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.

Risks of Driving Without Underinsured/Uninsured Auto Insurance in Las Vegas, NV

Posted on January 31, 2025January 29, 2025 by admin

Driving without adequate insurance in Las Vegas, NV, can lead to legal issues and financial difficulties. Despite Nevada’s insurance requirements, not all drivers comply with the law. Understanding the risks of driving without Underinsured/Uninsured (UIM/UM) coverage is crucial every time you get behind the wheel. At Amerisent Insurance, we can guide you through the process of choosing the right insurance policy for your vehicle, helping you avoid potential fees, fines, and legal consequences of driving without proper coverage.

Potential Financial Burdens

If you’re injured in an accident and lack UIM/UM coverage (and the other driver involved is uninsured), you’ll have to cover your medical costs out-of-pocket. This includes expenses for rehabilitation, x-rays, medication, and any long-term treatments or procedures required for a full recovery.

Possible Legal Costs

If you decide to sue an at-fault driver for damages and medical injuries sustained in an accident, but neither you nor the other party is insured, you’ll be responsible for all legal costs associated with the lawsuit.

Vehicle Repairs

If your vehicle sustains significant damage and, the at-fault driver is uninsured, and you lack UIM/UM insurance, you’ll have to pay for repairs and/or part replacements out-of-pocket.

Understanding the significant risks of driving without proper underinsured or uninsured auto insurance in Las Vegas is essential, whether you’re a long-time resident or new to the city. If you need suitable auto insurance coverage and are unsure about the right policy for you, we’re here to help. For more information about underinsured/uninsured auto insurance policies available in Las Vegas, NV, contact Amerisent Insurance for a consultation today.

Does Your Business Need Cyber Insurance?

Posted on December 31, 2024January 5, 2025 by admin

There are many types of commercial insurance on the market, and most businesses need at least one type if not more. One of these types of policies is cyber insurance. An increasing number of businesses today need this kind of insurance, and your business may be one of them. To find out more about cyber insurance, you can call us at Amerisent Insurance in Las Vegas, NV.

What Is Cyber Insurance?

Companies today increasingly rely on computer systems. They use these for a lot of data storage. This often includes data about the business as well as customers and employees. It’s possible for a company to have a data breach so that this information is leaked to parties outside the business. It’s common for this information to be posted online for anyone to use. When this happens, it can be highly expensive and time-consuming to take care of. When you have cyber insurance, it helps you clean up the mess. It pays for the costs of cleaning up these breaches so that you can get back to business again.

Do You Need Cyber Insurance?

Whether you need cyber insurance often comes down to whether you store information on computers. If you do, it’s often wise to get this type of insurance. It can help a great deal after a breach so that your company doesn’t owe so much that it goes out of business. An expensive breach may wreak havoc with a company’s capital without this type of insurance policy.

Get Your Cyber Policy

When you want to keep your business protected, you need to have the right insurance policies. You may have many other aspects of your company covered, but if you don’t have cyber insurance, you may not have all the policies you need. Call us at Amerisent Insurance in Las Vegas, NV to get started.

Knowing your home insurance: Things home insurance doesn’t cover

Posted on November 27, 2024November 26, 2024 by admin

Your home insurance is quite a complex document. It offers a great deal of coverage and peace of mind. However, there are things that home insurance doesn’t cover. These are exclusions, and it is essential that you read your policy so that you are aware of what isn’t covered before you find out the hard way. At Amerisent Insurance in Las Vegas, NV, we offer our customers choices and work to find the best policy to meet their needs.

Floods

According to the state of Nevada, the greatest danger that homes face in Nevada is flash floods. Changing weather patterns have left areas that formerly would never see a flood in danger of being devastated. Even 12 inches of water in a home results in thousands of dollars in damage, and your insurance won’t cover it. Coverage is available through the National Flood Insurance Program.

Earth movement

Earth movement covers a few different things. It can be an earthquake, a sinkhole, a landslide, or a mudslide. The Frenchman Mountain Fault is less than 12 miles from downtown Las Vegas. An earthquake of only 6.0 would cause major damage to homes and businesses. The bad news is that home insurance doesn’t cover earthquake damage. You can, however, get specialized coverage for earthquakes.

Some dog breeds

If you have a dog as part of your family, you need to let your insurance agent know. Some breeds are considered so dangerous and aggressive that they are not covered. If your dog bites someone or their pet, you could be sued, and the complete cost would be on you, including any required medical care.

If you live in or near Las Vegas, NV, our agents at Amerisent Insurance are here to help with any questions you have about your home insurance coverage.

