Lifestyle

Does Recreational Insurance Cover all of my Camping Gear?

Posted on by All Nevada Insurance

Camping gear can be costly, especially if you have to replace it. People enjoy camping because it allows them to get away from the hustle and bustle of their everyday lives. In Las Vegas, NV, residents love to explore and camp in the mountains. The agents at All Nevada Insurance, Inc. offer recreational insurance that will help to cover the cost of your camping gear if it is ever damaged or stolen while you are out and about wandering the forests.

Homeowners’ Insurance

Your homeowners’ insurance will often cover your camping gear, even if you have it in a remote location. Typically, this would include your tents, sleeping bags, propane cooking stoves, and other portable camping gear. It’s essential to keep an itemized inventory of all your camping equipment and make sure that your agent also has a copy.

Recreational Insurance

Some types of camping gear may also fall under recreational insurance. If you own an RV or pull-behind camper, your camping gear may be covered under this type of insurance. This could include campfire cooking items, chairs, tables, and awnings. If you own an RV or camper, keep an updated inventory on hand, and give one to your insurance agent as well.

Anyone who loves to go camping knows how valuable their camping gear is. If you live in the Las Vegas, NV area, and are an avid camper, contact the agents of All Nevada Insurance, Inc. They have the information you need on recreational insurance policies and will work with you to make sure all of your camping gear is fully protected. Take a few minutes and call their office today!

Does RV Insurance Cover the Possessions Inside?

Posted on by All Nevada Insurance

Owning an RV in Las Vegas, NV is an open invitation to the world beyond a stationary front door. Instead of having to be greeted with the same view time and time again, you get to choose what you see on any given day. This kind of freedom is precious to RV owners, but it also presents a few problems that they need to account for. Instead of taking certain things for granted, they need to ask how their insurance policy will affect their lifestyle. All Nevada Insurance, Inc. wants you to know more about RV insurance and what exactly it’s made to cover.

The Answer 

The short answer to this question is that it ultimately depends on your policy. Typically, you’ll need to talk to your insurance carrier to ensure that your possessions are covered from theft, vandalism, or damage.

Why It Matters 

For many people, they use their RV insurance as if it’s their home, which is why it’s not unusual to see people buy some home insurance. If you’re going to be taking your RV out for just a day or two every month, though, it’s different from living in it for six months straight. If you’re planning on spending extended time in the RV, you’re likely to take everything from your favorite clothes to your jewelry and electronics. This can ultimately make for hefty replacement fees if you suffer from an unexpected catastrophe. 

If you have questions about RV insurance, call All Nevada Insurance, Inc. today. We’re here to help the people of Las Vegas, NV get answers that will ultimately make it easier for them to enjoy their RV that much more. Whether you’re planning an epic trip or want the option someday, we’re here to chat.

What are the benefits of getting boat insurance in Las Vegas?

Posted on by All Nevada Insurance

The state of Nevada is well known for having some scorching summer days. At the same time, there are many different local lakes and waterways that can be enjoyed if you buy your very own boat. When you are shopping for a boat in the Las Vegas, NV area, you need to remember that you have to get boat insurance as well. Several benefits come when you get boat insurance in this area. 

Ensures Your are Covered for Accidents

One of the main advantages of getting boat insurance in Las Vegas is that you are covered for damages if you are at fault in an accident. While you can be a very safe boat operator, there is always a risk that you could cause an accident. Depending on the accident, the damages could be expensive to cover. The boat insurance policy will give you liability protection for these situations. 

Protects your Boat

Another advantage of boat insurance is that it will protect your boat. If your boat is ever stolen, damaged, or vandalized, paying to replace or repair it could be costly. When you have a boat insurance policy, it will give you coverage for these situations. Many boat lenders will also require you to carry this insurance to ensure you can repair or replace the boat if necessary. 

There are a lot of great reasons to get boat insurance on your Las Vegas, NV area boat. When you are shopping for boat insurance, you should contact the team at All Nevada Insurance, Inc. When you do contact the insurance professionals at All Nevada Insurance, Inc., you can learn a lot more about your insurance options and needs. This will make sure that you and your boat are adequately covered at all times. 

Tips for Working at Home

Posted on by TheSph3r3
Tips for Working at Home

Steps to make working from home more efficient.

Working from home certainly has its benefits: you avoid a commute, you have the freedom to run errands when you need to, and digital tools make it simple to check in with your colleagues. Even so, there are quite a few challenges, too. Being distracted by domestic duties, friends, and family can result in your work suffering. To master the art of working from home successfully, read on.

Establish working hours.

This is the first step to ensuring productivity while working from home. If your employer hasn’t set you hours already, do so for yourself. It’s tempting to give yourself flexibility by sleeping in or taking frequent breaks, but this can only lead to unproductivity in the long run. Set yourself consistent hours to stay accountable to yourself and to your boss.

Identify what needs to get done every day.

