What is term life insurance?

No one really wants to think about what would happen after they pass away, but for anyone with a family, this is one of the most important questions that need to be answered.  While your loved ones will never be the same after losing you, they will also be financially vulnerable.  In addition to losing your income, they may also have to contend with medical bills, legal fees, and other expenses.

In order to pay these bills, your family will probably need to rely on the funds received from a term life policy.  These policies are priced relatively cheaply and are good for a set period of time.  During that time frame, the policy would pay your survivors the value of the policy in the event of your death.

Term life policies are usually purchased in ten year increments.  For many young people, the risk of dying is fairly low, so the overall cost of these policies is much cheaper than other forms of life insurance.  That makes them an ideal choice for young families that are on a budget.

A term life policy can provide a lump sum payment to your loved ones that can cover any outstanding bills and leave additional funds to support your family until they have time to adjust to your loss.  This money can be used to pay off debt or it can be invested to provide a lifetime of income.

If you’re a resident of the Boulder City, NV area and you’re thinking about buying life insurance, contact the professionals at Sage Insurance Services Inc.  They can help you find the policy that is right for you.

Three Things You Should Know When Purchasing Boat Insurance

Purchasing an insurance policy for a boat isn’t always as easy as obtaining insurance for an automobile. Many insurers will not underwrite policies for boats. Other insurers want to charge an exorbitant premium for very little coverage. If you are looking for an insurance policy to cover your boat, keep the following three tips in mind as you comparison shop for the right policy at a price you can afford.

Minimum Coverage Isn’t Always Enough

Many states have laws on minimum coverage amounts; these amounts may not always be enough if an accident happens. Look at your overall financial picture and determine how much coverage you need to protect yourself in the event that an accident happens with injuries to other people and damage to property. Then select your coverage amounts and deductibles accordingly.

Types of Coverage Needed

Your boat is not the only thing that needs insurance coverage. You should purchase a policy that includes coverage for damage to property other than your boat, including other watercraft. You should also obtain coverage for injuries to yourself and others involved in an accident.

Cheapest Isn’t Always Best

Many people will select a boat or automobile insurance policy based on which policy has the cheapest premium amounts. This can involve exorbitant deductibles that can cause a hardship in the event of an accident. Select your policy based on coverage amounts and overall costs in the event of an accident. Don’t let the upfront premiums be your deciding factor.

If you are in the Las Vegas, NV area and you have a boat that needs insurance coverage, Sage Insurance can help. Visit online to get a boating insurance policy with more than the state minimum coverage at a price you can afford. Then go out and enjoy your boat with the peace of mind that comes from having all your affairs in order.

The Importance of Updating Your Insurance Policies

Here at Sage Insurance Services Inc. of Las Vegas, we want to make sure our clients have the absolute best coverage at all times. It is our job to ensure that you feel safe and taken care of as customers. One of the things that can help you stay at the best position possible with your coverage is occasionally updating your policies. While you may have started on the best plan for you, there may be an even better option for you now!

Regardless of the type of policy, over time things in your life change that could affect your insurance coverage. If you have made changes in your home that add safety features or substantial value to your home, your current policy could be out of date. Reevaluating could find you a cheaper rate, better coverage, or even discounts to add. A better premium is always a bonus, but making sure you are adequately covered could save you even more. If you have made a new large personal purchase or added on to your home, you don’t want to wake up one day to find that those things weren’t covered on your initial policy.

The same goes for your auto insurance. If you are thinking about purchasing a new car, check into how this will affect your premiums. Once you have made the purchase make the update immediately! You don’t want to drive your gorgeous new car one single day without making sure that it is 100% covered! New drivers in your household mean an update too. Teen drivers can increase your premium by quite a bit, but they can also qualify for discounts like a “Good Student” or “Drivers Education” discount.

What is available to you at any given point can change or fluctuate with your own life and you owe it to yourself to keep all your insurance policies up to date. If you don’t ask you’ll never know, so make sure to give one of our fantastic Sage Insurance agents a call to see what they can do to help you make your policies work better for you!

Little Known Uses For Common Cleaning Products

Everyone loves a great multi tasker so why not try to find alternative uses for your favorite household cleaners? There are more uses for common household goods than you might imagine and knowing what they are can help save time and money.

Dish soap can double as a grease remover in your laundry. Dish soap is formulated to help remove grease from plates and other dishes which means that when used in the wash it attacks grease stains and helps to life the fats that are in the grease out of your clothes quickly and easily. Similarly, vinegar can help remove nasty stains from clothes and peanut butter can remove gum.

