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Protect Residential Upgrades

Considerations when Updating Your Home Insurance Policy After Property Upgrades

Planning a property upgrade might necessitate a corresponding upgrade to your home insurance policy. Properly assess the potential risks linked to your planned home enhancements, and actively seek insurance coverage to protect your new additions against damage or theft.

Protection for Increased Property Value

The main motivation to update your home insurance policy resides in safeguarding the added value your new feature brings. Your upgraded property may, unfortunately, attract individuals with malicious intent, such as burglars. An example to consider: investing in new patio furniture and barbecue equipment could be eye-catching for someone desperate for some quick cash.

Coverage Benefits

An upgraded home insurance policy offers round-the-clock coverage. It will settle costs related to repairing or replacing an item itemized in your insurance policy. It’s paramount to consider the additional value of every upgrade made on your property and assess adequate insurance coverage to guarantee optimum protection.

Always update your existing home insurance policy to keep up with your new purchases. High-value investments should always have coverage to protect against potential damage or theft. Analyze the risk and calculate if including them in your existing policy is worthwhile.

Reach out to our agents who serve Las Vegas, NV, to learn more about the nuances of home insurance coverage. A representative of Amerisent Insurance will provide comprehensive comparisons of home insurance policies well-suited to your current needs.

Exploring No-Fault Insurance: What You Need to Know

Here at Amerisent Insurance, serving the Las Vegas, NV area, we prioritize empowering our clients through knowledge. No-fault insurance, a subject often shrouded in confusion, holds significance in the insurance landscape. Whether you’re a seasoned policyholder or just entering the realm of insurance, comprehending the depths of no-fault coverage can be invaluable.

How No-Fault Insurance Works

No-fault insurance diverges from traditional models. In states where mandated, it allows individuals to recover financial losses from their insurance provider, irrespective of fault. Typically covering medical expenses, lost income, and related costs, it aims to streamline the claims process and sidestep prolonged legal disputes over liability.

State-Specific Variations

Crucially, no-fault insurance isn’t universally required across states. Regulations and coverage options differ significantly. Some states offer a choice no-fault system, enabling individuals to select between no-fault coverage and traditional liability coverage.

Understanding Your Local Coverage

Understanding the specifics of no-fault insurance in your area is pivotal. This ensures you’re adequately protected and aware of the coverage scope in case of an unfortunate event. For instance, residents in Las Vegas, NV and surrounding areas might face different thresholds and limitations compared to neighboring states.

Partnering for Informed Choices

Here at Amerisent Insurance, we specialize in tailored insurance guidance. We go beyond selling policies; our priority is educating our clients to make informed decisions aligned with their unique needs.

Securing Your Future

To gain comprehensive insights into how no-fault insurance applies to you or to explore your insurance options, connect with our experienced agents today. Don’t navigate insurance complexities alone; let us assist in safeguarding your future today.

Does My Company Need Commercial Auto Insurance?

If your business requires costly equipment, tools, money, or people around, you’ll need commercial auto insurance. If you aren’t sure about the status of your company and whether you should carry commercial vehicle insurance, our team at Amerisent Insurance in Las Vegas, NV is here to offer guidance.

Who Needs Commercial Auto Insurance?

Some employees use personal vehicles to handle certain business tasks. While their personal policy likely has enough coverage, there are stipulations that call for a commercial auto policy, as well.

  • Your Company Has Commercial Vehicles Registered: If you have one company vehicle registered as commercial or vehicles have commercial license plates, your staff using personal vehicles will need commercial auto insurance.
  • Your Drivers Transport Goods for Cash: Ride-sharing agencies, taxis, delivery companies, and those that require moving valuables or people are required to have commercial auto insurance.
  • Heavy Tools or Expensive Equipment is Transported: Businesses that handle logistics for work supplies or machinery need to have commercial coverage that protects the load.
  • Travel for Work is Frequent: If traveling far distances in a company or personal car, a commercial policy is necessary to protect the vehicle and your business.

What’s Covered Under Commercial Auto Insurance?

Commercial vehicle insurance carries much of the same coverage as personal vehicles but extends to cars, trucks, vans, etc. used for work purposes. A few of these include but aren’t limited to:

  • General Liability Insurance: Handles claims such as damage to visitor’s property by a company-used vehicle when on the job.
  • Workers’ Compensation Insurance/Personal Injury Protection: This insurance will cover employees hurt while on the road.
  • Uninsured/Underinsured Motorist: If an employee has an incident with a driver who doesn’t have insurance or enough of it to cover the damage they cause, the insurance company offers compensation for the difference.

Learn More About Commercial Auto Insurance

No one understands the laws and consequences of failing to carry commercial vehicle insurance than our team. If you want to speak to one of our experts about your company’s commercial insurance needs, contact us online at Amerisent Insurance, call us, or stop by our office in Las Vegas, NV.

Importance of Liability Home Insurance Coverage

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.

7 Tips to Keep Your Car Safe From Vandalism

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.

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