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!

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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.

How to Handle a Hit and Run Accident Without Losing Your Cool

Posted on by TheSph3r3
hit and run auto insurance las vegas nv

Are you the victim of a hit and run? Here’s how to handle the situation.

You always hope that there are no injuries in the event of a car accident. Even so, there are a lot of emotions that can exacerbate the situation. That’s why a hit and run accident can leave you feeling physically and emotionally debilitated. If the driver that hit you speeds off, learn what you can do to minimize further damage.

Do not chase after the vehicle. While it’s tempting to hunt down the driver that left you roadside, driving after him or her can be dangerous. It’s best left to the professionals to take care of that situation. If you’re able, note down any information about the vehicle and which direction it was heading.

Record eyewitness information. If there are any witnesses at the scene, or if there were other people in your car at the time of the accident, ask if they remember anything about the vehicle and situation. The more information that you can gather for the police, the better.

Gather information. Take pictures of the damage to your vehicle and record the date, time, location, and whole incident.

File a police report. The police need to have all of the information on record to assist in finding the guilty party in the car accident. Be honest with the investigating officers and if you’re not sure of any details, let them know. Furthermore, a police report will help you to file an insurance claim.

Contact your insurance agency. Let your insurer know that you’ve been involved in a hit and run accident. Information and the police report will help in compiling your claim together.

Uninsured/underinsured motorist coverage protects you against both financial and non-financial losses sustained as a result of an uninsured, underinsured, or hit-and-run driver. Does your auto insurance provide this basic coverage that protects you? Visit the professionals at All Nevada Insurance for your auto insurance coverage in Las Vegas and surrounding cities in Nevada.

5 Lesser-Known Thanksgiving Facts

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Thanksgiving Facts

Get into the spirit with these Thanksgiving fun facts.

Thanksgiving is the time for reflection and giving thanks. It allows us time to give thanks for our friends, family, food, and health, as well as the shortened work week! While you fill your bellies this holiday season, check out these Thanksgiving fun facts that are sure to entertain your family and friends around the table!

It’s now only one day. If you can’t make it through the daylong celebration of food, football, and family, be thankful that you weren’t around for the first Thanksgiving. That celebration took place in the autumn of 1621 in Plymouth Colony between European settlers and the Wampanoag Indians and it lasted three days!

Our American holiday. Abraham Lincoln issued a Thanksgiving proclamation officially setting aside the last Thursday of November as the national day for Thanksgiving.

It’s the season! In 1939, President Franklin D. Roosevelt restored the Thursday before last of November as Thanksgiving. He did so to make the Christmas shopping season longer and thus stimulate the economy during the Great Depression.

Berries, anyone? In all, 768 million lbs. of cranberries were produced across the United States in one year. Wisconsin and Massachusetts were responsible for the most production, producing 450 million and 210 million lbs. of cranberries, respectively.

Thanksgiving was celebrated far and wide. Europeans and Americans once celebrated Thanksgiving holidays throughout the year. Around the time the Pilgrims came to American in 1620. It was common in England and many parts of Europe to frequently set aside days for giving thanks to God.

For the protection that you need to keep you and your festivities safe, review your insurance policies. With the right coverage, you can feel rest assured that the right defenses are in your field. Contact the professionals at All Nevada Insurance for all of your insurance needs in Las Vegas, Nevada.

A Fun Bisque Thanksgiving Side Dish!

Posted on by TheSph3r3
Thanksgiving Side Dish!

Sundried tomato and butternut squash bisque Thanksgiving side dish!

Thanksgiving is the ideal time to get together with family and appreciate each other. With your table about to be host to all of your family, it’s time to whip up some delicious dishes!

Butternut squash is ubiquitous during fall – and it should be included in your Thanksgiving meal! To complete your menu, whip up this sundried tomato and butternut squash bisque!

Ingredients

  • 1 medium sized butternut squash
  • 1 teaspoon minced garlic
  • 1 leek, tough green parts removed, cleaned and sliced
  • 1/2 tablespoon olive oil
  • 1 cup sundried tomatoes (not in oil), soaked at least 1 hour and drained
  • 2 cups salted vegetable broth
  • 2/3 cup low fat canned coconut milk
  • 1/2 teaspoon ground cumin
  • Sea salt and black pepper to taste

Directions

  • About 1 hour before preparing, preheat your oven to 350 °F, slice your butternut squash in half lengthwise and remove the seeds. Sprinkle the flesh of the squash gently with salt and then place face down on a baking sheet. Add about 1/4 cup water to the pan and cook for 45- 60 minutes, or until the squash’s skin is tender enough to be pierced with a fork.
  • While the squash is roasting, saute the garlic and leek along with the olive oil over medium-high heat until tender, about 10 minutes. Set aside.
  • Once the squash is tender, transfer to a high-speed blender (or use a good quality immersion blender or food processor) and puree along with garlic and leek, the sundried tomatoes, vegetable broth, coconut milk, and cumin. Add a little more broth if you prefer a thinner soup. Blend until completely smooth, about 10 minutes. Warm gently if needed over medium heat until desired temperature is reached. Salt and pepper to taste.

From the professionals at All Nevada Insurance, we hope you and your family have a wonderful Thanksgiving! For all of your insurance needs, visit us in Las Vegas, Nevada!