Your Home Is Where Your Heart Is, Keep It Safe

Keep your most valuable asset safe with a customized homeowners’ insurance plan.

Homeowner's Insurance in Nevada

Home Insurance – Jim and I actually remember when we bought our first home. It started with buying the dirt. We took a picture of the dirt. We went out to the property and took a picture of the lot every Saturday. We still have that picture book on our TV stand! We picked the flooring, the color of the paint on the walls–Everything. Your home is where you raise your kids! It’s where you relax after a long days’ work! It’s special, unique, and the result of your hard work. That’s what sets our home programs apart. They can be as customized as your home.  My job is to help you find the best home insurance at a reasonable price. As an independent agent, we quote your home with many carriers at a time—not just one. Give our office a call us for an appointment or a quote over the telephone. You can also fill out your name in the section below. We will be glad to help you understand your policy to make sure it covers what you want to protect.
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Our goal is to make sure your policy will cover your home and your possessions if they are damaged or destroyed by a covered loss. The insurance value of your home is calculated based on how the home was built, and we take great care to determine how the home is constructed anywhere from how many floors to what kind of flooring is throughout the home.

We often get the question… How do you value my home? The problem with that answer is that there are several parties that determine your home value. First, you purchase the home for a certain price so that is your purchase price. As you live in the home, the values of the homes around you change, so the market price of your home can go up and down depending on the market. Then the County assessor values your home, and we call that your assessed value. The final value of your home that is calculated by the insurance company is the replacement cost value. The insurance company needs to determine how much it would cost if a total loss happened. This value does not include the land value. So as you can see, that isn’t a simple answer, but you will be taken care of with our agency to protect what is yours with a good insurance policy.
Determining how much your personal property is worth is another task. We cover your personal property no matter where your personal property is located in the world. If you have personal property that has special values such as business assets, guns, furs, jewelry, watercraft, fine art, silverware, cameras, musical instruments, gold coins, business pursuits on/off the property, farmland endeavors, identity shield, or need flood or earthquake coverage, we can apply special coverages limits to them within the policy. Some may need an appraisal to be added to the home policy.  Here is an example. I will never forget a customer that had a gun that was a 1935 _______________ that was worth $3500. If this client didn’t have special coverages and the gun was stolen he would get $100 from an average policy.  I had another customer who had a platinum ring with 1.25 carat diamond that was worth $12000. If that client didn’t have special coverage on her policy for her ring and it was stolen she would get probably $1000. 

We also insure:
  • Condo is a residential unit owned by the Insured located in a building under common ownership of the Association of which the insured is a Member. You own the building inside your walls. I had a client who had a fire on their stove and when she came out of the bathroom the cabinets were on fire. Her condo policy only covered her personal property because it was written wrong by another agent. She was saddled with the repair costs of her home.
  • Townhouse, aka townhome, is the part of the residential building and/or land owned by the insured who is a member of the Association owning all common areas of the Development.
  • Apartment Complex or Dwelling – Single/Multifamily housing units, rented on a monthly or longer-term basis should include:
  • Condo/Townhouses Associations
  • Planned Unit Developments
  • Landlord Policy Optional Coverages can be full customized. If you are a Member of a Landlord Association, if you use a Property Management Company, if you own multiple properties and conduct tenant screening, discounts for Professional Landlords are available!
  • Manufactured homes include modular, single-wide and multi-sectional mobile homes, any value, new or several years old, seasonal or vacant, located in a park or on private property. Rental Mobile Home include manufactured, mobile and modular homes, park models and permanently sited travel trailers that are rented to others for habitational use.
  • Vacant Home Policy offer coverage for many homes that are no longer occupied by the homeowner. Many homeowner policies do not cover your home if it is determined to be vacant longer than 60 days.
  • Renters Policy-covers insured’s personal property. When you rent someone else’s property, your primary concern is your stuff. A special reason why you should have a renter’s policy is because you have a lot of personal property. Your landlord policy does not cover your personal property. If you are renting a room from someone, their homeowners’ policy will not cover your belongings because you are a renter.
    • If you have a lot of specialty stuff, we need to sit down and do an evaluation on your property to determine the need for a Renter’s Insurance Policy! For instance, I met with Jamie the other day and she had a beautiful diamond ring on.  It was worth over $15,000 today. If she was robbed how would she recover that ring?  Well yes!  The Renter’s Policy would.
      • Different categories of property have special limits attached to them including coins, securities and manuscripts, watercraft equipment, trailers not used with watercraft, jewelry, silverware, firearms, rugs, business property, electronic data processing that is located at the premises at the time of the loss.
      • Liability to your landlord- if you cause harm to your landlord’s property such as a fire, who would pay for those damages? The liability part of your policy would take care of that so you wont have to worry about that! Can you say relief?
      • Where would you live if the same that fire happened to your apartment, your additional living expense coverage would take care of that!
      • Can you see the importance of how a renters insurance policy can protect you? Call us and we will tell you more.
Homeowners’ policies do not cover each and every risk to a house. Standard excluded loss types such as flood, earthquake, and war require special insurance policies or special endorsements to the homeowner’s policy. A homeowners’ policy is generally an annual contract. You pay a premium to the insurer either direct or through your mortgage company.  Most insurers will set the premium amount after evaluating certain risk factors.  As we write the insurance policy for the home, that insurance value is calculated as you explain the certain feature of the home. The premium amount will take into consideration the cost to replace or rebuild the house in the event of a total loss. Factors which allow the carriers to determine whether a home is more or less likely to be damaged or destroyed are:
  • proximity to a fire house
  • use of burglar alarms
  • proximity to flood zones or earthquake faults and
  • age of home
  • maintenance of the home.
Dwelling pays for damage to your house and to structure attached to your house. Damage to your plumbing, electrical wiring, heating, and permanently installed air-conditioning systems are all covered fixtures.

