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Prepare Before Hurricane Season 2023

Hurricane Preparedness >

Hurricane Preparedness - Prepare Before Hurricane Season. Develop an evacuation plan. Assemble disaster supplies: food, water, batteries, charger, radio, cash. Get an insurance checkup and document your possessions. Create a communication plan with a hand-written list of contacts. Strengthen your home.
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The best time to prepare is before hurricane season begins. Avoid having to rush through potentially life-saving preparations by waiting until it’s too late. Get your disaster supplies while the shelves are still stocked, and get that insurance checkup early, as flood insurance requires a 30-day waiting period.

Develop an evacuation plan
If you are at risk from hurricane impacts, you need an evacuation plan. Now is the time to begin planning where you would go and how you would get there. You do not need to travel hundreds of miles. Your destination could be a friend or relative who lives in a well built home outside flood prone areas. Plan several routes. Be sure to account for your pets.

If you don’t have a vehicle, check with local officials to see what transportation options they may have available.

Assemble disaster supplies
Whether you’re evacuating or sheltering-in-place, you’re going to need supplies not just to get through the storm but for the potentially lengthy and unpleasant aftermath. Have enough non-perishable food, water and medicine to last each person in your family a minimum of 3 days (store a longer than 3-day supply of water, if possible). Electricity and water could be out for weeks. You’ll need extra cash, a battery-powered radio and flashlights. You may need a portable crank or solar-powered USB charger for your cell phones. And lastly, don’t forget your pets!

Get an insurance checkup & document your possessions
Call your insurance company or agent and ask for an insurance check-up to make sure you have enough insurance to repair or even replace your home and/or belongings. Remember, home and renters insurance doesn’t cover flooding, so you’ll need a separate policy for it. Flood insurance is available through your company, agent, or the National Flood Insurance Program at floodsmart.gov. Act now, as flood insurance requires a 30-day waiting period.

Take the time before hurricane season begins to document your possessions: photos, serial numbers, or anything else that you may need to provide your insurance company when filing a claim.

Create a communication plan
Take the time now to write down your hurricane plan, and share it with your family. Determine family meeting places, and make sure to include an out-of-town location in case of evacuation. Write down on paper a list of emergency contacts, and make sure to include utilities and other critical services — remember, the internet may not be accessible during or after a storm.

Strengthen Your Home
Now is the time to improve your home’s ability to withstand hurricane impacts. Trim trees. Install storm shutters, accordion shutters, and/or impact glass. Seal outside wall openings. Remember, the garage door is the most vulnerable part of the home, so it must be able to withstand hurricane-force winds. Many retrofits are not as costly or time consuming as you may think. If you’re a renter, work with your landlord now to prepare for a storm.

And remember – now is the time to purchase the proper plywood, steel or aluminum panels to have on hand if you need to board up the windows and doors ahead of an approaching storm.

Your home insurance does not cover damage from Floods. Make sure you get protected at least 30 days before a storm. There is a 30 day waiting period before coverage begins once you start a policy.

Contact the agents at Get Help With Insurance Inc by calling (702) 541-0882. https://gethelpwithinsurance.net. Our office is located in the Water Street District 223 S Water Street, Suite B, Henderson, NV 89015. We look forward to help you.

Social Service Organizations Need Business Insurance

Robust coverage and competitive pricing is available for social service organizations.

– New ventures are welcome
– Package policies including General Liability, Abuse and Property are available
– Umbrella/Excess is available
– Directors & Officers, Employment Practices and Professional can be included
– Special Event coverage can be included

We are able to consider over 200 diverse classes of Social Service operations including but not limited to:

– After School Care
– Animal Shelters
– Booster Clubs
– Counseling
– Community Gardens
– Caregivers and Companion Cares
– Food Banks
– Health Care Clinics
– Residential Group Homes, Shelters and Hospice
– Substance Abuse Recovery
– Thrift Stores
– Youth Mentoring
– Vocational Workshops

Our company specializes in writing allied healthcare businesses, nonprofits and technology businesses. Please let me know if you would like to get insurance quote options.

Bonnie Grant, Licensed Insurance Broker

223 S. Water Street, Suite B, Henderson, NV 89015

702-541-0882, office

help@gethelpwithinsurance.net

Contact us today to get help.

Social Service Organization Insurance

Robust coverage and competitive pricing is available for social service organizations.

