Is Your Porch Experiencing a Sinking Feeling?

Las Vegas, Nevada is the largest city in the state. It is the 30th largest city in the entire country. Our population exceeds 2 million, and according to the 2010 Census, there were over 190,000 housing units in the city.

If you own a house in Las Vegas, you are obviously not alone. But you are also not alone in the amount of problems that can come with home ownership. You can experience a roof leak or a plumbing leak. You can have a kitchen fire or a fireplace could cause a house fire. You can have a plumbing backup or someone could backup into your garage door. Of all the things that can go wrong with your home, perhaps nothing is more frightening than a foundation problem.

Your entire home rests on its foundation. But if you begin to see cracking walls, doors that no longer close easily or windows that are becoming harder to open, you may be experiencing a sinking foundation. It may not be your entire home’s foundation that sinks, though. Your porch, for example, is set on a different foundation from your home and could have problems of its own. Will your home’s sinking foundation or sinking porch be covered under your current homeowners insurance?

It may depend on the cause of your sinking foundation or if the condition was previously existing. The best way to find out is by getting a homeowner’s insurance review. A homeowner’s insurance review can refresh your memory about what is, and what is not, covered. It can point out shortcomings. More importantly, when you contact Sage Insurance Services Inc., we can search out improved coverage at better rates. That is because we are an independent agency. That gives us the freedom to work with multiple companies in locating the proper coverage at a price you will appreciate.

Contact us for an insurance review on your Las Vegas homeowners insurance. You can also get a homeowners or auto insurance quote online from our website. Find out how Sage Insurance Services Inc. can help you.

Can Technology Save Your Business Insurance Costs?

Las Vegas, Nevada isn’t just home to casinos and flashing lights. Many businesses incorporate in Nevada because of the tax advantages afforded to their businesses. Whether your business is a Fortune 500 company or you have a small startup, you can benefit from saving money in Las Vegas, including the costs associated with insurance. The following are three ways technology can save your business insurance costs. 

Purchase Telematic Devices
Telematic devices are computers that monitor and track drivers while they are driving. Some devices are capable of delivering real-time information about drivers. These devices are used by insurance companies to monitor drivers who subscribe to usage-based insurance services. With these devices in your business cars, you can keep an eye on drivers who are driving recklessly and reward those who are safe drivers, which will ultimately help you lower the costs of auto insurance.

Secure Your Data
Businesses, large and small, are on the defense when it comes to cyber attacks. Breaches involving big companies, such as Anthem, Home Depot, and Barnes and Noble demonstrate that no business with an online presence is immune to the attacks of hackers. Businesses must protect their data using multiple layers of security, and reinforce their position with the purchase of data breach insurance. 

Buy  Cars with Technologically-Advanced Safety Features
Cars that brake when too close to other cars, or cars that have forward collision avoidance are must-haves when employees are driving your business cars. These safety features exist to prevent accidents, which will help your business reduce the number of claims it has each year. By purchasing cars with safety features, you will save your business insurance costs, in the long run.

There are a number of ways to reduce the costs of commercial insurance using technology. To learn more about strategic measures your business can take to save insurance costs, contact our local office and talk to one of our knowledgeable insurance agents.

A Learner’s Permit In Las Vegas: How It Impacts Car Insurance

Las Vegas is the most well-known city in Nevada and is commonly known as Sin City because of all of the casinos. There’s always something going on within the city, whether it’s a slot tournament, a special event at one of the casinos, or a food truck get together on The Strip.

Car insurance is impacted when someone obtains a learner’s permit and therefore you need to know what the impact is.

The cost of the insurance is going to go up. The reason for this is because a young driver carries more risk. They may know the laws of the road, but they are still a newbie behind the wheel. They’re used to watching someone else behind the wheel instead of doing the driving and this can result in slower reaction times and accidents.

You want the person with the learner’s permit to be on your car insurance policy. If they get into an accident and are not on the policy, then it costs you a significant amount of money out of pocket. The car insurance company would deny the claim because they are not part of the coverage.

Car insurance is going to be impacted, but it doesn’t have to be significant. You can work with insurance agents to help you find the best policy in Las Vegas, Nevada. Our independent agents work with a number of companies and this allows us to find quotes to help you with the comparison process.

