Turned Down? These Tips Can Help You Find — and Rent — a Great Home

Posted on by TheSph3r3

Feeling discouraged because your rental application was turned down? Here are some tips to help you find a rental home where you’ll feel welcome:

1. Understand the landlord’s position. Renters want the best possible place to live. Landlords want tenants who will pay the rent reliably and on time. If your income indicates you’ll struggle with budget issues in a higher priced dwelling, landlords are unlikely to give you the nod.

2. Be ready and willing to pay up front. Make it clear to the landlord or rental agent that you can pay the security deposit, credit check, first months rent, parking fees and any other upfront costs before you move in.

3. Know your credit history and be prepared to explain any blemishes. If you have past rental defaults, you’ll probably have to face some tough questions. If you have other credit problems, explain how you are managing them.

4. Be open and honest. If you attempt to hide credit issues or misrepresent your financial status, you may lose a fair chance to rent the property you like, and may find that the landlord is unwilling to consider an application in the future after your financial status improves.

All Nevada Insurance can help Las Vegas residents with their renters insurance and other coverage needs. To learn more, contact us.

 

Marriage, Work and Safety: Three Big Changes that Could Lower Your Auto Insurance Costs

Posted on by TheSph3r3

Did you know that changes in your life and upgrades to your vehicle could save you money on your auto premiums? Here’s how:

Marriage
If you add your spouse to your insurance policy, the rates you both pay could go down. Insurance companies view married couples as more stable and likely safer drivers.

Job Changes

Your insurance rates depend in part on how much you use your vehicle. If a job change means you commute fewer miles each day, or take public transportation, let your insurance company know.

Safety Upgrades
If you add a security system or update a safety feature (anti-lock brakes, airbags) on your vehicle, your insurance company may offer a discount.

Smoking Cessation

Insurance companies rate smokers as higher risks (yes, this applies to vehicle as well as health and life insurance). Notify your insurer if you stop smoking, and be prepared to offer evidence, such as a certificate from a smoking cessation course or nicotine patch prescription.

If you’d like to save more money on auto insurance, be sure to keep your insurer informed about

The amount of discounts can vary depending on your age, location, vehicle and driving history. An independent insurance agent can help you explore available discounts, and choose the best coverage for your needs.

All Nevada Insurance can help Las Vegas residents with their car insurance needs. To learn more, contact us.

Vegas Gets Up Early for Autism with 5th Annual 5K Race and Fun Walk

Posted on by TheSph3r3

When people from outside of the area think of Las Vegas their minds often jump to flashing slot machines, extravagant Vegas shows, and generous hotel buffets. Those of us who live in Las Vegas know the city has much more to offer than that, and so do the people. This becomes especially evident when you consider local events such as the 5th Annual 5K Race for Hope and Fun Walk which is being held this year on Saturday, April 26 from 7 a.m. to noon.

Every year thousands gather in Town Square in order to participate in the race. The $35 entry fee goes to help the 6000+ children Nevada who live with autism through community outreach, diagnostic, and support services.

At All Nevada Insurance, we’re proud of events in our community like the Autism 5K, and we’re here to provide support and share our knowledge about several insurance products available in Nevada, Colorado, California, Arizona, New York and Utah. Whether you need home, auto, life, heath, or business coverage we’re ready to draw on more than 70 years of industry experience to help you find the policies that are best for you and your family. Even in Las Vegas, there are some gambles you just don’t want to take.To learn more about your insurance coverage options in the Las Vegas area contact All Nevada Insurance today.

Everything’s Better In Vegas–April 2014 Events

Posted on by TheSph3r3

You know what they say… what happens in Vegas, stays in Vegas. But when you attend these April 2014 events, we’re betting you’ll want to tell everybody.

  • Clark County Fair & Rodeo: April 10 – 13, 2014 at the Clark County Fairgrounds. Ticket prices are $9 for adult tickets, $7 for both senior adults and children. The Clark County Fair gets started at 10 AM each day and lasts well into the evening.
  • 22nd Annual Las Vegas City of Lights Jazz and R&B Festival: Come out to the Clark County Government Amphitheatre on April 25 – 27, 2014 for the best in jazz and rhythm and blues artists. Tickets to this popular event cost either $95 or $155 for adults, $25 for ages 13 – 17, children 12 and under get in free.
  • Brian McKnight: One night only, April 5th at 8:30 PM, R&B crooner Brian McKnight takes the stage at the Eastside Cannery Casino Hotel. Tickets range from $19.95 – $45.95.
  • Britney: Piece of Me: Britney Spears’ highly-publicized concert series runs from April 25 to May 17, 2014 at the Planet Hollywood Resort and Casino. Tickets range from $66.50 – $194 each.

You’ll probably travel to these events in your automobile (or a rental); therefore, allow the experienced insurance professionals at All Nevada Insurance to review your coverage and provide you with a free, no-obligation auto insurance quote. Contact them today!

 

Home Maintenance Chores for Spring

Posted on by TheSph3r3

After you’ve gotten your home all clean and sparkling with your spring cleaning, you may want to tackle these home maintenance chores.

1. HVAC Maintenance

Go ahead and make an appointment with your local HVAC company to have your unit inspected and maintained. The technician will lubricate all the moving parts, check the thermostat, check the coolant levels, and give everything a good cleaning. If you do this now, your unit will be ready to go when the first hot day of summer arrives.

2. Filters

You probably already change the filters regularly in your furnace. However, there are other large appliances that have filters that should be changed or cleaned regularly. Check your vacuum cleaner, dishwasher, refrigerator water filter, and air purifier to make sure that you have maintained the filters on these units. Doing this small chore will improve the efficiency of these appliances and make them last longer.

