Insurance Group of Nevada Blog
Think home security in Las Vegas is still about bulky camera equipment and wires running all throughout your home? Think again.
Today, things have changed quite a bit, and the playing field has been leveled. Advanced tools and security systems are more accessible and affordable than ever. (And installing them might get you a discount on your homeowners insurance, too.)
Full-service systems are still a popular option with many people. Companies offer central monitoring, video surveillance, smoke/carbon monoxide detection and more. Some even include home automation tools so you can control appliances from anywhere, and many will send text-message alerts in response to specific occurrences, such as when the kids enter the house after school.
Do-it-yourselfers who don’t want an all-in-one system have many choices as well. Here are three of the newest and most popular security tools:
1. Smart (and small) cameras
Cameras today can be tucked anywhere and don’t require wires. With a good battery and wi-fi connection, you can see what’s happening outside — or inside — with a glance at your phone or computer.
2. Key-free doors
Say you have a friend stopping by to check on your dog while you’re gone for the day. You don’t have to risk leaving a key outside. With a code-based entry system, you can simply provide your friend with temporary access that turns on and off when you want.
3. Home automation products
It’s easier than you think to give yourself remote access to the lights and appliances in your home. At least one available product can be used with your existing power outlets; simply plug it in and control the power to that outlet from an app on your smartphone. Don’t ever worry about forgetting to leave a light on again.
Of course, even “old-school” tools, such as motion-activated outdoor lights, can still have a big impact on security. So whether you choose high-tech tools or stick to the basics, you’ll be making your home here in Las Vegas a less attractive target for burglars.
Shopping for insurance is never fun. There is over 200 different auto insurance companies in Nevada to choose. Many of the insurance companies operate under brand identities such as GEICO, Liberty Mutual, Progressive, Farmers. How do you compare and contrast different rates that are offered to Nevada? Utilizing the Nevada Division of Insurance you can view the insurance companies approved rates in Nevada.
There is a some things you need to consider before diving into the insurance carrier rate filings. First, know what territory you reside in. One of the many characteristics to insurance rates is where someone lives. This is also known as the base rate. Insurance companies with lower base rates then its competitors may provide you with more savings. Second thing to consider is the amount of discounts that are filed with each insurance carrier. Lastly you would need to determine the class factor. The class factor is how different vehicles are rated.
There is additional characteristics to the price of an auto insurance policy that may impact the price you pay. The additional characteristics include things like your driving record, prior insurance history, personal credit.
If your credit has been damaged due to a financial hardship you have the opportunity to contact your insurance company and request that your credit not be used as a rating factor
"NRS 686A.685 came into effect on October 1, 2011. It provides that a personal-lines insurer that uses credit information shall, upon receipt of a written request from an applicant or policyholder, provide reasonable exceptions to the insurer’s rates, rating classifications, company or tier placement, or underwriting rules or guidelines for an applicant or policyholder who has experienced and whose credit information has been directly influenced by any of the following:(a) A catastrophic event, as declared by the Federal or State Government;
(b) A serious illness or injury, or a serious illness or injury to an immediate family member;
(c) The death of a spouse, child or parent;
(d) Divorce or involuntary interruption of legally-owed alimony or support payments;
(e) Identify theft;
(f) Temporary loss of employment for a period of 3 months or more, if it results from involuntary termination;
(g) Military deployment overseas; or
(h) Other events, as determined by the insurer."
Source: Nevada Division of Insurance