3 Tips for Buying RV Insurance in Las Vegas, NV

Las Vegas, NV is the perfect place to park your RV. Making this city your RV home will give you easy access to surrounding states and all they have to offer. However, before you even drive or pull your RV out of the sales parking lot, you’ll want to make sure it is properly insured. Even if you don’t plan to live in your RV, you still need to protect this important recreational asset. Read on to learn how to save money when purchasing an RV insurance policy.

1. Compare Quotes

It’s important to look at more than one quote before deciding on a policy. Sage Insurance Services Inc. recommends you view at least two or more policies, carefully going over the fine detail to be sure you acquire the right policy at the right price.

2. Bundle Your Insurance Policies

Chances are you already have at least one insurance policy. This can be homeowner’s insurance, auto insurance, condo insurance, or another policy. If you’re happy with the insurance company you work with, take a look at their policy for RV insurance. If you find another policy you like better, consider switching any existing policies under a new insurance company. Either way, it makes sense to bundle your polices to save money on your monthly premiums. 

3. Work with a Reputable Agent

Looking for an RV insurance policy on your own is not recommended. It’s easy to miss something and then be totally caught off guard if and when you submit a claim. To ensure you get the right policy and understand it, work with a reputable agent to help you.

At Sage Insurance Services Inc. our knowledgeable and friendly staff will answer all your questions and concerns about RV insurance. Contact us today to learn more.

Can Roomates Share A Renter’s Insurance Policy?

Whether you are a homeowner or a renter Sage Insurance Services Inc. located in Las Vegas, NV will be able to aptly help you define exactly the right policy to fit all of your needs. Generally, renters insurance is for individual renters. However, roommates are able to have joint policies as long as they are documented as being on the policy. The documentation of a roommate is crucial because the insurance benefits will not automatically apply to the roommate if they are not related to the renter who is on the policy. 

Acquiring renters insurance is a smart move because it can protect you in the event of a robbery or some other stipulated circumstance that can occur that causes you to lose your property.  Some landlords require you to carry renters insurance in order to live on premises.  When you decide to rent a property with a roommate sitting down and having a conversation about renters insurance is in order.  The bottom line is that if you own valuable items and plan to store them in your rental space renter’s insurance will protect you. 

 The agents at Sage Insurance Services Inc. have been trained especially to help you determine what is going to work best for you. In addition to renter’s insurance, we are professionals in auto insurance, home insurance, life insurance, boat insurance, motorcycle insurance, trailer insurance, all-terrain vehicle insurance, as well as toy insurance which includes Jet-ski‘s. No matter what facet of your life needs protection we will be able to guide you to the very best policy to protect you. 

Call today to find out how we can formulate an appropriate renter’s insurance policy to fit your needs. Our telephone number is 702-547-1900 and our offices are located 1081 South Cimarron Rd STE. B-5 Las Vegas, NV.,

New Motorcycle Owner? Here’s What You Need To Know About Insurance Coverage.

If you’ve recently bought a new motorcycle, you’re probably eager to take it out for a spin around Las Vegas, NV, right? Hold on! You may think that the only protection you need is your safety gear, but if you don’t know the basics of motorcycle insurance coverage, your bank account could take a serious hit. Here’s what you need to know from the insurance experts at Sage Insurance Services Inc. 

Why Buy Motorcycle Insurance? 

Nevada state requires standard motorcycle insurance coverage by law, the same as if you are driving a car. And, if you have a lease or loan, your lender will usually require coverage as well. Motorcycle insurance can protect you from losing your Las Vegas, NV home, life savings, or both if you are deemed responsible for an accident having caused personal injuries or property damage. Your policy may also cover your medical bills if injured, damage from vandalism, and theft. 

What Types Of Motorcycle Insurance Are There? 

Liability insurance is the coverage legally required that most people think of when they think about insurance. There are two liability insurance categories: 

Bodily injury liability: This pays for any medical bills, pain and suffering, or loss of wages for people you kill or injure due to an accident that you cause or contribute to.  

Property damage liability: This pays to repair or replace any property of others you cause damage to during a collision, such as telephones or cars, and will help pay defense costs if you are sued due to a collision.  

You may want to consider buying more than the minimum amount of coverage required, and optional coverage such as uninsured/underinsured liability. One minor accident can cause a serious dent in your finances. If you have assets to protect, you’ll want to make sure you’re protecting them. To find the perfect motorcycle insurance policy to cover you and your new ride, call Sage Insurance Services Inc. Today.

Can Lifestyle Changes Affect Your Auto Insurance?

Lifestyle changes such as retirement, marriage, divorce or parenthood can affect your auto insurance. Lifestyle changes can alter your driving routine or habits, which may increase or lower your insurance costs. Changes that cause you to use your vehicle more could result in an increase in coverage. In like manner, if you use your vehicle less, you may be able to get by with less coverage.

If major lifestyle changes are in your future, talk to an agent at Sage Insurance Services Inc. in Las Vegas, NV for help in adjusting your auto insurance coverage. Here are a few examples of how lifestyle changes can alter your policy.  

Retirement

After retiring, you may use your vehicle less as you won’t be traveling to and from work on a daily basis. This could make you eligible for reduced auto insurance prices. As a senior, you may also qualify for lower insurance costs, especially if you have a good driving record.