Insurance companies know that they are assuming some risk, but if the driver has good grades, is in a safe car, and has taken a driver’s education program, there may be ways to get a reduced premium. The agents will work on finding you as many discounts as possible. Make the call now and let us see what we can do for you.

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.

 

3 Optional Personal Watercraft Coverages to Consider

Owning a boat is a great way to beat the summer heat here in Nevada. However, making sure you are appropriately covered is the first step before embarking on some fun in the sun. Here are three optional personal watercraft coverages to consider for your boat insurance policy.

#1: Replacement of Personal Items

Sometimes accidents happen and your favorite items aboard your boat get lost in the water. Having coverage on your personal watercraft policy for replacement of personal items is a great way to get these things replaced. Most carriers will even pay for sunglasses, cameras, cell phones, clothing, and more depending on their policy limits.

#2: Roadside Assistance

Roadside assistance coverage on your boat insurance policy is very similar to your auto insurance policy. This coverage takes care of taking your personal watercraft to the nearest storage or repair facility should your tow trailer become disabled. This is incredibly handy should you get into an accident on the way to or from the lake.

#3: Wreckage Removal

Wreckage removal covers the cost of raising your personal watercraft should it sink due to accident or any type of prop damage. This coverage doesn’t cost a whole lot to add to your policy with most carriers compared to what it would cost if you had to pay out of pocket, a figure that can easily top hundreds or thousands of dollars.

Other potential coverage includes those for jet skis and those that pay for the cost of cleanup should you have a fuel spill.

It is s also vital to note that not all carriers offer these coverage options. Thus, it is very important to speak to your local Las Vegas or 89145 area boat insurance agent at Sage Insurance Services to find out what is available for you.

Don’t Throw the Dice on Las Vegas Car Insurance

Minimum mandatory liability insurance laws in Nevada permit inexpensive coverage because they don’t require much coverage at all. Yes, you’re covered up to your policy limits if you’re in an accident with somebody else and you’re liable. Up to your policy limits is the issue though.

To comply with Nevada’s financial responsibility laws, you’re required to carry only $15,000 liability per person, $30,000 per occurrence and $10,000 for property damage. That’s not nearly enough coverage for a serious accident, and it leaves you totally uninsured if you’re in a single car collision or hit by an uninsured or underinsured driver.

People come in and out of Las Vegas from across the globe. Many forget their thinking caps on the airplane when they get off. They pick their rental car up at the airport, and off they go. You don’t want to be sitting at a red light minding your own business when you’re suddenly hit hard by somebody with no insurance. You’ll discover quickly that your coverage isn’t going to pay for your car repairs, medical bills, lost earnings or temporary rental.

As independent insurance agents, we keep on top of our clients’ automobile insurance coverage. There’s just too much for our clients to risk without it. Our reputations ride with our service. Because we’re part of your community and live and work with you here in Zip Code 89145, we take special care of those reputations.

Independent insurance agents aren’t agents for just one company. We’ll access any number of very reputable insurance companies for you, and give you choices at the best coverage at the best prices. There’s more than one choice out there and we have them. Don’t try to beat the odds on your automobile insurance.

Compare Motorcycle Insurance Rates in Pahrump, NV

When comparing motorcycle insurance quotes, you should also look up auto insurance quotes at the same time. Most insurers offer discounts to customers who have more than one policy with them, so purchasing a motorcycle policy through the same company that insures your car will likely save you money. Getting both motorcycle and auto insurance quotes from multiple insurance companies’ websites, though, is tedious. As an independent insurance agency in Las Vegas, NV, we are able to ask you one set of questions and provide quotes from all the major insurers that offer both motorcycle and auto insurance in the area.

Input Your Information Once

With our website, you only need to input your information once. There is no reason why you should need to fill it out on every insurance company’s website, just to get a quote from them. Your information does not change each time you enter it, so we can use it to get a quote from any insurance company.

An Independent Agency

Unlike agencies that are tied to one specific insurance company, we are an independent insurance agency. That means our online quote tool will not pull rates from just one company, but it will look up the premiums of each insurer you could purchase a policy from. Our website will show you quotes side-by-side, so you can see which one is truly the lowest premium for the best policy.

