Personal Insurance

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Auto

Whatever you drive on the public roadways, you are required by the State of NV to have liability insurance in place for the “other guy”. It protects you against financial losses in the event of a covered loss such as an at fault accident. How much do you need? What are the options? We’ll give you our recommendations based on your unique situation. We hear the term full coverage insurance all the time. There is no such thing. Reach out to us and we’ll explain why.

These are the main components of coverage on an auto policy:

Bodily Injury Liability
Protects your assets in the event you are found liable and injure another party.

Property Damage Liability
Protects your assets in the event you are found liable and damage someone’s property.

Medical Payments
Can help with medical expenses associated with an auto accident for occupants in your vehicle regardless of fault.

Uninsured/Underinsured Motorist
Pays if you are injured by another party that either doesn’t have enough insurance to cover your bodily injury damages or they weren’t identified.

Comprehensive
Often referred to as other than collision coverage, this protects your car in the event something damages your car that is not a fixed or moving object.

Collision
Protects your car as a result of an accident with a fixed or moving object.

Home

A standard homeowners insurance policy is also known as a “fire policy”. It insures your home’s structure (Dwelling) as well as your belongings (Personal Property) in the event of a covered loss, such as a fire as well as other risks depending on the policy and it’s endorsements

These are the main components of coverage on a home policy:

• Dwelling
The amount a homeowners policy will pay to rebuild your house, condo, or other place of residence.

• Other Structures
Helps pay to repair or replace structures such as a fence, shed or separate building on your property.

• Personal Property
Helps pay to repair or replace your belongings after a covered loss.

• Loss Of Use
Reimburses you for additional expenses incurred when you can’t use your property.

• Premises Liability
Comes into play in personal injury cases where the injury was caused by some type of unsafe or defective condition on your property.

• Medical Payments
Covers minor injuries and hospital bills to guests on the property regardless of fault.

Renters

This covers unexpected events that your landlords or property managers policy would not. It could cover your personal property, a theft, a visitors break in, and a dog bite to name a few.

Umbrella

This provides an extra level of protection. It is excess liability coverage that protects you if your liability limits are exhausted on your auto, home or other underlying insurance policy. Imagine a giant umbrella covering all your assets.

Specialty

Got toys? We insure boats, watercrafts, motorcycles, ATVs, off road, RVs, fifth wheels, travel trailers. Just like auto and home, we work with many top-rated carriers and will shop your insurance to ensure you get the most competitive rates.

(702) 242-9000
8919 West Sahara Avenue
Suite 150
Las Vegas, NV 89117
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