Does a Person Need Full Coverage Auto Insurance in Las Vegas, NV

Full coverage insurance is required by most lending agencies as long as there is any lien on the vehicle. Many car owners carry full coverage simply because it offers them the guarantee of another vehicle of the same value if the original is a total loss. Residents who live in Las Vegas, NV are not required to carry full coverage auto insurance on their own. They must, however, prove they have the minimum amount of coverage to drive legally according to Nevada law.

According to state law, Las Vegas, NV residents are required to carry a minimum amount of vehicle insurance referred to as 15/30/10. The 15/30/10 minimum breaks down to:

  • $15k per person of bodily injury coverage
  • $30k per accident of bodily injury coverage
  • $10k worth of property damage coverage

Residents must provide proof of this amount of coverage if they are stopped by the police, first plate their vehicle, or when the resident renews their tags each year. The right insurance agent can help residents find the right type of coverage that meets the state’s minimum requirements if they own their vehicle outright.

When a vehicle is paid off, and the owner receives the title, they no longer are required to carry full coverage insurance. Dropping from full coverage to PL/PD means losing the opportunity to be reimbursed for any property loss or medical bills that are the result of an accident. The state of Nevada uses an online verification system that can verify whether or not a person has insurance. It is extremely important to make sure the insurance remains in effect during the transition.

Contact Stevens Insurance today for more information. 


Home Insurance for Your Rental Property

As a property owner, you may feel the need to rent your property for a little extra cash. If you’ve decided to rent out a few of your homes or apartments, you’re going to need more than your standard homeowner’s insurance policy to cover your investments. You will need what’s known as landlord insurance.

What is Landlord Insurance?

Landlord insurance provides coverage for your rentals that includes property damage, liability, loss of income, and personal injury.

  • Property damage – If there is a storm, fire, vandalism, theft, or damages left by a tenant, property damage insurance is helpful coverage. This usually covers the building itself and not the property inside.
  • Liability insurance – Liability covers injuries that occur on your property. Accidents can happen, and whether it is your tenant or a visitor, liability can protect you from legal and medical costs associated with the individual’s injuries.
  • Loss of income – If you maintain a loss of income coverage, you may be covered for monthly rent you’ve lost. This usually becomes relevant when the property is uninhabitable due to storms or fires. Other covered reason will be included in your policy.
  • Personal injury protection – PIP protects you against libel, slander, wrongful eviction, and invasion of privacy claims made against you.

Other Things to Think About

The property inside of the apartment or house that belong to you, such as the microwave, stove, refrigerator, and washer and dryer may not be covered under your normal policy. Contact your insurance agent to make sure those items are covered, so you can get an adequate replacement value if they are damaged or destroyed.

You may also want to encourage your tenants to get renters insurance. In Las Vegas, NV, landlords insurance does not cover their personal property. Contact Stevens Insurance for more information. 

How To Prep Your Home For The Fall Months

Your Nevada home is going to experience some cooler weather in the fall. If you don’t prepare your home sufficiently, you could run into an array of problems. The good news is, a few simple preparatory things can ensure you don’t have to worry about anything going wrong in the fall or at any other time during the year.

Schedule Maintenance

Some basic maintenance should be scheduled. You will want to have your HVAC system checked on by a professional technician, and also gas lines if you have a furnace. This way, as the cold weather starts to arrive, you can be confident that your heat is going to work.

Handle Some Cleaning

Cleaning is important inside and out. Your gutters should be cleaned because you are going to deal with more leaves falling. If there are lots, you could end up with corrosion or rust, costing you a significant amount of money in repairs. If you have a fireplace, it should be cleaned as well, eliminating a chimney fire.

Create a Checklist

A simple checklist to go through in your home can make a world of a difference. You will want to make sure you check all of the smoke detectors to see if there are working and replace the batteries. You should also clean out your oven to avoid any kind of fire, and also check for fire extinguishers in various rooms of the home.

By taking a little bit of time to prep your home, you can avoid various issues. Remember, you don’t have to do everything alone. You can always call professionals and help you with home maintenance, cleaning, and various other components.

Learn how to enjoy peace of mind in Las Vegas with the right homeowner’s policy. Contact Stevens Insurance today to speak with an experienced insurance agent.


Is Your Home Underinsured?

Maintaining a homeowners’ policy isn’t a law in Las Vegas, NV. Mortgage lenders require that you have a policy that covers things such as damage or loss to the structure and property. In other words, that policy is a type of security for your loan. But you have a lot more invested into your home than just plaster and plywood, which is why at Stevens Insurance we work closely with people to create a policy that meets their individual needs.

One of the key areas where homeowners find themselves underinsured is personal property. When you first buy the house, you have a certain number of accumulated items. But over time, you amass more and more valuable items and it may be wise to update your coverage and push that coverage cap up. Beyond the coverage limits you set, being able to prove what was lost in a fire or burglary will be important for reimbursement. Consider these steps to ensure proper coverage.