– New ventures are welcome
– Package policies including General Liability, Abuse and Property are available
– Umbrella/Excess is available
– Directors & Officers, Employment Practices and Professional can be included
– Special Event coverage can be included

We are able to consider over 200 diverse classes of Social Service operations including but not limited to:

– After School Care
– Animal Shelters
– Booster Clubs
– Counseling
– Community Gardens
– Caregivers and Companion Cares
– Food Banks
– Health Care Clinics
– Residential Group Homes, Shelters and Hospice
– Substance Abuse Recovery
– Thrift Stores
– Youth Mentoring
– Vocational Workshops

Our company specializes in writing allied healthcare businesses, nonprofits and technology businesses. Please let me know if you have any submissions coming up that we can quote.

Get Help With Insurance, Inc.

(702) 541-0882, office

(888) 258-0208, fax

help@gethelpwithinsurance.net

Workers Compensation: Past, Present and Future

By Bill DonnellJuly 12, 2023 Reprinted from NCCI.​

The workers compensation system is healthy and strong. On behalf of the National Council on Compensation Insurance (NCCI), it feels great to be able to say that with confidence, especially as NCCI is celebrating its 100th Anniversary. A visionary group of insurance policymakers and leaders created NCCI in 1923, and from its inception, our role has remained the same: to foster a healthy workers compensation system.

During the past 100 years, workers compensation has made American workplaces safer and helped millions of people recover from workplace injuries. Employers, workers, legislators, regulators, carriers, and all system stakeholders can be justifiably proud of what we have accomplished together—through 17 recessions, one world war, a fourfold expansion of the workforce, and a global pandemic—since the early 1920s. The system has been tested, and there will always be challenges. It’s how we prepare and respond that makes the industry resilient.

While this is a moment worth celebrating, it’s also a time to reflect on where we are today and on the challenges we may face in the future.

Workers Compensation Performance

At our recent Annual Insights Symposium (AIS), NCCI Chief Actuary Donna Glenn shared our comprehensive State of the Line Report. She emphasized that there is no one number that sums up the story of workers compensation today. But in the aggregate, the numbers she shared tell a compelling story.

For example, total nationwide workers compensation net written premiums increased 11% during the past year, rising to $47.5 billion. That is slightly higher than the premium level in 2019, indicating workers compensation has essentially made up the ground that was lost during the pandemic.

The 2022 calendar year combined ratio stands at 84%, another year of sub-90 performance, a sign of strong financial performance. The accident year combined ratio is also below 100 at 97% with prior years continuing to experience downward reserve development. NCCI estimates that private carriers hold redundant reserves of $17 billion, an increase from 2021. After a spike in 2021 related to various factors from a shifting workforce due to the pandemic, claim frequency has returned to its 20-year trend trajectory, declining 4% in the past year.

However, we do see a notable rise in severity for 2022, with medical claim severity increasing at about 5% and indemnity claim severity rising at about 6% year over year.

Potential Risks to Workers Compensation

Severity increases create the potential for longer-term risks to the health of the system when considering inflation and a potential recession. NCCI experts dug more deeply into related cost drivers, looking at trends in medical service, inflation, and “large” claims, which are defined as claims greater than $1 million.

Medical inflation has been much more muted than general inflation. Paying specific attention to the components of medical services that most directly impact workers compensation claims, the change in price index was roughly 2.5% to 3.5% year over year. Some components of medical services have even greater price pressure than this, such as home health, medical supplies, and transportation. These components tend to have a more significant impact on large, catastrophic claims than smaller claims, which is one reason we completed an in-depth study on large losses.

Our large claims research shows the frequency of large claims has decreased at an annual rate of 3% during the past 20 years. However, the relative frequency of large claims due to burns, spinal cord injuries, and traumatic brain injuries has grown by nearly 7% per year since 2012. By contrast, large claims for degenerative disc disorders and back pain have decreased by 11% per year over the same period. In the first year, hospital costs are the biggest driver of large claims. As the claim ages, home health care services and medical equipment become the largest factors driving medical expenditures for these claims. It’s important to note that large claims are less than 0.5% of lost-time claims but make up a significant portion of total losses in workers compensation, up to 15%.

These increases in medical inflation, and the potential for large claims to escalate, are issues we will monitor closely. Today, however, they do not create any cause for alarm in relation to the health of the workers compensation system.

