What Types of Policies Can You Bundle Home Insurance With?

Posted on November 26, 2025November 13, 2025 by admin

If you want to save money on your home insurance, one of the most common and easiest ways to do so is to bundle it with other policies. This common practice can result in considerable savings on your premiums, yet you can’t bundle your homeowner’s policy with all the policies offered by a carrier. The professionals at Amerisent Insurance, serving Las Vegas, NV, can advise you on how to achieve this discount.

Most Common Ways to Bundle Home Insurance

The most common insurance bundle involves buying your auto insurance policy from the same company as your home insurance. Many carriers also offer significant discounts on a triple bundle when life insurance is added. Other possible policies you can bundle with a homeowner’s policy include:

Renter’s
Condo
Umbrella
Home business
Recreational vehicles

Why Bundling Policies Saves You Money

When you bundle, you’ll receive a discount on every included policy, as insurers consider this practice a loyalty discount. You’ll only have to manage one bill and billing date, which reduces the chances of missing a payment. The carrier also saves on administrative costs when you bundle, passing those savings on to you. It’s also easier to manage claims when you bundle, especially when a claim applies to multiple policies. In such cases, you may only have to pay a single deductible.

Bundling Isn’t Always Less Expensive

Although bundling makes sense for most consumers, it isn’t always cost-effective. If you need a specialized policy to cover a luxury car or need special endorsements for your home, you may do better with separate policies from different insurers. Shop around to compare rates among carriers.

The professionals at Amerisent Insurance, serving Las Vegas, NV and surrounding areas, can help you compare policies so you’ll get the best rates for your bundled home insurance. Contact us today.

Can You Drive Your New Car Off the Lot If You Don’t Have Insurance?

Posted on October 31, 2025October 24, 2025 by admin

Buying a new car can be a process, especially if you need to buy car insurance. In most states, car insurance is an essential part of driving a vehicle. If you need auto insurance, the professionals at AmeriSent Insurance, serving Las Vegas, NV, can help. Here’s what you should know about car insurance if you’re buying a new vehicle.

Is Auto Insurance Required for Driving a Car?

Auto insurance is a requirement for driving a vehicle. Auto insurance is important because it helps protect other drivers from financial risk if you cause a collision.

Auto insurance can also help you avoid financial risk if something happens to your vehicle. If you have the right kind of coverage, you can use insurance to repair or replace your vehicle when a covered event occurs.

Can You Buy a New Car Without Auto Insurance?

If you already own a car and have a car insurance policy to cover your existing vehicle, your auto insurer may give you a grace period to add the new vehicle to your policy. You’ll have to call your insurer to find out what the grace period is.

If you do not already have insurance, the car dealership may require you to get insurance before you’re allowed to drive the car off the lot. Additionally, if you’re getting a car loan, you will most likely be required to prove that you have full-coverage auto insurance before you can borrow the money.

How Can You Get Auto Insurance When Buying a New Car?

If you are buying a new car, contact the insurance professionals at AmeriSent Insurance, serving Las Vegas, NV. We work with many carriers and can help you find a car insurance policy that meets your needs.

Errors and Omissions Insurance: What is and isn’t Covered

Posted on September 30, 2025September 24, 2025 by admin

A staggering 90% of businesses experience a lawsuit at some point in their existence. In some cases, a Las Vegas, NV, business’s liability coverage is sufficient to handle claims related to marketing, defective products, bodily injury, or property damage. However, if an employee makes a mistake that harms one or more of your customers, you will need errors and omissions insurance (E&O coverage) to claim compensation for the damages.

E&O Insurance: Understanding Coverage and Coverage Limits

Errors and omissions insurance protects against honest mistakes that may result in your clients incurring time and financial losses. It provides compensation for claims related to inadequate work or negligence and covers not only legal fees but also settlement costs. Generally, it is designed for situations where your business fails to meet industry standards for customer care and service. This type of insurance is especially important for companies in service industries, but even businesses that sell physical goods can benefit from E&O coverage.

