5 Things You Need For Driving This Winter

When you’re driving in the winter, you want to be the safest you can be. There are some things you should have to ensure you are able to get the traction on the roads and take care of things on the side of the road, if needed.

Snow Tires
Snow tires are often forgotten. People view them as an expense that they cannot afford. However, it can be one of the best ways to avoid collision because it is going to provide you with the traction needed in snow and ice. It will allow you to stop your car faster, and handle turns better as well.

Flashlight
A flashlight should always be kept in your car so that you can see if you have to get out of your car. If you stop at night, there may not be enough city lights to see what you are doing.

Winter Gear
Don’t get caught outside of your car without winter boots, a warm jacket, as well as hat and gloves. Keep these in your trunk so that they are always available.

Defensive Driving Skills
You always need to have your defensive driving skills when you are driving. Keep a safe distance between the car in front of you. Remember that other cars may not be as safe as you are, so you need to account for what they may do.

Alertness
Finally, you need to be as alert as possible. Keep your eyes on the road and make sure that you are trying to spot as many potential hazards as possible. This will help you to avoid issue as you approach them.

Contact us at Sage Insurance Services Inc. today to learn more about how to stay safe this winter, and throughout the rest of the year. We look forward to finding a policy to provide peace of mind when driving the roads of Boulder City.

 

What Does Home Liability Coverage Really Include?

Living in Boulder City, Nevada involves certain responsibilities. When you are a homeowner, you pay for homeowner’s insurance. If someone injures themselves on your property, you are held financially responsible. Having home liability coverage as part of your homeowner’s policy can save you a significant amount of money.

Consider the fact that you never know when someone is going to get hurt on your property. You may have forgotten to fix support steps and someone trips, hurting themselves. You may have a hole in your yard and someone sprains their ankle walking through. Someone could be driving home from your party after having too much to drink and get into a car accident.

You could be held responsible for all of these situations. Someone could sue you and therefore you have to deal with legal expenses as well. If you have home liability coverage, it may take care of the legal expenses, regardless of whether you are held financially responsible for the injuries or not.

If you are found liable, the liability coverage can include various other things as well. This includes a pain-and-suffering settlement, medical bills, lost wages, and potentially even death benefits if the injury results in a fatality.

If you were financially responsible for all of it without coverage from your homeowner’s insurance policy, it could be tens of thousands of dollars, if not more. You probably don’t have this kind of money and therefore you need to rely on the coverage within your policy. Adding higher limits than what comes standard can be advantageous and more affordable than you might think.

Call and talk to one of our independent insurance agents today to learn about auto insurance in Boulder City. At Sage Insurance services Inc. we are committed to helping you every step of the way.