From the Las Vegas Strip to Hoover Dam to the Great Basin National Park, there are many things to do and see in Nevada. You may own a home or a business or have other possessions like a boat or an ATV. Whatever you have and wherever you go, you will need a properly written Nevada insurance plan to protect yourself, your family and your assets.
A member agent of the Trusted Choice® network of independent agents can provide you with multiple Nevada insurance quotes to get you the best coverage at the lowest possible cost. Contact an agent today for all your insurance needs.
When you're on the hunt for the right insurance coverage, you have many, many options. There are companies everywhere vying for your business. It's a good idea to educate yourself about your options.
As a general rule, there are two kinds of insurance agents:
Independent agents live in your neighborhood and know about the risks you face. You can turn to an independent agent for insurance advice and be confident that you're getting unbiased, comprehensive information about the insurance you choose.
Nevada requires that all drivers maintain liability limits of at least $15,000 per person, $30,000 per accident for bodily injury and $10,000 property damage. This is the minimum requirement. Most drivers will want to carry higher limits to protect themselves adequately.
In addition to liability coverage, a complete auto policy will provide the following:
Most homeowners will insure their homes with a homeowners policy. But many homeowners do not realize that they can get the full replacement cost of the home if they carry adequate coverage limits to allow for that. A standard homeowners policy will protect you against the following types of losses:
Every policy has limitations and exclusions, and you should be aware of yours. You may not be aware of the following:
If you have exposure in these areas, make sure you get coverage with a rider or a separate policy.
Although a good business insurance program is a job for a professional, you should make sure that your Nevada insurance program includes these basic coverage options:
This would be a basic plan that almost every business should consider. If you have other exposures, your agent can help you address them separately.
You might want life insurance for one of several reasons:
Whatever your reason for getting Nevada life insurance, make sure you get the right type of insurance for your situation. You can choose term life, whole life, universal life or something even more unusual. You can also choose between an individual policy that covers one individual and a group plan that covers all people in a group, such as your employees.
The advent of the Affordable Care Act (ACA) is leading to many changes in the health insurance market. If you are seeking individual health insurance, you have several options:
You should know that if you have no coverage as of January 1, 2014, or if your coverage does not meet the requirements of the ACA, you will be subject to a fine.
Nevada had 102 deaths between 1982 and 2011 associated with ATV use. Nevada law generally prohibits the use of ATVs on public roads and restricts their use in state parks to designated areas only. There are hundreds of miles of approved off-the-road vehicle trails in Nevada. You are not required to carry ATV insurance, but if you own an ATV, you probably want to make sure you have adequate Nevada insurance protection.
An ATV policy can provide you with the following protection:
In order to reduce your risk of damage or injury, you can do some of these things:
No two people or businesses need exactly the same insurance program. It is important that you work with a professional agent, who can evaluate your needs and help you obtain the Nevada insurance that is right for you at the lowest possible cost. An independent agent can approach multiple markets to obtain the coverage and quotes necessary to complete your insurance program.
Contact a member agent of the Trusted Choice network today. Your agent can help you get the insurance that's right for you based on your specific needs, wants and budget.