Have you ever received a post card from the State of Nevada DMV asking for vehicle insurance verification? Most of us have at one time or another. The process to "verify" your insurance used to be a little combersome and often didn't work.  But now... The NV DMV verification process can be completed online.  The NV DMV calls this “LIVE V...

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Do you have homeowners, condo owners or renters insurance? If you do, you also have personal property coverage. That is the “stuff” you own from furniture & clothing to TV’s and electronic equipment. If you look on your declarations page it is labeled Coverage C. This is probably not a surprise to you, BUT did you know…   ...

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Most of us don't notice new laws unless they affect us or get sensationalized on the news. However, it is in your best interest to know about the new law that went into effect on July 1, 2011.   In short, it was Senate Bill 323 which established a tiered system of fees and fines for automobile insurance coverage lapses. So, if you never...

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Bundling policies - Is it always the best for you? Most of you watch TV and hear commercials about saving money by "bundling" your insurance policies. The commercials make it sound as if that is the best way to handle your insurance and always saves you money. Well - folks - that ain't necessarily so!! If Sage Insurance did a national commerc...

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  Replacement (Reconstruction) Cost vs. Market Value A question we often get asked is, “Why is the replacement/reconstruction cost of my home often higher than the market value or the price I paid for it?”. A concept that runs through the insurance industry (and many other industries for that matter) concerns the value of something. A...

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Insuring condominiums or townhouses is sometimes complicated by the legal documents that set them up and the type of policies they buy for the complex as a whole. In order to get it right the condo owner has to do some research and read the CC&R's that come with condo ownership. The most complicated personal lines policy for us to insure is a ...

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