It is important to note that errors and omissions insurance does not cover illegal or criminal acts. If one of your employees breaks the law, an E&O policy will not provide compensation, even if you were unaware of the employee’s actions. Additionally, it does not cover mistakes that result in pollution or those caused by financial problems your business is facing. Furthermore, errors and omissions insurance does not cover discriminatory words or actions.

Need Commercial Insurance? Give Amerisent Insurance a Call

Amerisent Insurance serves businesses in and around Las Vegas, NV, offering access to commercial insurance policies from over sixty leading insurance providers. Contact us today to learn more about errors and omissions coverage or to explore our other coverage options. Our team is ready to answer your questions and provide expert advice to help you select the best policy or policy bundle for your needs.

Short-Term Rentals in Las Vegas: What Homeowners Need to Know About Insurance

Posted on August 29, 2025August 21, 2025 by admin

Las Vegas, NV, is one of the top tourist destinations in the U.S., known for its vibrant casinos, entertainment, and a steady stream of visitors. For many homeowners, this presents an opportunity to earn extra income by listing their home on a short-term rental platform. However, opening your home to strangers involves more than just handing over the keys. Without the right insurance coverage, you could be putting your home at serious financial risk.

Why Short-Term Rentals Change Your Insurance Needs

Here’s the reality: Standard homeowners insurance typically does not cover damage caused by short-term rental guests. These policies are designed for personal living spaces, not business activities. As a result, damage or liability caused by rental guests is often excluded from coverage.

Another common misconception is that the short-term rental platform’s insurance will cover everything. While platforms like Airbnb do offer some insurance, their coverage often has significant limitations and exclusions. Relying solely on platform insurance could leave you vulnerable to unexpected costs.

Why "Platform Insurance" May Not Be Enough

Platforms like Airbnb often present their insurance as comprehensive, but the truth is far more complicated. A long list of exclusions typically limits coverage. For example, if a guest’s friend gets injured on your property, you might be responsible for the costs. Counting on platform insurance alone is a risky gamble—and even though you may live in Las Vegas, NV, gambling with your financial stability is never a good idea.

The Risks of Hosting Short-Term Rentals

Short-term rentals fundamentally change the nature of your home. It’s no longer just a personal space; it becomes a business asset with strangers coming and going. This increases wear and tear, liability risks, and other uncertainties. At Amerisent Insurance, we’ve seen how one overlooked gap in coverage can turn a profitable rental into a financial nightmare.

Protecting Your Home and Reducing Risks

The good news is that finding the right insurance coverage for your short-term rental doesn’t have to be complicated. Our experts will work with you to design a policy that protects your home and minimizes risks so that you can host with confidence.

Get the Coverage You Need

If you’re listing a short-term rental in Las Vegas, NV, don’t gamble with incomplete coverage. Contact Amerisent Insurance to discuss the protection that fits your needs. No runaround, no unnecessary upsells, just clear, reliable coverage to help you host with peace of mind.

Questions to Ask Your Insurance Agent When Getting Auto Insurance

Posted on July 31, 2025July 25, 2025 by admin

Auto insurance is a crucial type of coverage required for owning and driving a car. If you’re purchasing a new vehicle, you’ll need auto insurance before you can drive it off the lot. When shopping for auto insurance, asking the right questions can help ensure your policy meets your needs.

Your insurance agent is a valuable resource during this process. That’s why many people turn to Amerisent Insurance, servicing Las Vegas, NV, for their auto insurance needs. At Amerisent Insurance, we provide detailed information to help our customers navigate the insurance process. Below are some key questions to ask your insurance agent when shopping for auto insurance.

How Much Is the Premium?

Auto insurance premiums can often be paid monthly, semi-annually, quarterly, or annually, depending on the insurance company. Many providers offer discounts for paying a larger amount upfront. If you’re on a budget, your insurance agent can help you determine the cost of your monthly premium and explore payment options that work for you.

What’s the Deductible?

The deductible is the amount you’re responsible for paying out-of-pocket when filing a claim. Typically, a lower deductible corresponds to a higher premium, while a higher deductible results in lower monthly payments. Your insurance agent can help you determine which deductible and premium combination is best suited to your financial situation.

What’s Covered by This Policy?