Other Structures coverage pays for damage to fences, tool or storage sheds, swimming pools, freestanding garages, guest cottages and other structures not attached to your home.  If you add these types of items after purchasing please make sure you update your agent with the value of the new purchases. Your policy should be endorsed.  Other structures coverages starts at 10% of the dwelling value.

Personal property coverage reimburses you for the value of your possessions including furniture, electronics, appliances and clothing, damaged or lost even when they aren’t on your property, such as those at an off-site storage locker or with your child at school or college. Any property away from the insured location may be subject to coverage based upon a limited percentage of value or depending on some policies at replacement cost.

Some forms of personal property – such as silverware, computers, guns, money, expensive antiques, and jewelry – have limited coverage under your homeowner’s policy and may need additional insurance.  Additional and broader coverage may be added to your policy by purchasing an endorsement.

Additional living expenses or loss of use

After a disaster you might not be able to live in your home while repairs are being made. Luckily, most home insurance policies cover additional living expenses or “loss of use” costs that you incur due to a covered loss. Expenses may include limited rental home or motel cost, restaurant meals and storage.

Some examples of covered expenses are hotel bills, apartment rent and meals at restaurants. Some policies will only pay for the difference between what your normal bills are and what you had to pay because of the disaster. For example, if you normally pay $400 for food every month and now you have to pay $600, the company will pay you $200.

This coverage doesn’t cover your normal expenses such as gas, electric, water, or your mortgage and it won’t pay for you to stay in a five star hotel while your home is being repaired. Your additional living expenses will be covered for the shortest period of time required to repair or replace your home.

Ordinance of law coverage

If your home is older, it is important to consider building ordinance coverage. Building codes change periodically, so if your house is badly damaged and you are forced to rebuild all or part of the home you will need to make sure that all the new areas that are built are up-to-code—and this can cost you. A few companies offer policies that will pay for you to have your home rebuilt to code if it’s destroyed.

If you have especially expensive items, like jewelry, furs or expensive equipment, or art, you may need to purchase an additional type of coverage, called a floater or endorsement. This will allow you to insure each expensive item individually or as a collection based on what the item is worth. Homeowners policies cover person items such as guns, jewelry, business assets, waterbeds, earthquake and flood coverage, paintings, antiques, collections, etc.  Peace of mind is knowing that your insured property is properly insured Now.

Personal Liability covers your legal defense if you are sued and financial loss if found legally responsible for injuries or damages to someone else. This coverage applies to you and all family members who live with you.

Medical Payments pay for persons accidentally injured on your property or away from your property caused by a member of your family or your pets regardless of who is at fault. This coverage does not apply to your injuries or those of family members living with you or to activities involving your at-home business. It also doesn’t cover a vendor who is working on your home.  They should have their own insurance to take care of them. Call us to find out the questions to ask anyone who is working on your home.  They should provide certain documentation that they are covered. We will be glad to help you in any way that we can!

Have any questions? Ask us anything, we’d love to answer!

We also Insure:

Condo

A residential unit owned by the Insured located in a building under common ownership of the Association of which the insured is a Member.

Townhouse

The part of the residential building and/or land owned by the insured who is a member of the Association owning all common areas of the Development.

Apartment Complex or Dwelling

Single/Multifamily housing units, rented on a monthly or longer-term basis should include:
  1. Condo / Townhouses Associations
  2. Planned Unit Developments
Landlord Policy Optional Coverages can be full customized. If you are a Member of a Landlord Association, if you use a Property Management Company, if you insurance multiple properties and conduct tenant screening, discounts for Professional Landlords are available!