  • Keep a record of expensive items that include jewelry, electronics, artwork, antiques and family heirlooms.
  • Create an inventory that reflects these items room by room
  • Keep copies of receipts and any appraisals
  • Write the model numbers and specific items on these receipts
  • Make a 360 video of your home and possessions
  • Take photographs of items in your home
  • Update the video once per year
  • Keep these records away from your home or in a fireproof safe

In terms of personal property, being fully insured means two basic things for homeowners — documentation and having a sufficient insurance ceiling. An insurance company may take a standard estimate for things like clothing that are damaged in a fire. But big ticket items generally require clear documentation for you to get reimbursed. These items are also the driving force behind burglaries and theft.

At Stevens Insurance, we serve the Las Vegas, NV, community and our professionals are available to discuss new policies or updating your existing coverage. It’s important that you don’t get caught underinsured in the event of a loss.

Getting the right Las Vegas, NV home insurance is very important

Las Vegas, NV is an amazing and unique city, and a lot of people only think of it for the casinos and nightlife. But there are many people who live in the city and call it home. If you’re one of them, you want to make sure you have good home insurance, so you’re protected financially from fire, break-ins, and other types of problems. One of the best ways to do that is to work with Stevens Insurance so you can talk to an independent agent. When you choose just one company to get a quote from, you could end up paying too much or simply not have a good quality insurance policy. Independent agents can help you avoid all that.

You don’t want to end up with bad home insurance, since your home is a significant investment. It needs to be protected in the right way, so you can have peace of mind when you live there. Otherwise, you’re going to be worried about what could happen instead of just enjoying the home you have. Because Las Vegas, NV is a place that is far different from a lot of other locations, you may want to focus on working closely with an agent so you can have the chance to keep your home insurance exactly what you want it to be as your needs change.

By working with an independent insurance agent at Stevens Insurance, you can get that personalized service that helps you stay ready for anything that could happen to your home. You may not be able to avoid something happening, but you can know that you’re financially covered and that there’s someone you can call who will help you get through a problem. That’s what independent agents do, and how they can really benefit you when you need home insurance.

4 Reasons to Start Your Home Insurance Policy Today

An area of the world that has long since become known for its dedication to the party scene, people who live in Vegas often work just as hard as they play. Indeed, although Las Vegas in unique in many respects, it is not immune to most of the rules and regulations placed on the rest of the country. With that said, the following is a closer look at 4 reasons to start your home insurance policy today. 

Many Banks Require it

First and foremost, many banks require that you acquire and maintain home insurance as a part of the terms given to secure the loan. By skipping the homeowner’s insurance, you may be putting your entire estate in jeopardy. 

When Disaster Strikes 
Moreover, every area of the globe has the potential to be hit with a major natural disaster without warning. By acquiring homeowner’s insurance beforehand, you are ensuring that your home is protected from even the most unfavorable circumstances. 

Home Away from Home 

In addition to that, having home insurance can even protect your home when you are away. No need to be anxious when you travel away from home. By purchasing the right homeowner’s insurance policy, you are ensuring that your home and belongings are safe, even when you are unable to protect them yourself. 

Equity Matters

Lastly, having homeowner’s insurance can help protect the equity of your home. Given that most mortgages are paid off over the course of many years, having a home insurance policy can help protect the value of your home despite some unfavorable market-related issues. 

Overall, if you are in Las Vegas, NV and are looking for high-quality home insurance, Stevens Insurance is the way to go. No matter what type of coverage you are seeking, one of our independent representatives will assist you and hopefully, help you save some cash in the process! 

3 Easy Ways to Prevent Auto Theft

The scenario:  You’re looking for your car all over the mall parking lot. You’re sure you parked in this particular area, but your car is nowhere to be found. And then the realization hits you.  It’s gone. Somebody has stolen your car.  

The truth is, Americans face getting their car stolen in Las Vegas, NV everyday. But there are easy ways to prevent this. By not making it easy for a thief to steal your car, you’ll avoid the nightmare described above. Read on to learn about three ways you can easily prevent auto theft in Las Vegas, NV.  

1. Don’t Leave Your Car Unlocked

This should be a no brainier. However, people tend to feel more comfortable having an unlocked car sitting in their driveway than in a public place.  Because the vehicle in on private property, the owner may feel the vehicle is secure. But the truth is, an unlocked vehicle, no matter where it is parked, is a security hazard – especially at 2 am when the neighborhood is fast asleep.  

2.  Park in Well-Lit Areas

When parking in public, it is especially important to avoid isolated or dark parking areas. Instead, look for a spot in a highly visible, well-lit area where a thief would surely be seen attempting to steal anyone’s car.  