Coverage varies between auto insurance policies. Understanding what’s included in your policy—such as liability, collision, or comprehensive coverage—can help you determine if it’s the right fit for your needs.

Need Auto Insurance? Contact Us

Are you in need of auto insurance? The experienced agents at Amerisent Insurance, servicing Las Vegas, NV, are here to help you find the policy that’s right for you. Contact us today to get started.

Do I Need Commercial Insurance For a Dropshipping Business?

Posted on June 30, 2025June 24, 2025 by admin

Running a dropshipping business may seem like a low-risk way to earn online income, but it’s not without financial exposure. Even though you don’t handle inventory or shipping products yourself, your business can still face legal claims, data breaches, or supplier errors that impact customers.

This is where commercial insurance with Amerisent Insurance, serving Las Vegas, NV, becomes a proactive and innovative move.

Product Liability Still Falls on Sellers

Dropshipping removes you from the physical product, but not from responsibility. If an item you sell causes injury or fails to meet safety standards, your business could be included in a lawsuit, even if the manufacturer is overseas. Product liability insurance helps cover legal fees, settlements, and other costs tied to product-related claims.

General and Cyber Liability Are Worth Considering

Even without a physical storefront, general liability insurance can be a valuable asset. It protects you from claims involving misleading advertising, reputation damage, or accidental copyright infringement. Cyber liability is also worth considering. Since dropshipping stores rely heavily on customer data, a security breach could lead to lawsuits or fines, especially if payment or identity information is compromised. Just because you don’t have a physical presence doesn’t mean you’re untouchable.

Growth May Trigger Insurance Requirements

As your business scales, you may hire remote contractors or expand to platforms that require insurance. Some e-commerce providers ask for proof of coverage before approving certain integrations.

If you outsource customer service or content creation, professional liability insurance may also apply, so it’s worth considering.

Though not legally required, commercial insurance offers peace of mind. It demonstrates professionalism and prepares you for problems before they become expensive setbacks. With the right policy in place, you can protect your store, strengthen vendor relationships, and focus on growing your dropshipping brand. Protect your business with the help of Amerisent Insurance, serving Las Vegas, NV. Get in touch today.

Home Insurance: The Impact Of Installing A Pool

Posted on May 30, 2025May 28, 2025 by admin

Pools are a fantastic way to unwind and soak up the sun, offering endless hours of enjoyment for the whole family. However, it’s important to note that pools can influence your home insurance. Here are a few considerations before you start installing a pool.

Higher Premiums

Many insurance companies in Las Vegas, NV, view a pool as a structure that may need to be replaced in the event of damage. These companies will take into account the total replacement cost of the pool when deciding how much to raise your insurance. For instance, a large in-ground pool will be more expensive to replace than a smaller above-ground pool.

Increased Liability Coverage

Most home insurance companies suggest increasing your liability coverage once you install a pool. This is also recommended if you acquire a trampoline or any other item that could potentially cause injuries. You could be sued for injuries occurring in your pool, and your home insurance liability coverage can assist in paying for damages, including bodily injury. However, they suggest more coverage as medical bills and lawsuits may surpass your current liability coverage.

It’s always advisable to consult with a professional agent at an insurance company like Amerisent Insurance to determine whether you need more liability coverage before installing a pool.

Safety Measures

Many insurance companies require safety measures to decrease your liability risk. Homeowners who don’t have specific safety measures risk losing insurance coverage. Many companies require a fence around the pool and a locking gate as they’re considered attractive nuisances. This means you could be held liable if a child gets hurt, even if the child trespasses on your property, because the open pool attracts them.

Agents at Amerisent Insurance can assist you in understanding how pool installation will affect your home insurance. Contact us today to learn more. We’re currently serving the Las Vegas, NV, area.

What “At-Fault” Means in an Auto Insurance Claim

Posted on April 30, 2025April 28, 2025 by admin

When you’re involved in a car accident, one of the initial questions that arises is: Who was at fault? While it may seem straightforward, determining fault in an auto insurance claim can be somewhat more intricate than it appears. At Amerisent Insurance, serving the greater Las Vegas, NV community, we’re committed to helping our clients understand how these decisions are made and what they mean for their coverage.

