Renting an apartment or a house means the building is covered under the owners insurance policy. Unfortunately the renters things are not covered under the owners policy. In addition the cost for temporary housing is not covered by the owner or landlord's insurance policy. 

Example:  A kitchen fire occurs from an unfortunate mishap and completely destroys the apartment. The owner or landlord requires payment to rebuild the apartment. Who should pay for for damages? The mishap occurred by the tenant, in this case the tenant may be found labile for damages.  The average cost to replace and rebuild an apartment can cost as much as $500,000.  

In addition while the apartment is being renovated local laws prohibits people to occupy the apartment as it is not safe. Who pays for temporary living expenses like a hotel, and meals?  

With a renters insurance policy, a policyholder can receive $500,000 for damages, plus additional living expenses up to $15,000.  The average cost of a renters insurance policy is between $10-$30 per month. Contact us today for a no obligation quote.  

Spring is right around the corner, and the warmer weather often prompts people in Las Vegas, Nevada to hop in their cars for weekend (or longer) road trips. 
 
Unfortunately, too many of those trips will end up being memorable for the wrong reasons, due to crashes and other risks that drivers face anytime they hit the road. 
 
You can take control of your next trip, whether it’s across the state or across town, by following these simple rules: 
 

1. Pay attention. Do you know how many drivers around the country are using cell phones or other electronic devices right now? If it’s daytime, the answer is approximately 660,000, the National Highway Traffic Safety Administration says. Anything that takes your eyes off the road or distracts you increases your risk of a crash. Here’s another reason to avoid distractions: If you’re completely alert, you have a better chance of steering clear of that guy who is shaving on his way to work. 

 

1. Stay sober. One bad decision can change lives forever, and driving under the influence is an extraordinarily bad decision. Nearly 15,000 died in 2012 in crashes involving impaired drivers, according to the National Safety Council (NSC). So get a designated driver — or better yet, be a designated driver. Best of all, have the party at your house and let everyone sleep over. 

 

1. Slow down. They say “speed kills,” and, as depressing as it sounds, it’s true. Crashes caused by excessive speed cause more than 10,000 deaths a year on average, the NSC says. Surprisingly, you are most at risk on roads where the speed limit is 55 mph or below. Remember, the posted speed limit isn’t always the best speed to travel. Depending on conditions, going slower might be the safest option.  

 
Improving safety on the roads isn’t rocket science. Just a little common sense can make a big difference for you, your passengers and your fellow drivers. So be alert and be safe out there on the roads in Las Vegas, Nevada.

If umbrella policies are good for individuals, then they are imperative for business. When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not.
 
The rising costs of lawsuits and judgments are important for today's business owner to consider. Catastrophic liability losses can happen to any business at any time, and a commercial umbrella policy protects you when those losses exceed your basic liability coverage. The time and effort you have taken to build your business is too important for it to disappear after one unforeseen event. Call  Insurance Group of Nevada at (702) 996-6434 or email us at [email protected]  today about a commercial umbrella insurance policy.