3. Drain the Hot Water Heater

Hard water can ruin the heating elements in your hot water heater. However, you can mitigate this damage by draining your hot water heater once or twice a year. Turn off the power and the water supply to the hot water heater. Attach a garden hose leading outdoors to the faucet on the bottom of the hot water heater. Open the faucet, and let the tank drain. When the water stops running, close the valve, detach the hose, and turn the water and electricity back on.

If you need more information about your homeowners insurance coverage in Las Vegas, Nevada, contact All Nevada Insurance today!

Flu Shots Are Great Preventive Care

Posted on by TheSph3r3

No one likes to get sick. Getting the flu can mean a week or more away from work in addition to feeling tired, achy and just plain lousy. Having a flu shot before flu season is one of the best short term preventive care decisions you can make.

It takes about two weeks from the time you have a flu shot until your body builds up an immunity against the disease. A shot helps to protect you for around three months and it is advisable to only have one flu shot a year. Flu shots are effective between 70-90% of the time for healthy adults. The vaccine is not as effective for young children and the elderly.

Flu shots are sometimes covered under health insurance. To learn more about how getting the right healthcare coverage can keep you healthy throughout the year, please contact All Nevada Insurance, located in Las Vegas.

Live in Las Vegas? Life Insurance Is a Must

Posted on by TheSph3r3

If you live in the city of Las Vegas, you’re a prime candidate for life insurance. The high mortality rate in Las Vegas increases the importance of having life insurance to ensure that your family will be provided for in the event of your unexpected death.

Despite the city’s glamorous appeal, Las Vegas can be a dangerous place to live—homicide rates increased by 50% within the first three months of 2013. The large influx of visitors throughout the year contributes to the auto accident mortality rate. In addition, Las Vegas has a 50% higher suicide rate than any other city in the country. Depression is also on the rise due to excessive gambling losses.

These reasons and more make it imperative for residents to protect the future of their families with life insurance coverage. Life insurance offers tangible financial security for loved ones when you pass on. You can have greater peace of mind that your family will be well taken care of after you’re gone.

Life coverage can be personalized to meet your needs and budget, making it a viable financial option. Find out more about life coverage options and plans in Nevada by contacting All Nevada Insurance located in Las Vegas.

Las Vegas Police Change Fender-Bender Policy

Posted on by TheSph3r3

Beginning March 3, 2014 Las Vegas police changed the policy on fender-bender accidents to free up Metro’s police force.  Per Sheriff Gillespie, Metro’s force continues to be "stretched to its limits". By changing the fender-bender policy, it is estimated that 250 hours per week will be available for officers to perform essential duties.

 

There are now 30 fewer traffic officers than there were just 18 months ago. Metro reported that minor traffic incidents/accidents are consuming excessive amounts of time when severe crashes and fatalities deserve urgent attention.

 

With the change, police are no longer required to respond to minor property-only incidents. Drivers involved should still exchange information.  They should also file an accident report within 10 days of the incident.  Metro’s police force will now have more time to apply their efforts in reducing traffic fatalities.

 

Do you need auto insurance? Contact All Nevada Insurance for full coverage and low rates. We have over 70 years of experience and have complete knowledge of the industry. We are one of the most trusted brokers, providing a full range of insurance and financial services. All Nevada Insurance cares about you and your family and we maintain excellent communication.  As a full service agency, we are fluent in Spanish and are prepared to find the best protection for your situation.

 

Spring Is the Best Time to Update RV Insurance Coverage

Posted on by TheSph3r3

Travel plans are being developed months before departure.  As part of the preparation, RV owners are wise to evaluate the existing RV insurance policy.  Consideration must be given to the differences between auto insurance and RV insurance.

  • Specialized vehicle – A recreational vehicle requires coverage for personal belongings and more expensive towing services.  RV insurance offers services that are designed to assist policyholders with various problems that arise on the road.
  • Avoid cheap insurance – Affordable RV insurance includes the insurer’s strong reputation for paying claims and providing assistance.  Policyholders trust the insurance company to respond regardless of the RV’s location.
  • Sufficient liability coverage – Your property must be protected against loss when you cause damage to property belonging to another person.  Liability limits must be sufficient to pay for these losses.
  • Applicable discounts – Savings on RV insurance is possible when the policyholder asks for the Exclusive Storage Option that suspends unnecessary insurance when the RV is not in use.
  • Annual destinations – Driving into Mexico, or Canada, might fall outside the acceptable risk of your current RV insurance.  Contact the insurance company early to make appropriate adjustments.

For more information about RV insurance in Nevada, contact All Nevada Insurance located in Las Vegas.

5 Things You Need To Know Before Renting in Las Vegas

Posted on by TheSph3r3

Looking to rent in the Las Vegas area? Before you sign anything, read the five tips below from Nevada Legal Services.

How Much Should a Security Deposit Be?

Nevada law states that a security deposit can be up to three times the monthly rent and no more.

When Can a Landlord Increase Rent?

Landlords can’t raise rents at their whims. They can only legally raise the rent if there are provisions in the original renter’s agreement.

Landlords Need to Give Contact Numbers

There’s nothing more frustrating than trying to reach a landlord during an emergency. By state law, landlords need to give their renters an emergency contact phone number of someone who lives within 60 miles of you.

Landlords Need to Tell You If Foreclosure is Possible

Even if you are only renting, you can still be tossed in the street from a foreclosure. Landlords are required by law to tell anyone looking to rent that the property is in foreclosure.

Free Consultations Available

Still have questions? A free 15 minute consultation can be had from the Legal Aid Center of Southern Nevada.

If you still wonder what you need to know before renting a house in Las Vegas, Nevada, please contact All Nevada Insurance today.