You may think you’re less accountable for the work you do when you work from home, but in reality, you should be ensuring all deadlines are met and your work is up to standard because there really is no excuse. By noting what you need to do each day, you give yourself tasks that you need to complete, whether you’re distracted or not.

Get dressed.

It’s tempting to work in your pajamas and slippers, but this could hinder your work. Keep to a regular routine of waking up, showering, and getting dressed – just as you would if you were going to an office. This helps to flip a switch in your brain that you’re in work mode so that you focus on getting your work done.

Create an at-home office.

Sure, the couch is comfier to do work, but this could take a huge toll on your productivity. Just like getting dressed, working from a desk tells your brain that it’s time for work, not relaxation. You are more likely to feel alert and organized if you work at a desk, even if it’s the kitchen table.

Stay in the loop.

Remote workers lose the opportunity to pop into someone’s office, so they need to be mindful to do so virtually. Checking in with your team may mean more deliberate and responsive emails, sometimes supplemented by instant messaging. It’s a good way to let your team know you’re working from home.

Whether you’re looking for business insurance for your endeavor or you’re looking for a new opportunity to start a franchise, contact the team at All Nevada Insurance today.

Should You Pay Off Your Mortgage Early?

Posted on by TheSph3r3
Should You Pay Off Your Mortgage Early?

Pros and cons of paying off your mortgage early.

One of the most debated topics in personal finance is whether it makes sense to pay off your mortgage early or invest in extra cash. There are significant advantages and disadvantages to both options, and there may not be a solution that is best for every situation. Take a look at these pros and cons to help you decide what to do.

Pros of paying off your mortgage:

  • No mortgage means lower expenses and less need to draw down your savings in retirement.
  • You may save thousands of dollars by not paying the interest on a mortgage. Even if your tax deductions would be reduced if you were to accelerate the mortgage payments, you’d still win financially.
  • For some people, the peace of mind they gain by eliminating debt is the most important consideration of all.
  • If you can pay off your mortgage by the time you retire or shortly thereafter, you’ll need much less income to support yourself in retirement than people who are either renting or still making mortgage payments.

Cons of paying off your mortgage:

  • The extra payments reduce the amount of money that you have to invest or to meet financial emergencies.
  • You’ll have reduced liquidity. It’s easier to access funds sitting in an investment account or bank account than to access funds in the form of home equity.
  • The money you invest has the potential to grow faster than the savings. You gain by paying less mortgage interest.
  • People with no mortgage may be looked on unfavorably as the lender lost money what would have been accrued in interest payments.

Whatever. You decide to do, be sure you feel confident in the plan. Find financial stability by securing reliable and affordable insurance policies. Contact the team at All Nevada Insurance for information on how to select adequate coverage for your needs.

Avoid These Bad Business Habits to Reduce Stress

Posted on by TheSph3r3
Avoid These Bad Business Habits to Reduce Stress

How to be less stressed at work.

Some stress in the workplace is normal. However, excessive stress can interfere with your productivity and performance, impact your physical and emotional health, and affect your relationships and home life. It can even mean the difference between success and failure on the job. Although you can’t control everything in your work environment, you can learn how to reduce your stress. Here are some bad habits to break so that you can lead a more stress-free life.

Bad habit #1: Sacrificing your downtime.

Everyone needs to take a break from work now and again. Many people’s first reaction is to tackle every task at once, cutting back on personal time to complete work. Remember that if you don’t take a break, you’re more likely to burn out and prevent yourself from being productive and will increase your stress levels. Yoga and mindfulness exercises are common ways to create a sense of peace and serenity. Be mindful to take breaks and then approach the work with a new perspective.

Bad habit #2: Saying no to help.

If you’re that person that never says ‘no’ to a being offered a task, then you’ll know that you may have work piling up around you. Going at it alone isn’t going to help yourself or the business. If you can, turn down tasks when you feel you have too much on your plate, or ask other colleagues for help. Delegating tasks can help alleviate some weight on your shoulders.

Bad habit #3: Being a perfectionist.

When you set unrealistic goals for yourself, you’re setting yourself up to fall short. Aim to do your best; no one can ask for more than that.

Whether you’re looking for a new and exciting franchise opportunity or business insurance for your growing endeavor, the team at All Nevada Insurance can help! Contact us today for more information.

Tips to Build Credit for Recent College Graduates

Posted on by TheSph3r3
Tips to Build Credit for Recent College Graduates

Building credit once you’ve finished college.

Congratulations! You’ve successfully graduated from college! All that hard work has finally paid off. Now that you’ve navigated college, it’s time to assess your fiscal responsibility. Of all the things you need to accomplish after college, building a great credit score is one of the most important. If you’re like most recent college graduates, there’s still a lot to learn about personal finance that probably wasn’t covered in class. These simple tips can help you build credit and will serve you well throughout your life.

Get smart about your credit score.

