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. 

6 Essential Items for Las Vegas Drivers This Winter

If you live in Las Vegas, you probably don’t need to store a snow shovel in your car, but there are several other items that you will find handy this winter. 

  • Jumper Cables – The desert heat and lack of humidity makes battery fluids evaporate faster, and batteries are prone to die when the temperatures drop. Batteries that are meant to last several  years can surprise you by shorting out after just one or two.
  • Spare Tire / Iron – This is a year round must have. Especially with all the construction happening in Las Vegas, there is a lot of debris in the road that can wedge itself up into your tire, which always seems to happen when you’re in a hurry to an important place. Having tire sealant on hand (and knowing how to use it) is a good idea too.
  • Extra windshield wiper – Vegas heat is notorious for dry rot, and windshield wipers are a common victim of the desert sun. The wipers are prone to complete disintegration, which you aren’t likely to notice until the moment torrential rains are making everything outside your windshield completely invisible.
  • Multitool – Look for things specific to auto travel, like a seatbelt cutter, a window breaker, a screw driver, a flashlight, etc. In the desert, there is a higher chance of rain than snow and nowhere for the runoff to go, which is why a moderate sprinkle can cause several inches of water buildup on the roads.  
  • Auto Emergency kit – Many cars come stocked with everything from work gloves to tow rope. You can buy them, too.
  • Proper auto insurance – There’s no way to prepare for every single kind of emergency. Your best bet for those situations is to be insured against them. Head over to Sage Insurance Services Inc. to make sure you are ready for anything.

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.

 

 

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.

 

Auto Insurance Discounts As A Student

It is important to save as much money as possible on auto insurance. When you live in Nevada, there are discounts that are available to you as a student. Knowing about these can ensure you get the best rates out there. Not all companies offer them, and you may not qualify for all of them, but knowing what is available is half the battle.

Good Grades

Good grades can go a long way to helping you save on auto insurance. There are various insurance companies that will provide a discount, and how good your grades are will determine just how much your discount is. Some companies will even give a bonus discount if you are on the honor roll or make the dean’s list.

Low Mileage

If you can show that you don’t drive a whole lot, you may be able to qualify for low mileage discount. If you live on campus or close by, this may be all you need in order to receive a discount. When you are ready to get quotes, be prepared to identify how many miles you drive on a regular basis.

Defensive Driving

There are various defensive driving courses that can be taken, and this can help to drive the cost of insurance rates down considerably.

Clean Record

No tickets and no accidents will make for a clean record – and insurance companies look for this sort of thing. If you can maintain a clean driving record, it will show that you are low risk, and insurance companies will reward you with a more affordable policy.

At Sage Insurance we are prepared to help you find discounts as a student on your car insurance. Call today and let one of our agents work to find a policy for you in Las Vegas, NV.

 

 

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.

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.

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.