Home dwelling and property insurance protect your house and belongings from events that can cause financial loss. But what about injuries or property damage others may sustain from an accident in or around your home? That’s what home liability coverage from Amerisent Insurance, serving the greater Las Vegas, NV region, is all about.
Understanding Liability Coverage
As a homeowner, you’re responsible for the safety and welfare of people visiting your property. If an accident occurs that causes someone bodily harm, you may be held liable for their medical costs. Liability insurance covers these expenses for you to protect your personal funds. In like manner, if your kids put a dent in a guest’s car while playing soccer in the yard, liability insurance will cover repair costs. If you own a dog and he’s covered under your policy, you’re even protected against injuries or property damage your pooch may cause others when they visit your house or come into your yard.
Importance of Liability Coverage
Accidents on the home front are quite common. A slip and fall on the stairs or on a slippery driveway could easily result in a broken bone or concussion. If your home has a pool, large yard, or trampoline, there’s even more risk of accidents happening when friends and family gather for the holidays. Liability insurance can give you peace of mind that you’re protected against any eventuality.
Lack of liability coverage doesn’t mean you won’t be held liable for accidents that occur on your property. On the contrary, there’s a good chance you’ll be covering the expense of those accidents out of pocket, even if you have to dip into your savings or retirement funds. That’s why it’s important to protect yourself from the unexpected.
We Are Here To Help
To discuss liability coverage options for your Las Vegas, NV home, contact your Amerisent Insurance agent today.
Auto insurance coverage is available for common vehicle vandalism such as keyed paint, broken glass from smash and grabs, and more. Get covered by AmeriSent Insurance serving Las Vegas, NV. To help prevent such vandalism from happening in the first place, use the following tips.
Keeping Your Car Safe From Vandalism
1. Park Under Lights
Instead of prioritizing parking near the front doors, look for empty spots under parking lot lights, where vandals are less likely to target vehicles.
2. Park Only in Designated Areas
Avoid parking on the street or in off-road areas. Park only in official parking areas where there are other vehicles.
3. Park Next to Other Cars
Avoid parking in isolated areas of parking lots. Instead, choose spots next to or near other vehicles so your car doesn’t stand out.
4. Invest in Secure Parking Facilities
When you have a choice, opt to pay for secured parking facilities where there are gates and parking fees. These facilities also typically have security cameras, which deter vandalism.
5. Join or Start a Neighborhood Watch
If your home is in an area plagued with vandalism, join or start a Neighborhood Watch program so vandals know that neighbors are vigilant.
6. Use Window Tint
Apply anti-vandalism film or after-market window tint on your car windows. In Nevada, the maximum light transmittance value is 35% for the driver and passenger windows, which is enough to act as a deterrent in case of an attempted smash-and-grab.
7. Remove Valuable Items From Sight
Don’t leave valuable items visible inside your car, as they can attract the attention of potential vandals. Store valuables in the trunk or take them with you to reduce the temptation for opportunistic smash-and-grab vandalism.
We Are Here To Help
You don’t have to be a victim of vehicle vandalism. For help with your vehicle vandalism claim, contact your insurance representative at AmeriSent Insurance serving the Las Vegas, NV metroplex.