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Las Vegas InsuranceInsurance for your auto, home,
business, life and health

Call today 702-254-7774

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Home Insurance

We specialize in providing home, condominium, and renter insurance policies based on your specific needs. We'll develop a plan that will help protect everything you've worked so hard to achieve. Home Insurance or (Hazard Insurance) can help you with your peace of mind, knowing that in the event of a covered loss, your damaged home will be rebuilt and your destroyed belongings will be replaced. Types of Hazard Insurance we offer are:Las Vegas Home Insurance

  • Homeowners Insurance
  • Condo Insurance
  • Renters Insurance
  • Landlord Insurance
  • Mobile and Manufactured Insurance
  • Specialty Homes Insurance
  • Earthquake Insurance
  • Flood Insurance
  • HOA Insurance

Types of coverages include:

  • Dwellings and other structures
  • Dwelling Improvements, Alterations, and Additions
  • Loss of use
  • Personal Property
  • Personal Liability

Have your Home Insurance re-evaluated! Call us today at 702-254-7774 or fill out our contact form and someone will get back to you!

 

Call 702-254-7774 for your Free Insurance Evaluation

$50 Gift Card!

 

Homeowners Insurance Frequently Asked Questions

Dwellings and other structures

For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for almost any type of damages except for a few common exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.

Dwelling Improvements, Alterations, and Additions

Condominium owners are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your condo insurance policy limits.

Loss assessment

Condominium owners will also receive up to $1,500 for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Typically, up to $50,000 is available, but this may vary depending on your policy.

Personal Property

Homeowners, condominium, or renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot, but those items all add up when you have to replace them.

Personal Liability

Finally, in the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium or renter policy provides liability coverage and personal property insurance should this ever occur.
*Only up to the limits of the insurance coverages purchased.

What if I don't have insurance?

Without insurance, you'll be responsible for protecting your property, possessions and liability exposure.
For instance, if your house burns down or is destroyed by a tornado, you'll need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. Do you usually have $500,000 readily available in case something like this happens? If so, could you be putting that money to better use instead of having it sit there just in case something happens?
Something else to consider: if someone is injured on your property, they may sue you for injuries and damages they sustain which may be well beyond $1,000,000. Without insurance, you may have to liquidate your assets and even lose a portion of your wages if you need to pay for a judgment.

Property: Your Home

  • Coverage for many types of damage and for many causes of loss or damage (subject to exclusions) to your home and separate structures, such as a detached garage.
  • Coverage for separate structures at a minimum of 10 percent of the limit of insurance you choose for your home (can be increased by endorsement).
  • Extended Replacement Cost coverage (can be increased up to 150 percent meaning that you may receive 50% above your dwelling limit in the event of a covered loss) is available in some states.

Property: Your Possessions

  • Coverage is based on a percentage of the limit of insurance you choose for your home.
  • Property is covered anywhere in the world.
  • Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions).
  • Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation.

Liability

  • Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
  • Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments

  • Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

  • Covers additional living expenses up to 24 months (depending on the policy type) if a covered loss makes your home unfit to live in.
  • Coverage is based on a percentage of the limit of insurance you choose for your home.
  • Includes loss of rental income for up to 12 months if a covered loss makes a portion of the home that is rented to others unfit to live in.

Optional Coverage:

Scheduled Personal Property
Scheduled and unscheduled coverage of important valuables is available.
Identity Shield
State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.

Property: Your Condo

Dwelling Improvements, Alterations, and Additions - you are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your condo insurance policy limits.

Property: Your Possessions

You choose the amount of coverage based on the property you own.
Personal property is covered anywhere in the world.
Coverage is on a named-peril basis, which means that only losses resulting from causes listed in the policy are covered (subject to exclusions).

Liability

Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
Includes costs to resolve claims or defend lawsuits brought against you.
Association loss assessment.

Medical Payments

Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

Covers additional living expenses if a covered loss makes your living quarters uninhabitable.
Coverage is based on a percentage of the amount of insurance you choose for your personal property.

Optional Coverage:

Scheduled Personal Property
Scheduled and unscheduled coverage of important valuables is available.
Replacement Cost
Contents replacement cost is available to pay for the cost of repairing or replacing lost or damaged items without deducting for their depreciation.
Identity ShieldSM
State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.

Your Possessions

  • You choose the amount of coverage based on the property you own.
  • Personal property is covered anywhere in the world.
  • Coverage is on a named-peril basis, which means that only losses resulting from causes listed in the policy are covered (subject to exclusions).

Liability

  • Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
  • Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments

  • Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

  • Covers additional living expenses if a covered loss makes your living quarters uninhabitable.
  • Coverage is based on a percentage of the amount of insurance you choose for your personal property.

Optional Coverage:

  • Scheduled Personal Property
  • Scheduled and unscheduled coverage of important valuables is available.
  • Replacement Cost
  • Contents replacement cost is available to pay for the cost of repairing or replacing lost or damaged items without deducting for their depreciation.
  • Identity ShieldSM
  • State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.
  

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Copyright 2014 by Jay Fisher Insurance | 1161 S Buffalo Dr. #103 Las Vegas, NV 89117