Category: Home Insurance

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.

If you’re a homeowner, you know that you need home insurance. However, owning a home in Las Vegas, Nevada, requires some special considerations. The unique desert climate offers challenges that homeowners in other parts of the US don’t have to consider. Luckily, there are insurance policies that can provide you with additional protection. 

Flood Insurance

Las Vegas might be a desert, but that doesn’t mean you shouldn’t be prepared for a flood. July to September is considered the monsoon season. During this time, heavy rains can cause flash flooding, often leading to serious damage to structures. Ensuring that you have coverage for floods may save your home in the event of an emergency. 

Coverage For Extreme Temperatures

Las Vegas can be a hot place, with summers sending temperatures soaring well over 100 degrees. Nevada residents might want to consider a home insurance policy that provides for damage to their homes from extreme temperatures. That policy may also cover broken air conditioning systems, a must-have in the Las Vegas, NV heat waves. 

Coverage For Windstorms

As if flash floods and heatwaves weren’t enough, Las Vegas is also in danger of wind and dust storms. These can cause serious damage, especially to roofs and windows. A comprehensive insurance policy should include coverage for wind, a unique consideration that homeowners elsewhere don’t usually need. 

How Amerisent Insurance Can Help

If you’re choosing a homeowners’ policy in Las Vegas, you might feel overwhelmed by the additional considerations. Amerisent Insurance serves the Las Vegas area, helping residents find the policy that’s right for their needs. Contact us today to schedule your appointment or for additional information. 

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.

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.