will soon be here and, finally, you’re ready to buy that second-hand motorcycle you’ve always wanted. Used motorcycles are plenty in the spring months. If you’re smart, you can still find the bike of your dreams at a good price. Before you start looking, check out what you should know about buying a used motorcycle.

Do Some Background Research

There are many different makes and models of motorcycles. Have a quick look at the typical value of older bikes, keeping in mind that the older it is, the more the value will have depreciated. This will give you a good idea of how much you should be paying. 

Do a Thorough Visual Inspection

Look for misaligned body parts and mismatched colors. Open the gas cap and look inside the tank for possible rust and corrosion. Look closely for scratches under the paint, especially on a black frame. Check the undersides and ensure everything looks as it should from front to rear.

Test for Leaks

Look under the engine and, if applicable, the radiator for signs of escaping fluids. Don’t just check for puddles under the bike, either, the seller may have rolled the bike to a spot-free location before you arrived. Run a finger along the underside of the engine, especially along gasket surfaces to detect signs of leakage.

Test Drive It

Start the engine and listen for loud, unusual noises such as heavy knocks, excessive valve clutter, and odd rumbling sounds. Don’t accept the “they all do that” explanation, either. When driving, try to see if the bike wants to pull to one side when driving in a straight line. Test the brakes for poor stopping ability or other issues.

If you bought a used vehicle, you’ll need to properly insure it! Protecting your motorcycle comes easy to the insurance professionals at All Nevada Insurance. Keep your motorcycle protected with quality insurance in Las Vegas, Nevada today by giving us a call.

Are you looking to create more income and become your own boss?

Posted on by TheSph3r3

I am looking to create more income and be my own boss!! Great! We have the perfect business model for you.  At All Nevada Insurance we offer you the opportunity to create a residual income.  That means this is not a one-time sale that only pays you when you make the sale, but every time the policy renews, you make a commission.  Imagine how long you have been with your insurance company.  Every time your policy renewed, your agent got paid.  Would you like that agent to be you?  Just think of how many people you know that drive a car or live in a home.  We are in an industry where the people need us.  Find out more about how to become a franchise owner with All Nevada Insurance.  Visit us at www.ANIfranchise.com.

How to Keep Your New Year’s Resolutions

Posted on by TheSph3r3
How to Keep Your New Year’s Resolutions

Stick with your resolutions and achieve your goals in the New Year.

Another year is ending, and many of us are gathering up our willpower for our New Year’s resolutions. Whether it’s to lose weight, save money, be healthier, or all three, many of us choose the same old resolutions. But have we learned from previous experience? A larger number, if not the majority, or previous resolutions were broken in weeks. Fortunately, with these tips, you can make this set of resolutions that much more successful.

Keep it simple.

Don’t overwhelm yourself with too many resolutions! Some people aim for a complete overhaul of their entire lifestyle, and this is often rarely realistic. The best approach is to focus clearly on one or two of your most important goals.

Be realistic.

Don’t aim too high or ignore reality. Consider your previous experience with resolutions and assess what led to the failure of them. It may be that you didn’t lose weight because you didn’t make time for the gym and didn’t learn the ins and outs of a healthy diet. Consider what went wrong and ensure that your goals are entirely achievable with a bit of patience and consistency.

Start small.

Break down goals into sizeable chunks. The more planning you do now, the more likely you are to get there in the end. The planning process is when you build up that willpower which you will undoubtedly need to fall back on along the way. Narrow down your goals into achievable tasks – such as going for a run once a week or saving $50 a month. Putting figures into goals makes it much more real.

Leverage resources.

Let’s face it – there’s an app for everything! If you’re glued to your smartphone, make sure that you use it to help achieve your goals this year. Whether it’s a fitness app, financial planner, or even a daily task reminder, you can put technology to use.

Tell your friends and family.

If you tell people around you, you’re more likely to stick with your goals. Carefully choose those people around you who have shown themselves to be trustworthy to support you in this endeavor. Let them know of ways they can help when the going gets tough.

The team at All Nevada Insurance wishes you all the success! Is your goal to start a new franchise or receive the right insurance protection? We can help! Contact us today to learn more.

Why to Review Your Insurance Policies at the End of the Year

Posted on by TheSph3r3
Why to Review Your Insurance Policies at the End of the Year

What to look out for when you’re reviewing your insurance policies.

The end of the year lends itself to insurance policy reviews. As well as the festivities and the parties, policyholders should carve out some time at the end of the year to review their coverage, check their limits and deductibles, and update their insurance. Fear not – this process doesn’t have to take hours of your time. We’ve created a list of what you should look out for when reviewing your policies.

Home Insurance

  • Have you remodeled your home recently? If you’ve made a major update to the property, such as getting a new kitchen or adding a master suite, update your homeowners insurance. If the value of your property increases, your insurance will need to increase to cover the whole home’s worth.
  • Now is the time to update your home inventory with all of those precious gifts that you received during the holidays! If you were gifted with precious items such as jewelry, antiques, artwork, musical instruments, and other high-value items, you might need additional coverage to protect these belongings.
  • Did you adopt a dog for the holidays? Certain dog breeds require higher liability limits.