Framing the Future

Like many things, workers compensation is more complex than it was in 1923. One hundred years from now, the system will look vastly different than today. The only certainty is that we must continue to evolve and be responsive to our stakeholders.

NCCI is paving the way for fresher data that supports critical industry analysis, revitalizing the class system to reflect the modern workforce and workplace, and transforming how you access NCCI data, solutions, and Thought Leadership to help you make informed decisions. Our stakeholders have asked for this, and we are responding.

This is an exciting time for our industry and NCCI as we prepare for the next 100 years. We serve the system: carriers, regulators, policymakers, and all those who support our most important system stakeholders—workers and their families. NCCI is committed to the workers compensation system—now and for our future.

​This article is provided solely as a reference tool to be used for informational purposes only. The information in this article shall not be construed or interpreted as providing legal or any other advice. Use of this article for any purpose other than as set forth herein is strictly prohibited. Reprinted from NCCI.

How to Navigate Your Next Property Renewal

The US property market has gone through some difficult times of late.’

A number of internal and external factors are affecting market dynamics and adding to the pressures felt in all aspects of the insurance value chain.

Chief among these pressures is a hardening market in which increasing rates are seeing premiums rise north of 50% for customers in some sectors, creating problems for agents and insureds alike.

These challenges mean that conversations around risk placement strategies are going to get much more complicated, but that doesn’t mean they should be shied away from — these difficult conversations are essential.

To help these conversations go more smoothly, Get Help With Insurance has brought together four key tips to ease the pain of your next property renewal.

Start Renewal Discussions Early

The increasingly complicated nature of renewals means that insureds need to be brought up to speed as early as possible. They also need to be made aware that they’ll face increased premiums at renewal and that those increases could be quite large in some cases. Bad news late is always worse than bad news early.

Education Is Key

Insureds need to be educated about the reasons for the ongoing rate increases, but most importantly, they need to be made aware of what to expect so they can plan accordingly. Here at Get Help With Insurance, we firmly believe brokers are there to educate their customers and ensure that customers are fully aware of the risks they face and how to mitigate those risks.

Use Data to Explain the State of the Property Insurance Market

In a hard market, it’s important that agents can give clients appraisals or cost-of-construction scenarios that show precisely why an insurer has insisted on an increased valuation of a property portfolio or a higher premium.

Brokers need to be able to give honest examples and case studies that bring the situation to life, because it’s then much easier to explain the state of the market and help the customer understand why everyone is facing these pressures.

Become a Trusted Partner

The most successful agents seek to become a trusted partner of their insureds, rather than just focusing on selling an insurance policy. The increased risks and costs facing the US Property Insurance market means that brokers need to become much more involved in the risk management practices of their insureds.

Those companies that see themselves as best-in-class when it comes to managing their risks will have to find a way to demonstrate that to their insurers, and brokers have a key role to play in that flow of information.

Talk to an independent agent today to see how you can save on your building insurance. Is it time to check out your insurance rates? Call our office at (702) 541-0882.

Common Insurance Terminology

25 Common Insurance Terms and What They Mean

Every industry has its own unique language and terminology, and insurance is no exception! But whether you’re insuring a new car or settling into a new house, we believe in making the process as easy and stress-free as possible. That’s why we’ve created a guide to 25 commonly used insurance terms to help you navigate everything from deductibles to depreciation with ease.

Why Understanding Insurance Terminology is Important

You work hard to build your assets and want to know they are protected against anything that might take them away or do them harm. Should the unforeseen happen, you’d want to know exactly what needs to be done to get back to living your life to the fullest. The more you know about insurance and how it works, the better equipped you will be to work with your independent insurance agent and ensure your valuable assets are protected.

By identifying your liabilities and protecting you from loss, the right insurance coverage helps you maintain financial well-being and peace of mind. Ensuring your assets doesn’t have to be stressful. Here are some common insurance terms to get you started:

Actual cash value

This term refers to the amount required to fix or replace your insured property, minus the depreciation of that property’s original value due to age or use. Actual cash value represents the amount you could expect to receive for the item if you sold it in its current condition before it was stolen or lost. It is in most cases less than full replacement cost value. 

Actuary

A professional who measures risk and helps the insurance carrier design policies.

Additional insured

A person or business, other than the policyholder, who is covered by an insurance policy. However, the protection granted is often more limited than the policyholder’s protection.