Another cleaning product that pulls double duty is lemons. These can be used to help scrub away stains in pots and pans and can also work as an air fresher in your trash and garbage disposals. This fragrant fruit is great for adding a bit of a fresh smell to any room and can help make your life easier. The acid in the juice of a lemon can attack stains and when paired with something like baking soda it has even more cleaning power.

Have a broom duster, the pads can be used as cleaning cloths as well. Instead of buying a duster and a dusting broom buy just the broom and use the wipes to help remove dust from surfaces all over your home. These duster wipes can help collect dust and make your job tons easier without having to buy a million different cleaning products. No matter what products you use Sage Insurance Services Inc. wants your job to be easier so why not take a few short cuts. These are just a few multipurpose items, you can use them for just about whatever you want.

Whose Insurance Will Cover Your Friend Wrecking Your Car?

You loaned your car to a friend or family member and then you get a phone call that they have been in an automobile accident. After ensuring that they are not injured, you may begin to wonder whether your insurance or their insurance will cover the accident. Here is some information you need to know if your friend was involved in an accident while driving your vehicle in Las Vegas, NV.

Auto Insurance Follow the Car, Not the Driver

It is important to understand that, for the most part, auto insurance follows the vehicle you are insuring, not the driver. This is why you may not always be covered when renting a car or driving someone else’s vehicles. Unless the policy specifically states otherwise, the policy is specifically in place for the car.

Excluded Versus Non-Excluded Drivers

When you take out an auto insurance policy, you need to pay close attention to non-excluded versus excluded drivers. If you have a roommate, close friend or family member who is considered to be a risk by the insurance company, they may be listed as an excluded driver. They may have a lot of tickets or DUI’s. Regardless, an excluded driver is not covered by your auto insurance policy, so they should not be driving your vehicle. If the person is not listed as an excluded driver, they are considered to be a non-excluded driver and will be covered as long as they have a valid driver’s license.

If you have a friend who frequently drives your car, or you are shopping around for a policy that will cover others, give Sage Insurance Services Inc. a call today. They are an auto insurance company that serves the Las Vegas area. They can help you find the right policy with all the coverage you need, at a price you can afford. 

Driving in the Snow in Las Vegas: Advice for Teens

When thinking of Las Vegas, most people don’t think of it snowing. Truth is, it does snow in Las Vegas sometimes, especially in the surrounding mountainous areas. Because of this, you must make sure that your teen is ready to drive in the snow. Fortunately, there are many helpful tips you can share with your teen driver about staying safe in the snow when driving. 

Slow Down

First and foremost, you need to explain to your teen that when driving in the snow, it’s important to slow down. Speed limit signs don’t apply when weather is hazardous, and this includes when driving in foggy or rainy weather, as well. 

Put it in 4WD

Next, if your teen is driving a vehicle that is equipped with 4WD, you will need to show them how to put it from 2WD into 4WD. Switching the vehicle over to 4WD when driving in the snow is the best choice to make because all four wheels will be turning, thus giving the vehicle much better traction. 

Check the Tires

Regardless of whether or not you instruct your teen to check his tires before driving in the snow, you should check them, too. You are responsible for your teen, and this includes making sure he has a safe vehicle to travel in. If the tread on the tires is below 6/32", you’ll either need to invest in new tires or find a different vehicle for your teen to drive in the snowy weather. 

For more safety tips on driving in the snow in Las Vegas, please contact the Sage Insurance Services Inc. today. 

Five Safety Tips Every Pet Owner Should Know

When you live in Las Vegas, there are some safety tips that you should now as a pet owner. Knowing these will help to keep your dog or cat significantly safer, especially during the summer months.

#1: Get Creative with the Water Situation

Get creative when you put water down for your pet. Remember that it’s going to get hotter, and if your pet knocks over their dish or they drink it all, you want to make sure that they still have plenty. You can buy a dish that has a dispenser attached to it, or you can place multiple dishes around the house.

#2: Buy Paw Protection

Paw protection sound silly, but your pets need to have some kind of protection on their feet when they walk on the hot concrete.

#3: Invest in a Life Vest

If you enjoy boating, you probably want to bring your pet. Invest in a life vest that is meant to fit them properly, and pay attention to the weight of your pet versus what the life vest is made for.

#4: Get Your Pet on Preventative Meds

Take a trip to the vet to get your pet on some preventative medication for heartworm as well as flea and tick control.

#5: Avoid a Parked Car

You may be running into the store for “just a minute,” but you never truly know how long you are going to be in there. Leaving your pet inside of a parked car can be extremely dangerous, and cost your pet its life. As your dog pants, all of that hot air is going to get trapped inside and they could potentially suffocate.

