Nevada Insurance All Your Needs In One Place

Homeowners insurance in Nevada covers all the major components of the home, from its structure to your personal property. These are the four major coverages you can expect to find in your policy:

• Personal liability coverage: If you get sued by a neighbor, guest, worker, or other third party for claims of bodily injury or personal property damage, this coverage can reimburse the costs of the lawsuit.
• Additional living expenses coverage: If your home gets badly damaged by a covered disaster like a lightning strike and requires extensive repairs, this coverage can reimburse for the costs of a hotel room, takeout meals, extra gas mileage, and more while you have to live away from home.
• Structural coverage: If your home's structure or dwelling gets damaged or destroyed by a covered disaster like vandalism, falling objects, etc., this coverage can reimburse for the costs of repairs or rebuilding.
• Personal property coverage: If your personal belongings or home contents like furniture, clothing, etc., get stolen, damaged, or destroyed by a covered peril like a fire, this coverage can reimburse for the costs of repairing or replacing it.

If you need home insurance in Nevada, talk to an independent insurance agent.

Car insurance in Nevada starts with the coverages needed by drivers nationwide. These include:

• Medical payments: Reimburses the costs of medical treatments to the driver and/or their passengers after an accident.
• Uninsured motorist coverage: Reimburses the costs of physical damage repairs to the vehicle and medical treatments for injuries if someone gets into an accident with a driver who doesn't carry any or enough coverage of their own to pay for their responsibility of the expenses.
• Collision: Protects against physical damage to your car after an accident with another vehicle or object.
• Comprehensive: Protects against threats to your vehicle other than collision, including theft, vandalism, fire damage, certain types of storm damage, windshield breaks, and more. 

Nevada also requires these coverages by state law:

• Bodily injury liability: Nevada requires all drivers to carry at least $25,000 per person and $50,000 per accident of this coverage, which reimburses the costs of injury treatment to another driver and their passengers after an accident that you're at fault for. 
• Property damage liability: Nevada requires all drivers to carry at least $20,000 per accident of this coverage, which reimburses the costs of repairing a third party's property or vehicle after you physically damage it with your own vehicle.

You can find the auto coverage you need through a local independent insurance agent.

Business insurance in Nevada offers protection for a business's property, buildings, vehicles, workers, and more. Policies can be customized to meet a specific business's needs based on its industry, operations, etc., but standard business insurance policies start off with the following:

• Commercial general liability: Reimburses the costs of a lawsuit if a customer or other third party sues the business for claims of personal property damage or bodily injury.
• Workers' comp insurance: Reimburses the costs of injury treatment, rehabilitation, lost wages, and more if an employee gets injured or ill due to their job or the job environment. Coverage can even reimburse the costs of a funeral if the employee dies due to their job.
• Commercial vehicle insurance: Reimburses the costs of physical damage repairs, vehicle replacement, or lawsuits if a company vehicle or vehicle used for business purposes gets involved in an accident, gets vandalized, gets involved in a lawsuit, etc.
• Commercial property: Reimburses the costs of repairing, rebuilding, or replacing a business's property, including the physical structure and inventory, if it gets stolen, lost, damaged, or destroyed by a covered peril like a fire.

Before getting coverage for your business, talk to an independent insurance agent to make sure you get the best plan for your situation.

Workers' comp insurance in Nevada provides protection for a business against employee lawsuits if a worker gets injured, ill, or dies due to work duties or the workplace. Coverage can reimburse the costs of medical treatments for injured or ill employees, as well as the costs of rehabilitation to get the employee back to work. It can even cover funeral costs if an employee dies due to their work or job site. 

In the state of Nevada, all private employers with one or more employees must carry workers' compensation. Having this coverage exempts the business from employee lawsuits if a related incident occurs. You can find the coverage you need for your business through a local independent insurance agent.

Restaurants in Nevada need the same coverages as all other businesses, which means they'll start with a regular business insurance policy. From there, the restaurant insurance gets customized to meet the needs of a restaurant, which typically means adding these coverages:

• Equipment breakdown insurance: Covers boilers and other large appliances used by the restaurant against fire damage and other disasters.
• Spoilage coverage: Covers food and other lost inventory spoilage due to a covered disaster like an extended power outage.

Your restaurant insurance in Nevada may look a little different, but these are coverages most commonly added by businesses in the food industry. Talk to an independent insurance agent to find the best plan for your situation.

Commercial vehicle insurance in Nevada reimburses the costs of disasters that impact company vehicles. Physical damage repairs, vehicle replacement, etc., can be covered if a business vehicle gets involved in a traffic accident, or gets stolen or vandalized. Lawsuit costs can also be reimbursed if an employee causes property damage or bodily injury to a third party with a company vehicle.

You can find coverage for your vehicle or fleet through a local independent insurance agent in Nevada.

Umbrella insurance in Nevada extends the liability coverage included in another policy you have, like home insurance, boat insurance, business insurance, etc. An umbrella insurance policy comes with liability coverage in increments of $1 million or more. Adding umbrella insurance to another policy can greatly increase your chances of having enough liability protection to cover an entire lawsuit.

If you need the extra coverage that umbrella insurance offers, talk to a local independent insurance agent to find the plan for you.

Renters insurance in Nevada provides the coverage needed by renters of various types of homes. It's essentially a home insurance policy minus coverage for the dwelling, since that's covered by the landlord's policy. But renters insurance policies include coverage for your personal property against theft, damage, and destruction, as well as for your personal liability if you get sued by a third party. It can even cover additional living expenses if you must live somewhere other than your apartment, etc., while repairs are going on after a covered disaster like a fire.

Whether you need renters insurance due to a requirement from your landlord or by choice, you can find a plan through a local independent insurance agent.

Life insurance in Nevada can help cover your final expenses after you pass away. In Nevada, residents can choose from several types of coverage, including term life insurance, whole life insurance, and universal life insurance. This coverage can be used to pay off remaining debts after the policyholder dies, to set aside funds for surviving dependants' education, or to allow a surviving spouse to maintain their current standard of living.

Purchasing life insurance is a big decision, and an independent insurance agent can help walk you through the process.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

An independent insurance agent in Nevada can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in Nevada to find you the right coverage at a great price.