Appraisal

The estimated value of a property, such as real estate or a business, as calculated by a property appraiser.

Claim

A request for payment of losses from an insurance company according to the terms of a policy.

Claimant

The person or entity filing a claim on an insurance policy.

Declarations page

A summary page of the important details of an insurance policy, including the policyholder’s information, the policy number, premiums, limits, coverages, dates of coverage and deductibles.

Deductible

The amount of money the policyholder must spend on a covered claim before the insurance company begins to contribute.

Depreciation

The amount of value an adjuster will decrease based on the type of property and pre-damage condition, age, and wear and tear. 

Endorsement

An amendment to an insurance policy that updates the terms of coverage, either by adding, removing or changing coverage. This is also called a rider. 

Exclusion

A provision within an insurance policy that eliminates policy coverage for a specific property, actions, locations or damage. 

Grace period

The time period after the insurance policy premium due date, during which a policyholder can pay the premium without the cancellation of coverage.

Hazard

A hazard is any factor or condition that increases the chance of loss or accelerates damage.

Indemnification

A contractual agreement that requires the insurance company to compensate for damages or losses up to the covered amount.

Insurance rider

An amendment to an insurance policy that updates the terms of coverage, either by adding, removing or changing coverage. Another name for this is an endorsement.

Insured

The property, person or entity that is covered by insurance.

Insurer

The entity that agrees to pay compensation for damages or losses.

Lessee

The tenant who rents or leases a property from a lessor.

Liability

A legal term for the responsibility that creates risk.

Liability coverage

A standard component of many insurance policies that helps pay for damages or injuries sustained by others as a result of your liability, or an accident that happens on your property.

Loss of use

May refer to a body part that was permanently damaged or a home that is rendered temporarily uninhabitable. Loss of use coverage pays for certain costs incurred under these circumstances.

Med pay

Part of an auto insurance policy and also called “medical payments coverage.” This coverage can help pay medical expenses for you, any passengers, pedestrians or anyone else injured in an accident. It can also cover the insured’s injuries sustained as a passenger in someone else’s vehicle.

Peril

A specific cause of property damage that results in financial loss. Perils can include storms, wind, fire, water and even theft.

Premium

The amount of money the insured pays monthly or annually for an insurance policy.

Underwriting

The process the insurance carrier goes through to determine the degree of risk, terms of coverage and premium to charge to write your insurance policy.

Insurance Terminology & Concepts Overview

Learning how these insurance terms and concepts work will give you a foundation for understanding your policy and coverage. Here’s an example to help you better understand these terms in context:

It is important to know that an actuary does the research to create insurance policies, while your independent insurance agent searches issuers to find the best coverage for you.

It all starts with indemnification, the basic premise behind insurance. The insurance carrier indemnifies you, the policyholder, with a promise to compensate you in the event of a loss. As part of the insurance contract, you agree to pay premiums, typically monthly or annual payments.

When you make a claim, you will pay the deductible on the policy first, and then the insurance company will pay for the damages based on a depreciated value of the property. The amount of the deductible usually has some effect on the premium totals. When you agree to a higher deductible, you could get a lower premium.

In the event you must make a claim on your insurance policy, the insurance company investigates the incident against the terms of the policy. The amount you receive to compensate you for damages is based on a depreciated value, what the property is worth now rather than when you first bought it, and the limits of the policy. In some situations, it is possible to get an insurance policy that pays out the replacement cost, rather than the depreciated value, of your property.

Have Questions About Any of These Terms or Others on Your Insurance Policy?

Reach out to an independent insurance agent to learn more!

Why Did My Insurance Go Up?

Have you ever noticed insurance rates fluctuate over time, even if you haven’t made changes to your policy? This is normal and occurs for many reasons, like labor costs, economic changes, and shifting weather patterns.

With everyone feeling the pinch these days, many are looking for ways to reduce their home and auto insurance premiums. Taking advantage of insurance discounts is a great place to start, but let’s take a closer look at your options. 

Why Are Home Insurance Rates Going Up?

Homeowners insurance premiums can go up for a few reasons:

Policy Changes

If you report an increase in your home’s value, or adjust policy limits, you may see higher annual insurance premiums. This makes your home more expensive to insure, so the insurance company must also change the amount of coverage you are responsible for.

