Home Insurance Quote
Home Insurance Discounts
Common home insurance discounts:
- Multi-Policy Discount
- Home Buyer Discount
- Protective Device Discount
- Claim-Free Discount
Condo Insurance Discounts
Common condo insurance discounts:
- Multi-Policy Discount
- HOA/Gated Community Discount
- Protective Device Discount
- Claim-Free Discount
Renters Insurance Discounts
Common renters insurance discounts:
- Multi-Policy Discount
- Long Term Customer Discount
- Protective Device Discount
- Mature Insured Discount
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Why Buy Home Insurance and What Does Home Insurance Cover?
The simple answer is: to protect your assets. Asset protection, in general, is the main reason for purchasing home insurance in Nevada. A home insurance typically protects the structure of your home, your personal property, and provides a certain legal liability protection.
The home insurance is offered to homeowners, condo owners, and renters in different packages. Each home insurance package protects against specified perils like fire, storm, theft, and other risks that a specifically named in the home insurance policy.
Home insurance coverages are subject to specific exclusions and definitions. For example, homeowners policies do not include damage caused by flood waters. Most items are covered up to stated limits for covered perils like theft or fire, and some items such as jewelry may need to be insured individually to provide protection. Check some of the main types of home insurance coverages we offer in Las Vegas.
Dwelling Coverage A
Dwelling coverage pays for damage to your house that includes damage to fixtures, such as plumbing, electrical wiring, heating, and A/C systems.
Other Structure Coverage B
Other Structure coverage package pays for damage to freestanding garages, fences, guest cottages, and other structures not attached to your house.
Personal Property Coverage C
This coverage reimburses you for the value of your damaged or lost possessions on your property. Limited coverage for some personal property.
Loss of Use Coverage D
Loss of Use coverage pays some of your additional living expenses while your home is being repaired as a result of damage by an insured event.
Personal Liability Coverage E
Personal Liability provides coverage if a claim is made against you because of bodily injury or property damage arising from a covered by insurance occurrence.
Medical Payments Coverage F
Pays medical expenses for persons accidentally injured on your property or away from your property caused by a member your family or your pets.
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Frequently Asked Questions
I am just renting, do I still need insurance?
Renters insurance policy offers protection for your personal property such as your furniture, electronics, and other personal belongings in case they are stolen or damaged by a covered occurrence.
Is homeowners insurance really mandatory?
Home insurance is not a requirement under Nevada law, but you may be required to buy it by your mortgage lender. Most mortgage lenders require you not only to have home insurance as long as you have a mortgage but to list them as a mortgage lender on the home insurance policy. In addition, a home insurance policy is peace of mind – it protects you, your home, and personal property.
Home insurance prices depends on what?
Home insurance prices and premiums depend on amount of coverage, type of house construction, age of house, deductible amount, credit reports, claim history and the current available discounts.
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About Us
Cheap Las Vegas Insurance is owned and operated by Selection Insurance LLC – an independent insurance agency that offers affordable insurance options to Nevada Las Vegas Valley residents.
Address:
Selection Insurance Agency
6875 W Russell Rd Unit A
Las Vegas, NV 89118
Phone: 725-777-3777
Our Services
Our mission is to help our clients get the best and cheapest possible insurance. Once we know your insurance needs and current situation we search and compare multiple quotes from many trusted insurance carriers, before selecting and presenting to you the cheapest and best offers to choose from. Want to lower your insurance bills?
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