At All Risk Insurance Solutions Inc, we believe consumers should be educated on their purchasing decisions. You're not buying insurance just because you need to. You're buying it because you want to be protected in case the unexpected happens to your home.
Are natural disasters rare or common enough to buy insurance? We have seen the recent natural disasters in the United States and abroad, can cause a very large impact on our finances. If you were to fall victim to a natural disaster, could you pay for the damages out-of-pocket? Will your homeowners insurance provide adequate coverage? Could any of us depend on the government for assistance?
Standard homeowners insurance generally does not cover damage directly caused by either floods or earthquakes. Federal disaster assistance is usually in the form of loans or grants and is only available if the damage is widespread and very serious, and the affected area is declared a disaster area by the Federal Emergency Management Agency (FEMA).
If you’re deciding whether to buy flood or earthquake insurance (or both), consider the following questions:
Get earthquake insurance quote by calling (702) 541-0882.
All Risk Insurance Solution, Inc. brokers can get the best quote out there because we represent you. You are the one that needs insurance. We work with 40+ insurance carriers. That means we can find the best quote with the best coverages at the best rate. Agents at exclusive agent companies like State Farm, Farmers, Allstate, or American Family work with one carrier and that is it. Even we can get you an Allstate Insurance Quote. They give you one opinion that is biased. We find out what YOU need and find it for you at no extra cost.
All Risk Insurance Solutions Inc. is Trusted Choice Recommended. They can help you find cheap car insurance. Get an earthquake or flood insurance quote today by calling (702) 541-0882.
Floods can be serious catastrophes and they are one of the most common hazards in the United States. Floods can be caused by a variety of factors, including a sudden accumulation of rain, rising rivers, tidal surges, ice jams and dam failures.
Poor awareness and the risk of inaccurate flood modeling present obvious challenges. Home and business owners may choose to underinsure or go uninsured due to misinformation.
While Nevada may have a dry climate, that doesn’t mean that it’s not susceptible to flooding. In Nevada, the most common causes of flooding are heavy rains, flash floods, new land development that can change natural drainage and the spring thaw of winter snow. Also susceptible to erosion, mudslides and flooding are areas where recent fires may have destroyed much of the vegetation or the land. Other causes – such as the 2008 levee breach of the Truckee Canal in Fernley – also can lead to unexpected and rapid flooding.
Standard homeowners and renters insurance do not cover damage to your home or personal property from floods. Even if a flooded area is declared a federal disaster area, federal aid is usually provided in the form of low-interest loans.
Flood coverage, however, is available in the form of a separate policy. Most insurance companies that offer homeowners, renters, condo owners, and business owners insurance in Nevada also offer NFIP backed flood insurance policies. Policies are available to cover residential and commercial structures and property.
Get a flood insurance quote by calling (702) 541-0882
Are you ready for a flood? How should you prepare?
What if an earthquake happens in NV? What should you do? Better yet... How could you prepare for an earthquake?
Earthquakes can happen in just about any state in the United States. However, if you live in an area more likely to have an earthquake, make sure to talk to your local independent agent about whether you are covered for earthquakes or if you should purchase separate coverage. Also be sure to discuss home improvements that can make your home eligible for an earthquake endorsement or policy.
Know what your insurance covers and how much you need
Before an earthquake
To reduce damage inside, think heads up. Look at your ceiling and walls to see what might fall.
During an earthquake
After an earthquake
It’s important to take some steps to protect yourself and your home from further damage after an earthquake.
After Alaska and California, Nevada ranks third in the country for major earthquakes – those of magnitude 5.0 or higher. These earthquakes can cause a great deal of damage that won’t be covered under your homeowners, renters or condominium insurance policy.
You can protect yourself from substantial financial burdens in rebuilding or repairing your home by purchasing earthquake insurance. The Division of Insurance publication, the Nevada Consumer’s Guide to Earthquake Insurance, contains valuable information about the availability and affordability of earthquake insurance. This consumer guide explains what is and is not typically covered under an earthquake insurance policy. The consumer guide also contains tips on safety as well as what to do before and after an earthquake.
Consumers are urged to contact their homeowner’s insurance agent or insurance company to inquire about earthquake insurance. Policies vary, so consumers should ask their insurance agent or insurance company to fully explain the earthquake insurance policy’s coverage and exclusions.
Get an Earthquake insurance quote by calling (702) 541-0882
In an average year, 800 tornadoes are reported nationwide. Homes close to a tornado are often damaged or destroyed by wind, rain, and flying debris.
Before a tornado
You can’t make your home or business tornado-proof, but you can take steps that improve the odds of surviving the high winds. You may want to call on professionals for the more technical jobs.
Start at the top, your roof. Fix any areas that need repair. If you are planning to replace your roof, select materials that are designed to withstand high wind.
If you are planning to replace your windows, select impact-resistant window systems, which have a much better chance of surviving a major windstorm.
Anchor door frames securely to wall framing. Make certain your doors have at least three hinges and a deadbolt security lock with a bolt at least one inch long.
During a tornado
If a tornado is headed your way and you are in a building, move to an underground shelter or interior room or hallway on the lowest floor.
Stay away from windows and corners.
If you’re in your car, get out immediately and find safe shelter or lie flat in a ditch. Do not take shelter under an overpass or a bridge.
Flying debris causes most injuries and fatalities, so use your arms to protect your head and neck.
After a tornado
Heavy rain is often a part of tornadoes and windstorms. The longer your home is exposed to water, the more damage you’ll see to your roof, ceiling, walls and floors, as well as any personal belongings you have inside. It’s important to take some steps to protect yourself and your property from any further damage after a tornado.
While wildfires happen more frequently in the western United States, nearly every state has been devastated by fires in the last century. And each year, hundreds of homes are destroyed as more people choose to live closer to nature.
Before a wildfire
During a wildfire
After a wildfire
We’ve all seen the dramatic effect hurricanes can have, both the initial wind and rain and the floods and devastation that follow. There are steps you can take to stay safe and reduce damage to your property in the event of a storm.
Note that neither home nor business insurance covers flood damage from a hurricane, including floods from storm surges. Your local independent agent can help you purchase a policy through the National Flood Insurance Program.
Before a hurricane
During a hurricane
After a hurricane
Water is a major cause of damage after hurricanes. The longer your house is exposed to water, the more damage you’ll see to your roof, ceiling, walls, and floors, as well as any personal belongings inside. After the storm has passed, it’s important to dry out any water damaged inside your home.
When we do a flood or earthquake quote, each carrier needs to verify the underlying homeowners insurance coverage. We will also need your home policy number.
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