Photo of costs of materials and labor over time

Material Costs

Homeowners insurance premiums are calculated based on your property’s value and the cost to repair or restore it. Supply chain problems, inflation and other economic factors can increase the cost of building supplies. When this happens, the cost to rebuild your home after a loss also increases, resulting in higher annual premiums.

Labor Costs

Much like materials, the price of labor is a big component in your insurance costs. As skilled laborers like electricians, plumbers and carpenters raise their rates, the cost to repair your home will rise, too.

Why Is Car Insurance So Expensive?

Auto insurance premiums rise for several reasons, including:

Higher Repair and Replacement Costs

Just like home insurance, auto insurance rates are affected by the price of parts and labor. Car parts are becoming harder to find and mechanics are charging more for their labor. As a result, the cost to repair a vehicle after an accident is going up. In response, your insurance premiums also rise.

In addition, the price of automobiles continues to rise. In fact, according to J.D. Power, the average price paid for a new vehicle in the U.S. was up 4.2% year-over-year in January 2023. If your vehicle is totaled in a accident, it will cost more to replace it, which can lead to an increase in your insurance premiums.

More Severe Accidents

Speeding, distracted driving and other reckless driving habits result in expensive accidents. When accident rates increase and payouts grow, so do insurance premiums. Regardless of your personal driving record, living in an area with high accident rates will drive your premiums up.

You Recently Moved

Moving can have a big influence on your insurance rates, for example, moving to an area with higher accident rates or more traffic. Even the price of your neighbors’ cars can increase your insurance rates, as you’ll need to ensure you have enough coverage in place to protect you in the event of an accident.

Protection From the Uninsured

Nothing complicates a traffic accident like hitting an uninsured, or underinsured, driver. When this happens, it puts you and your insurance provider in a position to take financial responsibility for damages – even if the accident wasn’t your fault. Adding uninsured motorist coverage to your policy will increase your annual premiums but can be a great way to minimize the financial impact of an accident.

How Bad Weather Affects Insurance

Insurance policies protect against severe weather incidents like tornadoes, hail and wildfires. According to the NOAA, the U.S. has experienced 10 or more billion-dollar disasters each year for the last eight years.

The frequency and severity of these weather disasters can have a dramatic impact on both home and auto insurance. As the climate continues to change, so will insurance rates for people across the country.

How Can I Save on Insurance Premiums?

Fortunately, there’s a lot you can do to get proactive and save on your insurance costs. Whether home or auto, here are a few things to try:

Review Your Policy

Make sure your policy covers all the essentials, but you aren’t paying for coverage you don’t need. For example: Removing a shed, pool, or other outbuilding from your property presents an opportunity to review your insurance needs. When you make that kind of change, be sure to update your insurance policy to ensure you’re paying for the appropriate coverage.

Increase Your Deductible

A deductible is the amount you are responsible to pay after a loss. For example, say you cause an accident that results in $2,000 in damage to your car. If you have a $500 deductible, you will be responsible for paying that amount while your insurance company covers the other $1,500. Increasing your deductible also increases the amount you are responsible for after an accident. However, it can be a great way to save on your monthly insurance costs if you are a safe driver and aren’t likely to end up in an at-fault accident.

Prevent a Loss

It’s well known that claims will increase your insurance rates. Prevent an incident by:

  • Installing smoke detectors, security systems and more in your home
  • Installing smart home systems in your home such as motion sensors, video doorbells, and water leak sensors that will send you an alert on your mobile device
  • Adding safety features like anti-lock brakes, a backup camera, or an anti-theft device to your car
  • Installing safe driving devices or taking a defensive driving course, and more

These options are a great way to reduce your risk and qualify for new discounts.

Ask About Discounts

Speaking of discounts, most insurance providers offer savings for safe driving, loyalty, purchasing multi-vehicle policies and more. An independent insurance agent can help you find and sign up for all the discounts available to you.

Pay in Full

Another great way to save on your auto insurance premiums is to explore your payment options. Many insurance providers will offer paid in full discounts for drivers who choose to make a single payment rather than breaking their premiums down into monthly installments. In some cases, you can even find discounts for setting up auto pay rather than manually making payments each month.

Bundle Your Policies

Insurance companies love to reward loyalty, so the easiest way to save on insurance is often to bundle your policies. This means keeping your homeowners insurance, commercial insurance coverage, auto policy and any other coverage you may need with the same provider. Doing so saves you trouble if you need to file a claim and can be a great way to save money.