Auto Insurance

  • Did you purchase a new vehicle this year? Consider adding on uninsured/underinsured motorist insurance, which protects your new vehicle against hit and runs, and from getting into accidents with motorists who have little or no insurance.
  • If you’ve paid off the loan on your older vehicle, it could be time to raise your deductible or drop comprehensive and collision coverage. Find out the value of your vehicle before you decide to drop coverage to ensure it’s worth it.

 Do you need help selecting personal insurance policies? Before the year is up, give All Nevada Insurance a call – Our team of experts can help you determine what policies, deductibles, limits, and premiums are right for your needs so that you can enter the New Year worry-free. Visit us today for more information.

Would you like to make a difference in the lives of others?

Posted on by TheSph3r3

Would you like to make a difference in the lives of others? Do you want a career that has meaning? Do you have an entrepreneurial spirit? Are you someone that wants to take control of your own destination with time and finances?  You may be looking to be a part of the All Nevada Insurance family.  Our franchise system is turnkey.  We coach you into being an insurance agent and business owner from the moment you decide you want to be a franchisee.  Find out more about who we are and what we are up to:  www.ANIfranchise.com.

How to Shut Off Utilities in an Emergency

Posted on by TheSph3r3
How to Shut Off Utilities in an Emergency

In case of emergency, know how to shut off utilities.

With storm season upon us, it’s important for homeowners to be prepared. In case of a disaster of any type, it may be necessary to learn how to shut off utilities to avoid further damage to your family or your home.

How to Shut Off Natural Gas

It’s wise to be familiar with the look and sound of your gas meter under everyday conditions, as this will help to determine what is unusual. Ensure that you also know where the shut-off valve is located. Because of different homes and different gas meter configurations, shut-off procedures vary. However, it is likely that you’ll need an adjustable pipe or crescent wrench to perform the task.

Contact your gas company in advance to help you determine what your home requires, along with the procedure to shut off the gas. It may be a good idea to have easy-to-read instructions somewhere near the gas meter. If you smell gas or hear a hissing noise, get everyone out of your house immediately and contact your gas company.

How to Shut Off Water

The water line that enters your home will likely have an easily recognizable shut-off value. It will typically be in the basement, on an exterior wall or near your water meter. Shut it off by turning the valve clockwise until it can’t turn anymore. If you have trouble, contact a local plumber or your area water utility for assistance. Consider labeling the water valve with a colored identification tab to ensure the right valve is clear.

 How to Shut Off Electricity

Electrical sparks have the potential of igniting natural gas if it is leaking. To shut off the electricity, locate your electrical circuit box, and flip the ‘main’ circuit breaker located inside the electrical panel (this is usually at the top).

Knowing how to locate and turn off the utilities in your home can stand you in good stead in the event of an emergency. For the right protection your home needs and deserves in the form of a homeowners insurance policy, contact All Nevada Insurance.

Is Life Insurance Still an Asset for the 50+?

Posted on by TheSph3r3
Is Life Insurance Still an Asset for the 50+?

Determine if a life insurance policy is right for seniors.

Most people start their families in their 20s and 30s, and often this is the first time they think about a life insurance policy. Once this coverage is purchased, it’s normal to forget about it and only review it every couple of years. When your circumstances have changed and when your family has grown up, it may be tempting to question the need for a life insurance policy altogether. However, even for seniors, a life insurance policy is a must.

Why Seniors Need Insurance

Life insurance is a great way to ensure that your hard work is preserved and that your beloved family members are taken care of for years to come. If you pass away suddenly, your family members could be responsible for some major expenses, including remaining debts such as mortgage payments, credit card bills, and loans. It will also help to cover funeral and death expenses. Life insurance can also help provide for a special-needs dependent after you are no longer alive to do so.

When Life Insurance for Seniors Doesn’t Make Sense

Life insurance may not always be necessary if most of the following situations apply to you:

  • Your funeral expenses are already covered
  • You have adequate savings set aside for your golden years
  • Your children are no longer financially dependent on you
  • You have paid off all of your debts
  • You have long-term care insurance

Types of Insurance

Both term and permanent life insurance policies are available for seniors, regardless of age. However, there can be some limitations when it comes to buying term life insurance. This is because certain term lengths may no longer be available to you at a certain age. For example, a 75-year-old may not be able to purchase a 20-year term policy but can settle for a 10-year policy for whole life insurance instead.

Are you ready to get started with the right life insurance policy for your needs? Contact All Nevada Insurance.

4th Annual “Swing For Their Kids” Charity Golf Tournament

Posted on by TheSph3r3

On December 2nd, 2017, we had our 4th annual charity golf tournament and it was a great success!  We raised over $10,000 for the kids of fallen officers.  A parent lost cannot be replaced however the child can still be loved.  Our charity is on going all year round so we can continue to offer Christmas gifts to the children left behind.  Please stay up to date with us on our Facebook page at https://www.facebook.com/SwingForTheirKids/ .  Thank you to all those that supported the 2017 fundraiser.