Get Your Quote Online

To provide you with a quote, we do not need a lot of information. Chances are that you can easily access everything you need to get motorcycle insurance quotes right now. Why not take the few minutes required to see how your policy compares to the others available in Laz Vegas?

Benefits of Having Dental Insurance in Las Vegas, NV

Many people forgo dental insurance, viewing it as an additional expense that they may never see the benefit of. This type of insurance, however, offers several benefits and is a wise investment for almost every person.

Budget Dental Expenses

For a family of four, even routine dental expenses can become costly. A cleaning may cost $100, or more, and then children periodically need additional treatments as they age. While the specific amount will vary, a couple with two children may spend as much as $1,000 on preventative dental treatments in a calendar year.

With a dental policy, these expenses can be budgeted throughout the year. Rather than facing a large bill when everyone goes to the dentist, you can pay a flat monthly premium. To see what your premium might be, get a quote on our website.

Do Not Delay Treatment

When properly insured, there is no need to delay a dental treatment for financial reasons. As long as you go to an in-network provider, the majority of your expenses should be covered by the insurance policy. To see if your current dentist is one of our insurer’s in-network providers in Las Vegas, NV, check the list on our website.

Purchase Dental Insurance Before Your Next Toothache

If you do not currently have a dental policy, look up available policies and their premiums on our website. It only takes a few minutes, and you may be surprised at how inexpensive dental coverage can be. Of course, you have to purchase it before your next toothache. If you delay, you might have a headache paying for treatment, in addition to the toothache.

What are my rights as a passenger in a car that has been in an accident?

When you’re a passenger in a car that is in an accident, it’s natural to feel helpless. You have no control over the car, you can’t avoid the accident, and you often have no idea what kind of insurance coverage the other driver or even the owner of the car has. While there are things you have no control over, it’s good to know that in Las Vegas, NV, you do have the right to compensation as a passenger in a car accident.

The key to getting compensated after an accident is to know who is at fault, so that you can pursue compensation with them. In order to sue someone for compensation in this state, they must be found to be at least 51 percent at fault in the accident. Passengers who are victims of a car accident have the right to seek restitution for damages to their vehicle, injuries, pain and suffering, and their expenses related to the accident, such as lost wages. Sometimes these things will be settled almost automatically by the insurance companies, but other times it may be necessary to file a lawsuit against the at-fault driver. This can especially be problematic if the at-fault driver is a friend or family member who happened to be driving the car that the passenger was in. Passengers in Nevada who are in an accident even have the right to sue multiple parties, as long as they are all found to be at least 51 percent at fault.

After a car accident is not the time to learn how insurance works and what the limitations are. You should talk to an agent now to make sure that you, and the fiends you ride with, have enough insurance to keep you safe. As your independent agent in Las Vegas, you should come to us immediately with any questions you may have about car insurance, or visit our website for the chance to compare quotes on auto insurance today.

How can I save money on my business owners insurance?

Las Vegas, NV is known as the ultimate tourist destination, the type of place that you have to visit at least once in a lifetime. It is also a land of excellent opportunity when it comes to small business owners. You have a great deal of tourist and local traffic moving in and out, but with the cost of living you may be concerned about how to cut costs when it comes to your business owners insurance.

One of the easiest ways to cut down on your business owners insurance is to see whether your insurance provider has multi-policy discounts. If you bundle together multiple policies for your business under the same company, you often get a sizeable discount. Since you often need many types of policies under a business owners insurance umbrella, you probably already have multiple policies scattered about.

Another area where you may be able to cut costs is using the latest equipment and technology within your building. New technology has greater safety features than older, outdated equipment, making your work environment safer and reducing the cost of claims that come the insurance company’s way. The insurance company may offer specific reductions if you adhere to optional safety standards for the workplace.

Security measures also help cut down on insurance costs, as well as saving you the stress of dealing with lost inventory, theft, and damages. Some security measures to consider include heavy duty firewalls for your computer networks, biometric access to sensitive areas of the building, and keycard controlled front doors that limit access to employees who have the proper permissions to be in that area.