I just paid off my car. Should I reduce my auto insurance to liability?

Posted on October 31, 2024October 28, 2024 by admin

It’s a huge relief to pay off an auto loan, and you might consider reducing your auto insurance coverage. However, this decision requires careful consideration. Sometimes, opting for less insurance coverage isn’t the wisest choice, especially if you can’t afford to replace or repair your car if something happens to it. Our team at Amerisent Insurance is committed to educating Las Vegas, NV drivers and helping them get the coverage that fits their unique needs.

Insurance Requirements for Auto Loans

Most lenders require loan holders to carry full coverage insurance until the car is paid off. This protects the lender should anything happen to the car before it’s paid in full. However, it also provides protection for the loan holder. Car insurance protects both the loan holder and the lender. The asset, the car, is protected, and the loan holder is protected financially. Plus, the lender can be financially compensated if something happens to the car before the auto loan is paid in full.

Should I reduce my auto insurance to liability after paying off my car?

It depends. Generally, if your annual premium is more than your car’s actual value, it’s probably a good idea to drop full coverage insurance. Full coverage insurance includes comprehensive and collision coverage in addition to the required liability coverage. Once your insurance premium is worth more than your car, the likelihood of your insurance company paying for any repairs to your car as a result of an accident or some other covered incident is rare. At this point, your car is considered a total loss, and you will get very little money for it.

Most importantly, your insurance company won’t pay for the repairs. If you have more questions regarding insurance coverage, contact us. We’d be happy to answer them.

Is BOP Insurance a Good Choice for Your Business?

Posted on September 30, 2024September 29, 2024 by admin

Protecting your assets is a critical task for a company owner or manager. One way to do this is through commercial insurance. There are several types of such insurance, and you may wonder which one to choose. If your company is located in Las Vegas, NV, our professional team at Amerisent Insurance is ready to answer all your questions about insurance.

Understanding BOP Insurance for Businesses

While buying insurance, saving money is always a top priority. One way you can achieve this is by combining your policies, for instance, through a BOP (Business Owner’s Policy). Investopedia defines a BOP as a commercial insurance policy combining property, business interruption, and liability insurance into a single policy. This combination allows you to cut costs on insurance premiums as a single BOP policy is cheaper than separate property and liability policies.

Some BOP policies can also include crime, commercial vehicles, and flood insurance. However, note that BOP usually doesn’t cover worker’s compensation claims or disability insurance. According to Investopedia, your business must meet specific qualifications to qualify for BOP insurance. You can talk to our Amerisent team to see if your company meets the eligibility criteria for BOP.

Contact Us for Your Insurance Needs

Whether or not BOP insurance suits your company, ensuring you’re adequately insured is essential. Our team at Amerisent Insurance has been providing trustworthy service to clients in Las Vegas, NV for years. We’re here to help you with all your insurance needs, so feel free to schedule an appointment today, and let’s talk about insurance.

Does Homeowners Insurance Cover Theft?

Posted on August 30, 2024August 29, 2024 by admin

Homeowner’s insurance provides essential protection for your assets. Policies from Amerisent Insurance typically cover a gamut of perils, including natural disasters and possible fire damage. For example, if a tree falls on your home during a storm, most insurance policies can help cover the damages. However, with burglary incidents becoming increasingly common, how does your homeowner’s insurance safeguard you against them?

Personal Property Coverage

Most homeowners insurance policies in Las Vegas, NV, inclusively offer personal property coverage. This level of coverage can compensate for damages to personal belongings, including theft. However, this is a standard feature in homeowner’s insurance, it is always advisable to verify this aspect with your insurance agent. Insurance policies can frequently vary depending on the company, and some providers might offer personal property as an add-on feature instead of including it in the standard policy.

Coverage Limitations

It’s essential for homeowners to remember that insurance policies always have limits on the coverage they offer. For example, by opting for lower personal property coverage, you might benefit from lower premiums. However, if your coverage covers up to $5,000 of personal property and a thief makes away with personal property worth $10,000, your insurance won’t cover the entire loss. Therefore, always be aware of the limitations on coverage by understanding the details of your policy.

Reach Out to Amerisent Insurance

Theft is generally covered under homeowners insurance in Las Vegas, NV, but every policy and insurance company differs. You should always consult a professional insurance agent to verify if your policy covers theft. If you’re concerned about theft, inquire if you can include personal property coverage along with its cost coverage in your insurance policy. Contact us at Amerisent Insurance today to discover more about our homeowner’s insurance policies and their coverage extent.