You may have a lot on your mind right now and pumping up your credit score may be last on your list of things to do. However, you should know that credit scores are, sadly, increasingly used to measure our worth. Your score is supposed to represent the likelihood that you’ll repay a loan. Credit card scores are often checked by utility companies, landlords, employers, government agencies, and insurers. It’s worth taking the time to ramp up your score.

Apply for a credit card.

If you’re comfortable with doing so, apply for a credit card. Take time to assess the different choices on the market and talk to your bank to see if they can offer you a better deal. You want to keep annual payments low and charging expenses reasonable.

Pay off your balance in full each month.

This is a habit you should form right from the beginning – never charge more than you know you can pay each month. If you overspend and can’t pay in full, you’ll start to accrue interest. For first-time cardholders, interest rates can be very high.

Pay on time – every time.

Nothing matters to your credit more than making every single payment due on time. Your payment history largely influences your score and late payments are a big mark on your credit. One of the easiest ways to make sure you don’t miss that date is if your credit card company allows you to make automated payments from your bank account.

Don’t over-apply for credit.

The more often your credit report is examined by a creditor, the lower your score. Be selective about when you pull up your report, especially if you know you’ll need to get a car loan or credit from a store.

Find financial stability by securing reliable and affordable insurance policies. Contact the team at All Nevada Insurance for information on how to select adequate coverage for your needs.

Superfoods That Lower Blood Pressure

Posted on by TheSph3r3
Superfoods That Lower Blood Pressure

May is National Blood Pressure Month!

Blood pressure is the force applied by the blood on the walls of the arteries as the heart pumps the blood. If the pressure of the blood remains high over time, it can lead to other health problems such as coronary heart disease, stroke, heart failure, kidney failure, and more. High blood pressure develops over the years and affects nearly everyone in the long run. Since May is National Blood Pressure Month, now is the time to check your pressure. If you have high blood pressure, these superfoods can help lower it naturally.

Avocados

Avocados are the powerhouses of potassium, which is necessary to maintain blood pressure. Apart from potassium, avocados provide other minerals and heart-healthy vitamins. The monounsaturated fat in them reduces your LDL, or ‘bad’ cholesterol, which is harmful to the body.

Tomatoes

Tomatoes are rich in lycopene, which has been shown to help reduce blood pressure. An Australian study found that by getting at least 25 mg of lycopene in your diet every day, you can lower your LDL (the ‘bad’ cholesterol) by up to 10 percent. Researchers say that’s as much of a difference as a low dose statin.

Dark Chocolate

Researchers have found that eating a small amount of dark chocolate every day (around 30 calories worth) can reduce hypertension by around 20 percent. Be mindful to buy dark chocolate that is over 70 percent cacao, and only enjoy a small piece to reap huge benefits!

Hibiscus Tea

After sipping on three cups a day of the tea for 6 weeks, slightly hypertensive participants saw a decrease in their systolic blood pressure of around 7 points. While the drop may seem modest for those with more serious cases of hypertension, doctors say that even small reductions in blood pressure can lower your risk for serious heart conditions.

Kale

There’s little that kale can’t do! It’s rich in magnesium, potassium, and vitamin C. A diet high in potassium is strongly linked to lower blood pressure. This could be because magnesium’s effect on blood pressure is enhanced when combined with more potassium.

From the team at All Nevada Insurance, we hope that you take this month to improve your health! For all of your insurance needs, contact us today.

Fun Ways to Treat Mom This Mother’s Day

Posted on by TheSph3r3
Fun Ways to Treat Mom This Mother’s Day

Treat mom for Mother’s Day!  

Mother’s Day only comes once a year, so we must make the most of it by showing our mothers how much they really mean to us. To most of us, our mothers are super moms. They are patient, caring, and love us unconditionally, despite our faults. This year, treat your mom to something special. Here are a few ways you can celebrate the special lady in your life.

  • Start with flowers – Almost every lady appreciates flowers because the act of giving a bouquet of beautiful flowers is so sweet. You can show your love to your mom by giving her flowers that match her personality.
  • Do the chores for her – Houses can take a lot of upkeep. Why not relieve your mom’s chore load a bit by doing some chores for her? Instruct her to sit down, relax, and let you handle the cleaning.
  • Cook for her – Even though there is nothing quite like mom’s cooking, reverse roles on this day by cooking her favorite meal. She will definitely be full (of happiness) afterward.
  • Take her to the spa – Moms are so busy doing everything for everyone else that they often forget about themselves. Treat your mom to a pamper day at the spa to ensure she relaxes.
  • Buy her a gift – Make sure you know she will love it! Jewelry is usually a good choice, but consider her taste and your wallet before committing to an expensive purchase.
  • Spend a day with her – Spend a day together, and she will treasure the moment. You might just watch movies and catch up all day, or you might grab some lunch and take her out shopping. Either way, this would mean a lot to her!

From the team at All Nevada Insurance, we hope that you and your mom enjoy the Mother’s Day celebrations! For all of your insurance needs, contact us today.