Forbes estimates that bundling insurance policies saves consumers an average of 14% each year.

Talk to an independent agent today to see how you can save on your home and auto insurance. Is it time to check out your insurance rates? Call our office at (702) 541-0882.

What is Home Insurance?

GET A CUSTOMIZED HOME INSURANCE QUOTE

Your home is a place to create lasting memories, and it may be the largest financial investment that you’ll make. Sometimes called HO policies or hazard insurance, homeowners insurance provides coverage to repair or replace your home and its contents in the event of damage. It is also often a required part of your mortgage agreement with your lender.

Help safeguard your house by speaking with an independent insurance agent today for a personalized homeowners insurance quote. Call our office now to get started.

Get to Know Home Insurance Coverage

At Get Help With Insurance, we understand your home is as unique as you are. That’s why we offer excellent standard coverage tailored to fit your individual needs and budget. Plus, we have additional options that can be customized to protect your home — inside and out.

Homeowners insurance is sometimes referred to as house insurance, HO policies, or hazard insurance. Whatever you call it, these coverages are included with every home policy:

Dwelling Property

Protects your house and attached structures from fire and smoke, weather damage, theft and more.

Personal Property

Protects your personal belongings (clothing, furniture, appliances) at home and offsite.

Other Structures

Coverage for sheds, detached garages and other structures not connected to the main dwelling.

Personal Liability

Covers required payments from claims where you are determined to be at fault for damage to another person’s property.

Discounts & Ways to Save

Add up the savings with available discounts for your policy! You may be eligible to reduce your rate if you qualify for any of the following on your policy. Your insurance agent can help you receive each discount that you are eligible for, which may include:

Auto and Home Insurance Bundle
New Home Discount
Loss-free
New Construction
Alarm & Safety Equipment
New Roof

Popular Additional Coverages for Homeowners

We provide home insurance to help protect one of your most important assets — your house itself — as well as its contents, equipment, and more. Additional coverages can help protect your “home sweet home” in the event of a variety of risks, such as:

Cyber and Identity Fraud
Loss of Use
Valuables Coverage
Water Back-Up and Overflow
Service Line Coverage
Equipment Breakdown
Personal Injury
Home Business Property

Get a Homeowners Insurance Quote

Get Help With Insurance, Inc is an independent insurance agents in your neighborhood to provide you with local knowledge. They can customize coverage for your unique situation and find affordable home insurance that fits your budget and risk. Reach out to an agent today to receive a free quote.

FIND AN AGENT

Independent agents offer the best value when shopping for insurance because they are equipped to find you the best combination of coverage, price and service.

Talk to an independent agent today to see how you can save on your home and auto insurance. Is it time to check out your insurance rates? Call our office at (702) 541-0882.

DISCLAIMER

These summaries represent only a brief description of home insurance coverages. Some products, coverages and discounts are not available in every state.

What is Condo Insurance?

Condo insurance, sometimes referred to as HO-6 insurance, is like homeowners’ insurance for people who live in condos. Condo home insurance covers many of the same things a homeowner’s policy does: damage from fire, water, theft and vandalism. It covers the parts of your condo that are not the responsibility of the homeowners’ association: the inside walls, plumbing, electrical and your possessions.

Owning a condo includes a unique set of responsibilities. You share property ownership with all the other unit owners, and rules are set by the homeowners’ association. Condo insurance fits this unique niche of property ownership, covering your liabilities and potential losses.

A licensed, independent agent near you will be able to provide you condo insurance coverage. Your agent will first review your needs and the requirements of your homeowner’s association. They will help you understand your coverage options and pricing and create a plan that suits your needs.

What Does Condo Insurance Cover?

While there is no standard condo insurance policy, condominium insurance costs typically include the coverages below. Other condo insurance coverages may be available to add to your policy. A qualified independent agent can help you decide what type of condo insurance coverage is right for you.

Personal Property

Your belongings that you keep in your condo would be covered by your condominium insurance. Depending on the coverage you select, this coverage might also extend to lost or stolen items you carry with you when you travel, like clothing and jewelry.

Building Property

Condo insurance will cover repair or replacement for the parts of the building that are your responsibility and not covered by the condo association. Built-in fixtures, doors or other parts of the building may be covered if damage is caused by a covered peril.

