3 Common Causes Of House fires

What’s your greatest nightmare as a homeowner?

If unexpected disasters like house fires top your worry list, that’s no surprise. those are valid concerns, even if you do have homeowner’s insurance from Sage Insurance Services Inc.

In 2015, 3280 deaths occurred as a result of house fires in the US alone. In a dry climate area such as Las Vegas, NV, the fire risk is significantly higher. Here are the top 3 common causes of house fires.

1. Cooking Accidents

Have you ever left your stove or oven on unattended?

Its an innocent mistake: You figure you’ll just step outside or to the next room for a second while your meal is cooking. An open flame or an oven left on is never safe if unsupervised, though.

If you’re cooking, stay in the kitchen until your stovetop and oven are off. Also, don’t attempt to fight a kitchen fire yourself unless you have a fire extinguisher on hand. Never fight a grease fire with water.

2. Faulty Appliances and Bad Wiring

Is the wiring in your home up to code?

The second most common cause of house fires is an electrical issue, either due to a faulty appliance or bad wiring. Large appliances such as clothes washers are major culprits.

Make sure your wiring is up to code by hiring a certified electrician to fix any wiring issues if they arise. Never do the rewiring yourself.

Also, prevent nighttime fires by not running major appliances right before bedtime. According to this house fire statistical data, 50 percent of house fires happen during the night. Most nighttime fires yield bedroom fatalities. Before going to bed, turn off all major appliances such as clothes dryers, and disconnect any unnecessary power strips around the home.

3. Open Flames

Do you light candles around your home sometimes?

If so, make sure they aren’t left lit in risky places. If you leave the room, blow out the candle. Most importantly, don’t leave the candle within easy access of pets or children.

Does your Las Vegas, NV home insurance offer a generous house fire policy? Even if you take preventive steps, your home can be susceptible to this type of devastation. A robust home insurance policy can mean the difference between a tragedy and a temporary setback. If you haven’t already, contact a helpful agent at Sage Insurance Services Inc. to explore and buy coverage that will give you peace of mind in your home.

 

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Sources:

Residential Fire Statistics Infographic

https://www.firedex.com/blog/2015/08/06/residential-house-fire-statistics-infographic/

 

US Fire Statistics:

https://www.usfa.fema.gov/data/statistics/

 

NFPA Report: House Structure Fires:

https://www.nfpa.org/News-and-Research/Fire-statistics-and-reports/Fire-statistics/Fires-by-property-type/Residential/Home-Structure-Fires

Prep Your Home to Weather Any Disaster

Living in Las Vegas, NV you thankfully don’t need to worry about hurricanes, but for most other weather disasters, there is always a possibility. From snow storms to flooding, Sage Insurance Services Inc. wants to make sure you are covered and ready for any disaster. The more prepared you are, the safer everyone is inside of your home and the less damage the home may sustain. These easy to follow tips should set you down the right path to home and family protection. 

Cold-Prep the House

In the event of heavy snow fall, there’s not much you can do to prevent it from falling onto your house. That doesn’t mean you can’t do anything, however. Insulate your pipes to prevent water from freezing in the event of a power outage. install new weather stripping around doors and windows and fill in cracks around the foundation of your home. It’s also best to have your roof inspected annually. Heavy snowfall quickly exposes problems a roof has due to both the moisture and weight. 

Sandbags on the Ready

Have a box of sandbags at your disposal. Keep it in your garage for when necessary. After a heavy rainfall, flash flooding can occur. Create a barrier around openings into your home, such as your front door and garage. 

Landscaping

It might sound odd to include landscaping as a way to disaster proof your home, but it is a major task to handle. Look for any trees, bushes or other landscaping that is dead or dying. In the event of heavy winds these branches become dangerous projectiles. Even the smallest branch can smash a window, cause vehicle damage or injure an individual. Thankfully, you only really need to do this once during the year to protect your home. 

Tips for Maintaining Your Home This Autumn

We are pretty lucky here in Nevada when it comes to winter preparation. While people in other states are getting ready for several feet of snow, we get to enjoy mild conditions in the months to come. However, there are still a few home maintenance tasks that need doing this autumn.

Prepare the Exterior of Your Home

Preparing the exterior of your home is important. Make sure any leaves or debris are removed from your guttering system to ensure proper water flow. You will also want to remove any annual plants that are on the end of their cycle and trim away any tree branches that are close to your dwelling. Put away any garden hoses, patio furniture pieces, or other outdoor accessories to keep them safe from damage during the off-season.