Manufactured homes

Include modular, single-wide and multi-sectional mobile homes, any value, new or several years old, seasonal or vacant, located in a park or on private property. Rental Mobile Home include manufactured, mobile and modular homes, park models and permanently sited travel trailers that are rented to others for habitational use.

Vacant Home Policy

Offer coverage for many homes that are no longer occupied by the homeowner.

Renters Policy

Covers insured’s personal property. When you rent someone else’s property, your primary concern is your stuff. A special reason why you should have a renter’s policy is because you have a lot of personal property. Your landlord policy does not cover your personal property. If you are renting a room from someone, their homeowners policy will not cover your belongings because you are a renter.

If you have a lot of specialty stuff, we need to sit down and do an evaluation on your property to determine the need for a Renter’s Insurance Policy! For instance, I met with Jamie the other day and she had a beautiful diamond ring on. It was worth over $15,000 today. If she was robbed how would she recover that ring? Well yes! The Renter’s Policy would.

Different categories of property have special limits attached to them including coins, securities and manuscripts, watercraft equipment, trailers not used with watercraft, jewelry, silverware, firearms, rugs, business property, electronic data processing that is located at the premises at the time of the loss.

Homeowners’ policies do not cover each and every risk to a house. Standard excluded loss types such as flood, earthquake, and war require special insurance policies or special endorsements to the homeowner’s policy.

A homeowners’ policy is generally an annual contract. You pay a premium to the insurer either direct or through your mortgage company.  Most insurers will set the premium amount after evaluating certain risk factors.  I would even such that before you buy a home, allow us to do a quote. The premium amount will also take into consideration the cost to replace or rebuild the house in the event of a total loss.

Factors which allow the carriers to determine whether a home is more or less likely to be damaged or destroyed are:

  • Proximity to a fire house
  • Use of burglar alarms
  • Proximity to flood zones or earthquake faults and
  • Age of home

Dwelling pays for damage to your house and to structure attached to your house. Damage to your plumbing, electrical wiring, heating, and permanently installed air-conditioning systems are all covered fixtures.

Other Structures coverage pays for damage to fences, tool or storage sheds, swimming pools, freestanding garages, guest cottages and other structures not attached to your home.  If you add these types of items after purchasing please make sure you update your agent with the value of the new purchases. Your policy should be endorsed.

Personal property coverage reimburses you for the value of your possessions including furniture, electronics, applicances and clothing, damaged or lost even when they aren’t on your property, such as those at an off-site storage locker or with your child at school or college. Any property away from the insured location may be subject to coverage based upon a limited percentage of value or depending on some policies at replacement cost.

Some forms of personal property – such as silverware, computers, guns, money, expensive antiques, and jewelry – have limited coverage under your homeowner’s policy and may need additional insurance.  Additional and broader coverage may be added to your policy by purchasing an endorsement.

Additional living expenses or loss of use

After a disaster you might not be able to live in your home while repairs are being made. Luckily, most home insurance policies cover additional living expenses or “loss of use” costs that you incur due to a covered loss. Expenses may include limited rental home or motel cost, restaurant meals and storage.

Some examples of covered expenses are hotel bills, apartment rent and meals at restaurants. Some policies will only pay for the difference between what your normal bills are and what you had to pay because of the disaster. For example, if you normally pay $400 for food every month and now you have to pay $600, the company will pay you $200.

This coverage doesn’t cover your normal expenses such as gas, electric, water, or your mortgage and it won’t pay for you to stay in a five star hotel while your home is being repaired. Your additional living expenses will be covered for the shortest period of time required to repair or replace your home.

Ordinance of law coverage

If your home is older, it is important to consider building ordinance coverage. Building codes change periodically, so if your house is badly damaged and you are forced to rebuild all or part of the home you will need to make sure that all the new areas that are built are up-to-code—and this can cost you. A few companies offer policies that will pay for you to have your home rebuilt to code if it’s destroyed.

If you have especially expensive items, like jewelry, furs or expensive equipment, you may need to purchase an additional type of coverage, called a floater or endorsement. This will allow you to insure each expensive item individually or as a collection based on what the item is worth. Homeowners policies cover person items such as guns, jewelry, business assets, waterbeds, earthquake and flood coverage, paintings, antiques, collections, etc.

Personal Liability covers your legal defense if you are sued and financial loss if found legally responsible for injuries or damages to someone else.  This coverage applies to you and all family members who live with you.

Medical Payments pay for persons accidentally injured on your property or away from your property caused by a member of your family or your pets regardless of who is at fault. This coverage does not apply to your injuries or those of family members living with you or to activities involving your at-home business.

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