Personal Liability

Condominium insurance can cover you if someone brings a lawsuit against you for injuries or property damage they sustain while in your condo. It may also cover you if you or someone who lives with you causes damage to someone else’s property.

Medical Payments to Others

Anyone injured in your condo may have medical expenses covered by your policy, even if you do not cause the injury, such as a doctor’s visit or medicine. Guest medical coverage does not extend to you or anyone who lives in the condo with you.

Loss of Use

This section of a condo insurance policy deals with the costs associated with living somewhere else while damages to your condo are repaired. If your condo becomes uninhabitable due to damage, you might be covered for hotel and restaurant expenses incurred.

Loss Assessment

Your homeowners’ association may charge a special assessment fee following a catastrophic loss to help pay out-of-pocket costs for damages to community property. The Loss Assessment portion of your policy would cover all or part of your portion of that assessment.

Condo Insurance Discounts

Peace of mind doesn’t have to cost an arm and a leg. Main Street America Insurance’s condo coverages are not only customizable, but they’re also even more affordable with several discounts to put money back in your pocket.

Your Main Street America appointed independent insurance agent can help you feel confident that you have the right protection. Talk to them to see if you qualify for these or any other discounts:

  • New customer
  • Multi-policy
  • Loss-free
  • New condo purchase
  • Loyalty savings and loss forgiveness
  • Gated community
  • Active Adult (55+)
  • Alarm credits (Fire, Smoke)

Extended Protection — Optional Coverage

Additional types of coverage could be added to your condominium insurance policy to fit your particular needs. Talk to your independent agent to see if any of these add-on coverages are right for you:

  • Identity theft
  • Personal property replacement cost
  • Vacant unit
  • Water backup

Talk to an independent agent today to see how you can save on your home and auto insurance. Is it time to check out your insurance rates? Call our office at (702) 541-0882.

Auto Insurance Blog

PROTECT YOUR RIDE WITH QUALITY CAR INSURANCE

You rely on your car to start when you need it. You rely on your auto insurance to be there when you need it, too. Our personal auto policies offered by the carriers we work with bring you the protection you need, no matter where the road takes you. We can find you the perfect policy to fit your lifestyle and budget. Contact our office for a quick car insurance quote today.

Get To Know Our Auto Coverages

A personal auto policy provides both state required coverage and more, depending on what you need for your lifestyle and budget. Your agent can help you select the right coverages for your situation. Some of the core parts of your auto insurance policy include:

Comprehensive Coverage

Provides coverage for damage caused by accidents that don’t involve colliding with another vehicle or object.

Collision Coverage

Provides protection against collision or rollover damages, no matter who caused the accident.

Medical Payments

This coverage helps pay for medical care following an accident, regardless of who is at fault.

Bodily Injury Liability

If you injure someone in a car accident, this coverage pays for his or her medical expenses and any damages awarded in a lawsuit.

Property Damage Liability

This provides coverage if you are responsible for an accident and damage someone’s property.

Uninsured / Underinsured Motorists

Covers you and your car when a driver has no insurance or their policy has insufficient coverage.

Popular Additional Auto Coverages

Get Help With Insurance Agents provides car insurance for new drivers, families, mature drivers, and more. Our flexible options can help protect you, your passengers, and other people on the road in the event of an auto accident.

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New Vehicle Replacement

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Accident Forgiveness

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No Deductible Full Safety Glass

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Emergency Roadside Assistance

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Road Trip Interruption

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OEM Parts Replacement

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Diminishing Deductible

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Loan or Lease Assistance (GAP)

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Other Valuables Coverage

Ways to Save

We’ve got your car and your wallet covered with a variety of discounts. Your independent insurance agent can help you feel confident that you’re receiving each car insurance discount that you may qualify for. These are just some of many discounts you may be eligible for:

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Multi-Policy / Bundling

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Accident Free

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Violation Free

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Multi-Vehicle

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Defensive Driver Course

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Loyalty

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Good Student

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Auto Safety Equipment

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Pay in Full

Coverages and discounts not be available in all states and exclusions may apply. Insurance terms, definitions and explanations are intended for informational purposes only.

Talk to an independent agent today to see how you can save on your home and auto insurance. Is it time to check out your insurance rates? Call our office at (702) 541-0882.

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