Maintain Your Furnace

Even though the temperatures don’t really dip too badly here, cold snaps can still happen. Thus, it is important to make sure your furnace is maintained in the fall and ready to go at a moment’s notice. Start by changing out any air filters and checking all system connections. You may also even consider calling a local HVAC professional to do a full system checkup. Most companies offer major discounts this time of year, so be sure to ask them if they are having any seasonal specials.

Prepare Your Pool

Many Nevada homeowners have swimming pools in their backyards. Prepare for the winter by having the pool drained or the system setup for the winter. Calling a pool care professional to come out may also be a great idea.

It is also important to make sure you have proper insurance coverage on your home. At Sage Insurance Services Inc., our knowledgeable team can help you determine exactly what level of insurance you need for your property. For more information, please contact us today.

 

First Time Homeowners Winter Tips

Moving from a warm climate to a cold climate requires new skills. Having adequate home insurance and good auto insurance coverage is very important for those who move to a colder area. There are also a few easy things to do that save money and protect a home during the winter months.

Here are some handy tips to protect a home during winter:

  • Turn off the water supply and drain all the water from the pipes leading to the air conditioning unit. Use a wet vacuum or towels to remove any standing water in the drain pan. Cover the air conditioning unit.
  • If the home has ceiling fans, reverse the spin to bring the warm air that rises up naturally, down lower towards the occupants in a room, to cut down the cost of heating bills.
  • Check for air leaks around doors and windows. Use a towel at the base of the door to block air from escaping. Cover windows on the inside with plastic to stop air leaks.
  • Get thick blankets or a comforter for the bed when sleeping. Use a programmable thermostat to set the temperature to 55°F at night and when away from the home. This keeps the inside water pipes from freezing and saves energy when not necessary to heat the home.
  • When going away for an extended period, turn off the main water valve to the house and drain all the water from the pipes that connect to sinks, dishwashers, and toilets. Drain the water heater and turn off its gas supply or electrical connection. Empty the refrigerator. Unplug it. Prop the refrigerator door open to prevent mold from growing.

Contact Sage Insurance Services Inc. in Las Vegas to make sure your home insurance policy has adequate coverage.

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.

 

 

How To Find Cheap Insurance That Covers Almost Everything

Las Vegas, Nevada is one of the top tourist destinations in the country. It also has a large population of permanent residents. Within the 89145 area, many residents are homeowners. Various industries exist, though the tourism industry is one of the leading sources of employment.

When you shop for home insurance, you want to make sure you find a policy that covers almost everything. The last thing you want is to file a claim only for the home insurance to deny it. The goal is for the policy to prevent out of pocket expenses on repairs and damage.

A policy in Nevada can cover such things as:

– Roof damage
– Carpet damage
– Foundation issues
– More

Carpet damage may or may not be covered within a policy. There is generally fine print on what would count as reimbursable carpet damage on your home in the 89145 ZIP code. If it was damaged because of a storm, a flood, or something else, then you would likely be able to file a claim. However, if it was damaged because of a pet or child, it would likely be on the list of exclusions.

To find cheap home insurance, you have to work with an agent in Las Vegas. Our agents are knowledgeable about the process and can help you to find a high level of coverage. It’s also possible to get relatively cheap insurance. It’s all about making comparisons between the policies.

You should always seek out the best possible protection for your home in 89145. We have agents in Las Vegas, Nevada who can help you every step of the way. We can tell you what the fine print allows and doesn’t allow so you can have the coverage on almost everything. More importantly, we can focus on getting a cheap premium for you.

 

Homeowners Insurance Policies and Earthquake Insurance

If you live in Nevada, there’s a growing chance that you have earthquake insurance in addition to your homeowner’s insurance coverage. However, even in Nevada, a very small percentage of homeowners carry earthquake insurance. Many people think their homeowner’s insurance policies automatically cover all belongings in case of an earthquake. But, most homeowners insurance policies do not cover all belongings demolished in a devastating earthquake.

If you own expensive jewelry and antiques, your valuables may not have the coverage you require unless you also have earthquake insurance. Although earthquake insurance is expensive, it’s easy to find the best coverage for your budget when you speak with one of our professional insurance agents. Even if you live in New York or Kentucky, there’s always the chance of an unexpected earthquake, so you need to read the fine print in your homeowner’s policy to find out if you’re completely covered.

Whether you live in Texas or Missouri, chances are likely that your homeowner’s insurance does not cover earthquake insurance. One difference between coverage offered by your homeowner’s insurance and coverage offered by an earthquake policy is that earthquake insurance provides compensation for damages that are caused solely by an earthquake. If your homeowner’s insurance policy is difficult to decipher, contact our office to make an appointment with an agent who can explain the details.