Call us at Sage Insurance Services Inc. today. We’re happy to help you obtain quotes, make comparisons, and answer questions you have about home insurance in Las Vegas.

 

 

Motorcycle Deer Season Tips for Las Vegas Riders

Motorcycles riders in Las Vegas, Nevada are used to the large amounts of wildlife in their area and have learned to be wary on the road, as this can result in an accident that causes damage and minor injury at the very least, if not worse. However, deer season is an especially dangerous time, where herds of deer are prone to mindlessly crossroads directly in front of motorcyclists. If you hit one, it could mean serious injury or death, so here are some tips for motorcyclists when riding during deer season in Wheat Ridge, Colorado.

Spread Out When Riding in a Group

Motorcyclists often enjoy riding close together on the road. Don’t do this during deer season, as one of you may hit a deer or stop short to avoid hitting a deer, which will cause all of you to crash together and cause a painful, costly and dangerous accident.

Have Proper Insurance 

While it’s not inevitable, there is a higher likelihood you will hit a deer during this time of year. So make sure you have good insurance for yourself and your bike. Sage Insurance can help find you a policy that works for your needs, as they serve the greater Las Vegas, NV area.

Wear a Helmet

Even though it is Colorado law to at least wear a partial helmet, many motorcycle riders break the rules, because that’s part of riding a motorcycle. Yet if you hit a deer without a helmet, you’re most likely going to be badly injured if not killed.

One Deer Often Means Many More 

Where there is one there are often others following, so keep this in mind when you see a deer ways up in front of you.

Also, not speeding allows you to stop more quickly and have better control of your motorcycle. Just be mindful of this during deer season because you may have to stop at any time.

Contact one of our independent insurance agents at Sage Insurance and let us help you find the right coverage for you.

Choosing a Las Vegas, NV Independent Insurance Agent

Whether you’ve lived in Las Vegas, NV for a long time or you’re new to the area, you’re going to need insurance. Homeowners, renters, auto, life, and more can all be covered, but you want to make sure you’re paying a fair amount for your coverage and getting it from a company and an agent you feel comfortable with. One of the best ways to do that is to work with an independent insurance agent. They can help you get the coverage you need for a price you’re happy with and give you peace of mind in knowing you have the best insurance for your needs.

Independent insurance agents work with several different companies, so they can check the rates from all of those companies quickly and give you the information you can use to select the right policy for you. Your insurance agent can also give you advice about the policies and the companies offered, so you can decide based on more than just the cost of the coverage. While cost does matter when it comes to choosing insurance policies, it’s not the only consideration you want to address.

The reputation of the insurance company, how well they pay claims, and what kind of coverage options they have for you are all important, and all things you want to take a look at when you’re deciding on insurance coverage. With Sage Insurance, you can get the Las Vegas coverage you need and feel confident in your choices. It’s always nice to have an independent insurance agent on your side, and one that you can talk to about your coverage and options as your needs change. New cars, a change of homes, a new baby, and all kinds of other things can mean making changes to insurance, and that can be easier through an independent agent.

3 Tips for Displaying Items at a Garage Sale

Anytime you’re selling something, presentation is of the utmost importance. Even at a garage sale, it’s important to make sure the items you’re selling are displayed so that they catch people’s eyes but are safe. We at Sage Insurance Services Inc. have compiled a list of tips for showcasing items at garage sales.

How To Display Items at Garage Sales

When setting up items at a garage sale, there are two main considerations to keep in mind.

First, you want people to notice your sale from the road as they drive by. You can catch people’s eyes by placing large, enticing items near the curb and bringing everything you’re selling out onto your yard or driveway. If your items are hidden in your garage, people will be less likely to stop and peruse your wares.

Second, you also don’t want the items you’re selling to be stolen. Small valuables, in particular, should be kept close to where you’ll be during the sale so that you can watch them. While it’s fine to place large items near the curb, anything that could be easily pocketed and is worth a lot should be put in a safer location.

Make Sure Your Items Are Insured

In addition to keeping your small, valuable items secure, you should also make sure all valuable items that you’re selling are insured. It’s easy for thieves to take things from a garage sale, and you’ll want insurance if your stuff is stolen. In most cases, the items sold at garage sales would fall under the personal property coverage of an insurance policy and be governed by that coverage’s terms and conditions.

If you’re holding a garage sale soon, check to see if your personal property coverage protects the items you’ll have out for sale. If you need help checking and live in Las Vegas, NV, we can help you. Simply send us a message asking for assistance through our website.