Marriage

Marriage could qualify you for a multi-car discount by adding your spouse’s vehicle to your policy. If you own a home in Las Vegas NV, you can further reduce auto insurance costs by bundling it with your home insurance policy. On the flip side, if you get divorced, you may need to remove someone from your policy, which will reduce your insurance costs.

Parenthood

Having a baby may help you improve your driving habits, which will save you money on your auto insurance. You may also decide to buy a new family car, which could drastically alter your coverage, depending on the vehicle you buy.  

At Sage Insurance Services Inc. we can meet your auto insurance needs at any stage of your life. To learn more about your auto insurance options and costs, contact our Las Vegas office.   

Is It Too Late To Buy Life Insurance?

Aging has a way of sneaking up on us. One day you’re graduating from school and starting your life. The next, you’re making plans for retirement. What happens if, while attending to the daily business of life, you forget to buy life insurance along the way? Can seniors in the Las Vegas, NV area still benefit from a life insurance policy?

Can I Qualify for a Term Life Policy?

Companies like Sage Insurance Services Inc. offer term life insurance policies that cover a specific number of years. Seniors over the age of 75 will probably have a hard time finding this type of coverage. However, those who haven’t reached that level of maturity can still gain great benefits from term life coverage.

What About Whole Life Coverage?

Whole life insurance policies are designed to cover you until your death. There are very few restrictions related to age for these policies. For that reason, seniors who have neglected their insurance coverage are more likely to be accepted into these funds. These policies do accrue cash value over time that subscribers can use for emergencies and other investments. However, depending on your life span, you may not have enough time to gather enough cash in the fund for your own use. Any extra cash will go to your dependents.

What Can I Do With My Life Insurance Policy?

  • Pay final expenses. The Social Security death benefit is never enough to pay for burial expenses. Your life insurance policy will provide your dependents with enough cash to give you a proper going-home ceremony.
  • Pay other financial liabilities. If you still owe money on your home, automobile, or businesses, funds from your life insurance policy will help your surviving dependents pay these off so they aren’t burdened by debt.
  • Provide for your family’s future. The money from your life insurance policy can be used to pay for education, moving expenses, or as a nest egg for surviving adult dependents.

Sage Insurance Services Inc. offers life insurance policies for residents of all ages in the Las Vegas, NV area. Contact us to find out more about your late-life insurance options.

Does The Holiday Season Put Your Business at Higher Risk?

The Holiday Season is the busiest time of year for may businesses even if they are not retail. There are many inherit risks when it comes on increased productivity, however there are also holiday specific risks a business owner should be aware. At Sage Insurance Services Inc. we want your business to be fully protected from loss year round. We serve Las Vegas, NV and the surrounding areas. 

Business Risks Unique to the Holiday Season

  • Theft is an increased risk during this time of year. in retail, the larger amount of people in and out of your business increases the risk, but even in other businesses, there are higher levels of theft from employees and other people. Offset this risk with increased security, and awareness. Also, a risk when it comes to theft within a business is employee injury be sure to educate your employee about not putting themselves at risk in the heat of the moment if there is a theft or robbery. 
  • Holiday parties are a perk of this time of year. They are a great way for your employees to get to know each other better and build moral across the company. However they do pose certain risks and drinking on company property should be kept to a minimum, even better for your liability issues would be to rent a room in a local restaurant or hall. 
  • The roads can be increasingly hazardous, even in areas without snow. this is due to increased traffic from shoppers, family visiting each other, and tourist in Las Vegas. Be sure to educate your employees that drive a company vehicle on increased holiday driving awareness. 

Contact us at Sage Insurance Services Inc. for more information about your business liability during the holiday season. We serve the people of Las Vegas, NV and the surrounding areas. 

 

Auto Insurance for Teens with Permits

Having a learner’s permit is like a rite of passage for teens. While it is an exciting time for your teenager, it can be scary for the guardians or parents. Do you understand the reservations you have when you think of auto insurance? It is possible for your teenager to get behind the wheel as a young driver with auto insurance from Sage Insurance Services Inc. Read on to learn more.

Why consult with your insurer

Circumstances and insurance needs vary. Therefore, you need to talk to your insurance company instead of just assuming that your teenager is covered under your policy. In fact, if you don’t do that, you may end up paying a lot of money out-of-pocket for a loss that you assumed was covered under your auto insurance policy.

It is possible to get auto insurance with a permit?

In some circumstances, you can get a separate policy for your teen driver. This is another issue that you need to consult with your insurer about. When you double check with the insurer, you’ll get more information concerning the circumstances that may require your teenager to purchase a separate policy using the learner’s permit. For instance, your teenager may be required to purchase a separate policy if he or she owns the vehicle registered under his/her name. Moreover, this is an opportunity for you to discuss with the insurer on how to get the best coverage for your daughter or son when the full license is obtained.

How to pick the right learner’s car

It is important to know the type of car your teen will be driving while learning. If there is more than one car in your household, you should relegate the least flashy car with the highest safety rating to your teen during the learning period. Insurance companies tend to recognize muscle family cars built to go fast. So, to help reduce premiums, consider the car with the least insurance premiums. In other words, your insurance rates can increase significantly if your licensed teen is added to your auto insurance policy.

You can make significant savings on your auto insurance by making wise decisions in Las Vegas, NV. Are you considering adding a learner’s permit to your auto insurance? Contact us today at Sage Insurance Services Inc. for more information and guidelines on how to go about it.

 

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

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.