Deciphering Fault in Simple Terms

In the realm of insurance, "at-fault" refers to the individual who instigated the accident, either entirely or partially. This determination isn’t always clear-cut. At times, both drivers may bear some responsibility. In such instances, fault is apportioned based on the percentage of blame—a concept known as comparative negligence. For example, one driver might be 70% at fault while the other is 30%. These percentages can directly influence how insurance payouts are managed.

The Importance of Determining Fault

Being found at fault can impact your insurance in several ways. It may affect whether your insurance covers the damage to your vehicle, the amount of your deductible, and whether your premium might increase. Each state has its own regulations about how fault impacts claims, which is why collaborating with a local provider who understands Nevada’s laws is crucial.

Guiding You Through the Process

At Amerisent Insurance, proudly offering auto insurance to residents in and around Las Vegas, NV, we’re here to assist you through every step of the claims process. Understanding how fault is determined can help you make informed decisions after an accident. If you have questions or need help reviewing your current policy, don’t hesitate to contact us. We’re dedicated to keeping you informed, protected, and confident on the road.

Commercial Insurance Protects You From False Advertising Lawsuits

Posted on March 28, 2025March 27, 2025 by admin

Sometimes, a person may feel that your business didn’t deliver on a promise you made through an advertisement, and they initiate a lawsuit for false advertising. You then have to defend yourself against the claim with the help of a lawyer. If you have a commercial insurance policy, your insurer will provide one if you have a valid defense. At Amerisent Insurance in Las Vegas, NV, our goal is to ensure our business customers have the right type of insurance to cover themselves in the event of a lawsuit.

How Commercial Insurance Defends Your Business Against a False Advertising Lawsuit

Getting sued for false advertising initiates a legal process that puts you on the defensive. When someone takes legal action against your business, they have to serve you with a notice. Once you receive the notice, contact your commercial insurance company and tell them you need assistance.

The insurer assigns you a lawyer who can handle the plaintiff’s claim that you willingly put out a false advertisement for a product or service. Once the lawyer takes over the case, you can continue operating your business knowing that the lawsuit is in capable hands.

When Commercial Insurance Won’t Cover Your Lawsuit

If you knowingly and willingly engaged in false advertising, the insurance company won’t cover you in the event of a lawsuit. The insurer considers this a deliberate act, and you’ll have to retain an attorney on your own.

Contact Us Today to Learn More About Commercial Insurance Lawsuit Coverage

At Amerisent Insurance in Las Vegas, NV, we understand the importance of protecting your business against a lawsuit. Our team is here to help you learn more about how commercial insurance provides you with a legal defense, and what happens when you make a claim. Get in touch with us today to learn more.

Do you need additional liability coverage on your home?

Posted on February 28, 2025February 26, 2025 by admin

Owning a home is part of the American dream, and home insurance helps prevent it from becoming a nightmare. However, it’s important to consider the amount of coverage you need to protect yourself adequately. In Las Vegas, NV, it’s essential to consider all the factors that can increase the risk to you and your home from legal action. At Amerisent Insurance, we have the expertise to help you make the right decision about your liability coverage.

Your Assets Have Increased

As your personal value increases, you need to consider whether you need to have more liability coverage on your home. Liability covers legal actions that are filed against you. Unfortunately, the more you are worth, the bigger a target you are. You may want to consider adding an umbrella policy to increase your coverage even more.

You Have a Swimming Pool

Some things at your home increase your liability, and a swimming pool is one of them. Not only will you usually have people over to join you in the pool, but pools are a magnet for kids, and kids and water are never a good combination.

You Have a Trampoline

Kids love trampolines; that goes without saying, but you need to take as many precautions as possible to ensure that yours is as safe as possible. Extra liability insurance can save your home.

You Have a Dog

Dogs may be man’s best friend, but they are not your home insurance’s best friend. Some dogs are considered such a big risk that your home insurance won’t cover them. Talk to your insurance agent about what breed you have.

For personalized service, contact Amerisent Insurance in Las Vegas, NV, to ensure you have the necessary home insurance coverage.