Unlike flood insurance, if you owe a mortgage on your house or condominium, you are not legally required to have earthquake insurance. Your homeowner’s insurance may cover you for certain damages, but, if an earthquake is a culprit, you may learn quickly that you have lost your home and belongings without having the necessary funds to replace your property. Consequently, it is best to give us a call and discuss your concerns. Contact Sage Insurance today to discuss your homeowner’s insurance policy.

How do I renew my home emergency insurance?

When your home emergency insurance is about to expire in Las Vegas, NV, you may worry about the process of renewing the policy. Depending on your preferences, goals and plans, the renewal offer that you may be provided by your insurance provider may or may not be appropriate for your needs.

Review Your Current Plan

Life tends to cause changes over time, so a home emergency insurance policy that was appropriate one year ago may not be appropriate for the next year. Before you assume that renewing the same plan is the best course of action, review your policy and evaluate the coverage that you currently maintain.

You may need to contact your insurance provider if you have any changes to your situation or if you want to adjust your policy so that it fits your goals and concerns. It is best to inform your insurer about any changes before you start renewing the plan.

Ask for a Renewal

Some insurers will automatically renew your policy, but others may require that you fill in paperwork or contact that insurer to inform them of your plans to continue your coverage. The details about when you need to send any documents or paperwork may vary based on the policies of the company, so talk to your insurance provider early.

If your insurer determines that you will not be offered renewal, then it may be necessary to start looking for a new plan. Compare your options before you agree to any new policy.

Protecting your home does not mean that a basic homeowner’s policy is the only coverage that you may need. Sometimes, emergency protection is necessary. Contact us to speak to an agent to learn more about renewing your plan and getting the best rates for your needs.

Does my home insurance policy cover my air conditioner?

Few single home appliances are as expensive or as important as the air conditioner, but what makes it particularly unique is that a major component of it often sits outside the home itself. When a homeowner has an air conditioner with the condenser unit sitting somewhere in his or her backyard, nobody could blame them for wondering if it would actually be covered by their homeowners insurance in case of damage or malfunction. As it turns out, the location of the appliance has little to do with how it is insured, as long as it is on the property.

In determining whether or not a home insurance policy will cover an air conditioner, the first question to ask is "What happened to it?" Most homeowners insurance will cover an air conditioner if it is damaged in a storm, or a fire, or even if it is vandalized. Some policies might even cover it if it is damaged as a result of frozen pipes. What homeowners insurance usually does not cover is normal wear and tear, the damage that might occur to an air conditioner over time with normal use. To cover this sort of damage, a homeowner would need to purchase a home warranty, or some similar type of program or policy.

Every home insurance policy is different, and they can be complicated for people who are not terribly familiar with them. Rather than be surprised by a denied claim, you should take the time to talk to an agent about your policy and make sure that you understand what is covered and what is not. As your independent agent, we can answer all of your insurance questions and even help to make sure that you’re getting the best rate on the coverage that you need, so contact us today!

 

I have homeowners insurance. How is a Home Warranty different?

Your home insurance policy and a home warranty are two very different forms of protection. One policy protects you from events that destroy your home and property, the other is designed to protect you from major repair expenses if components in your home fail.

Homeowners Insurance

A home insurance policy protects your home from damage due to certain perils. Fire, theft and most storm related issues are included. If your roof is torn off by high winds, your insurance should cover the repairs. If a fire destroys your kitchen, your insurance helps you rebuild.

Your personal property is normally covered for damage by the same perils. Your furnishings destroyed by fire would be replaced subject to your deductible and plan type. Most policies will include liability protection and medical payments if someone is injured on your property.

Home Warranties

A warranty is often offered when you purchase a new or older home. In some cases, the builder or seller will pay for the first year. In others, you can choose this protection on your own. A warranty is a guarantee against failure of specified components in the home. These programs are also service contracts, if a covered item fails; you are normally only responsible for a low set fee for repair or replacement.

The average home warranty will cover items like the plumbing and electrical system. You HVAC system, water heater and other major appliances may be included. Plans can be written to include a variety of conditions. For example, if the plumbing develops a leak, the contract would provide repair or replacement after you may the service fee. These plans often contain clauses that require homeowners to take normal maintenance steps.

If you have additional questions about your insurance policies, get in touch with us. We want to make sure you have the full homeowner’s coverage that you need. You can also use our services to get comparison quotes online at your convenience.