3.  Put Valuable Items in the Trunk

Leaving a cell phone or purse behind, even in a locked car, will give a thief a reason to target your vehicle. To avoid this, lock away all your valuables in the trunk where they can’t be seen. 

Auto Insurance

If you’re a customer, Stevens Insurance can help you if your vehicle was stolen.  If you recently bought a new car and are looking for auto insurance, Stevens Insurance a call to find out more about theft coverage and other typical advantages of the right insurance for you.  



Before Buying Home Insurance

Making sure you have adequate home insurance coverage in Nevada should be at the top of your to-do list because having this precaution in place will protect you and your property against damage and loss. Read about some things you should think about as you shop for home insurance to get a better idea of the kind of home insurance coverage you may need. 

The first thing you need to think about is the area where your home is or will be built. Is your home surrounded by dry vegetation? Keep in mind that the climate in and around Las Vegas, Nevada is dry and hot. These conditions can make it more difficult to contain a brush fire. Nevada sits on a very active tectonic plate making it one of the most common states, in addition to its neighboring state, California, to experience earthquakes of 5 magnitude or higher. Flash floods are also common in the state. Nevada doesn’t get to many inches of rain each year, but it experiences periodic, surprise storms that lead to flash flooding and river flooding and can cause thousands of dollars in damages to your home. 

Look at your home as a structure and consider how old it is and the hardware that keeps it functioning every day, especially the electrical lines. Although a unpleasant thought, please think about what can become damaged or lead to greater loss the as well as the cost and liability these will have on your budget in the long run. 

Consult an agent in Stevens Insurance  who is knowledgeable in home insurance law and coverage in Nevada (these laws vary from state to state) and ask any questions you might have about a current or new policy . 

Benefits of RVing with Kids

Summer is a great time to take RV road trips in Nevada with your children. Traveling in an RV vehicle gives kids a sense of fun and adventure while allowing them to explore interesting sites across the state. Here are just a few of the many benefits families gain by taking their kids on the road.  

Quality Family Time

RV travels provide ample opportunity for parents to have quality time with their children. There’s great freedom and flexibility in RVing as a family. You can plan places to visit that will interest your kids and choose camp spots with amenities your kids can enjoy. Spending quality time together will make your RV road trip an exciting and memorable occasion.

Learning Experience

An RV road trip can be a great learning experience for children of all ages. Whether you’re exploring the great outdoors or visiting cultural sites, your kids can learn something new if you take time to answer their questions and teach them about their environment. Even campgrounds have much to offer as your kids socialize with others or partake of organized activities.

Convenient and Economical

RVing helps cut down the costs of a family vacation by eliminating air fares, hotel bills and reducing the amount of meals consumed in a restaurant. Traveling with a fully loaded kitchen makes it easier to prepare delicious and nutritious meals on the go. Many families find campgrounds a safer, more engaging environment for their kids than staying in a hotel. There’s also no need to unpack and repack your suitcases when you’re ready to move on.

By acquiring RV insurance before your road trip, you can enjoy stress-free travels with your kids. For expert advice on RV insurance coverage, give us a call at Stevens Insurance. We’ll set you up with just the insurance protection you need.

Home Foundation Problems

Problems with the foundation of a home hide from view sometimes. The first signs of foundation problems may come from “settling.” Settling occurs if the earth under a home’s foundation starts to sink. This can happen for a variety of reasons.

Back-filled soil that is not properly compacted is one of the main causes. Areas prone to earth movement, such as those with common earthquakes are another common reason for foundation settling. The first signs are small cracks in the walls, uneven flooring, or things just going out of plumb and level. Plumb is the straight line from floor to ceiling. Level is the balanced line that is horizontal.

When foundations start to move, one thing that might occur is that the doors seem to jam and not open easily. This may be a combination of plumb and level problems, because if the openings for the doors shift, the doors can no longer move properly.

If one suspects foundation shifting, then look at the foundation itself. It is best to hire a professional for the inspection and if the news is bad, get a second opinion about how to shore up a sinking foundation.

The professionals will go under the house and look for cracks or portions of the foundation that are sinking. Serious problems will usually be obvious. A professional will give an evaluation of structural soundness, estimate the cost of making repairs, and give advice about the steps to take to prevent further damage.

Remediation might include shoring up the existing foundation by pouring reinforced concrete, placing bracing and supports that go deep into the ground to the bedrock, and/or filling any sinkhole with compacted earth.

The main thing to do is catch this problem before it gets worse and take the actions necessary for abatement before more damage occurs.

Homeowners need to be aware of this problem because the cost of repairs can be extensive. Some home insurance covers this kind of damage, other policy do not. Be sure to consult with your agent at Stevens Insurance to review homeowner’s insurance for adequate coverage.