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The holidays are a joyous time, filled with family, friends, parties, food and fun. But with all that festive jolliness also comes a few risks. The Christmas season may be all about giving and gratitude, but holiday thieves, drunk drivers and winter weather can really put a damper on an otherwise happy season. That’s why, before we sing carols and deck the halls, we want to ask an important question: Do you have car insurance, Las Vegas?

Time For Car Insurance, Las Vegas Drivers

If you don’t have insurance or it’s been a while since you checked your policy and got familiar with your coverage, now is a great time to really assess your needs. Here are three reasons you need car insurance in Las Vegas today:

Thieves: While you’re bustling around a busy mall or picking produce for a perfect holiday feast, your car could be at risk. With all the chaos that comes with the most “retail” time of year, thieves often take advantage of the constant diversions by grabbing a vehicle full of newly purchased holiday gifts. If you’re a victim of theft and you don’t have a current auto insurance Las Vegas policy, you may be out of luck.

Drunk Drivers: You may be an excellent driver, but that doesn’t mean that those around you are. The holiday season is the time of year when drunk driving increases substantially, putting you, your vehicle and your health at risk. Make sure you have adequate car insurance to help you heal and start anew if you’re the victim of a drunk driving accident.

Winter Weather: While we’re pretty lucky in Las Vegas, you may be off to grandma’s house for the holidays. And other states aren’t quite as seasonally blessed as we are. Winter weather can wreak havoc on freeways and roads, and drivers unaccustomed or unprepared for the conditions could pay a hefty price. Make sure you’re insured before taking off on your holiday road trip.

Ready to talk insurance? Give us a call today!

Originally posted 2013-11-27 12:15:09.

After the tough economic environment of the past several years, if your business is still thriving this holiday season – that’s something to be grateful for indeed! So when you’re counting your blessings this Thanksgiving, give your business a little love and make sure you have the best business insurance in Las Vegas to protect it.

Are you wondering what business insurance can do for you? We’ll give you four reasons why a Las Vegas business insurance policy is the right thing for your company.

Business Insurance in Las Vegas: A Must for Your Holiday List

Business interruption: If there’s one thing we’ve learned from the volatility of recent years, is that you can’t predict the future in business. A number of events can hinder your ability to conduct business – like natural disasters that affect your community. Business insurance in Las Vegas will help protect you against the financial repercussions that come when you can’t conduct business as usual.

Home business equipment: If you own a company and work from home, you likely have a lot invested in office equipment and other supplies. What you may not know is that typically, your homeowners insurance policy won’t cover this business equipment. That said, your business insurance can.

Company vehicle property insurance: If you own company cars, you likely already have insurance covering them. But what that policy may not cover is the business equipment or supplies that could be destroyed in the event of a vehicle accident. This insurance also covers that equipment if it’s lost or stolen from the vehicle.

Key person insurance: Is there one employee or partner that is integral to your ability to conduct business? If so, you may consider key person business insurance. This coverage will help you recover your company in the event that a vital employee dies or becomes disabled by providing funds to allow you to continue operating.

Got specific questions on our business insurance policies and options? Give us a call today.

Originally posted 2013-11-04 15:25:22.

Like many people, you may be perfectly satisfied with your insurance provider. In fact, maybe you’re using the same auto insurance company your parents did (and their parents before them). You may not have a real reason to switch insurance companies or even look into your options – and you might be paying way, way too much. That’s why we offer bundled auto and home insurance to help you save money.

Bundle Auto and Home Insurance for Big Savings

Perhaps you found your current insurance providers because of their initial low policy price, or maybe you’re still with the same home insurance provider that your lender picked out for you. If this is the case, you may be passing up huge discounts for bundled auto and home insurance. At AMS Insurance, we can find you auto and home insurance policies with great premiums, then top them with a multi-policy bundling discount!

Aside from the savings, bundling your auto and home insurance is also convenient. Imagine writing and mailing one check per month (or year) rather than several. Or, if your home insurance is paid through your escrow account, imagine getting a few dollars back each year because of your newly discounted bundling rate.

We know it’s easy to get “comfortable” with your insurance carrier. But while you’re sitting comfortably, you could be saving big dollars! Along with home and auto insurance, you can also bundle other policies we offer, like renters or commercial property. Our dedicated insurance agents will work with you to determine the your family’s specific needs, then get you all the coverage you need at the best price available. At AMS insurance, we think of our customers as family – and what family would let each other pay too much for auto and home insurance?

Give us a call today for your free, no-obligation quote. Or get an instant quote online here.

Originally posted 2013-10-02 15:50:41.

So you’re buying a home. Congratulations! Buying a house – whether it’s your first time or your tenth – is a big accomplishment. But, as you likely know, it’s also a lot of work. The home buying process can take quite a while, and you’re likely aware of the many steps and requirements your lender and escrow officer will require. One big part of buying a new home is getting a homeowners insurance policy.

Homeowners insurance is a policy that provides financial protection against disaster like floods, wind storms, earthquakes, poor maintenance, etc. Depending on your insurance carrier and your policy, there may be exceptions to what is covered in your homeowners insurance policy.

Homeowners Insurance – Required by Your Lender

If you’re taking out a mortgage to buy your home, your lender will require – well, a lot from you! You probably already have an idea of the paperwork involved in securing your loan, but your lender will also require that you have a homeowners insurance policy in place before you close your loan.

Don’t worry; buying a homeowners insurance policy isn’t difficult – especially at AMS. We’ll work with you to determine your needs and meet the requirements of your lender. Often, you’ll pay your homeowners insurance premium at the close of escrow, along with a number of other settlement fees. However, this may vary depending on your transaction.

While your lender may give you a homeowners insurance premium quote when you receive your Good Faith Estimate, you are free to shop around to find a policy that suits your needs and budget, along with the requirements of your lender.

Buying a home is an exciting time! And if you’re like many Americans, it’s the biggest investment you’ll ever make. While homeowners insurance may be a “requirement” of closing your mortgage, it’s also a great investment tool because it helps protect a really valuable asset – your new home! Give us a call today and we’ll help you find the right homeowners coverage for you.

Originally posted 2013-08-27 09:55:46.

If you’ve ever looked for a new car insurance policy, you know that shopping around can really help you find the cheapest rates. But sometimes those cheap rates aren’t really all that they seem. If you’re looking online for cheap car insurance in Las Vegas, you’ll want to keep the following “red flags” in mind.

Low-ball Estimates

So you filled out an online form and got a ridiculously cheap quote. Great, right? Well, maybe not. Some “quick and easy quotes” don’t paint a complete picture. It’s possible that the company may be luring you in with a low-ball quote, only to add on a number of costs and fees later in the underwriting process. For instance, your quoted coverage may not stand up to all state requirements, may include hefty deductibles or lack some areas of coverage altogether. Be sure you know exactly what is reflected in your quote and compare that with your own car insurance requirements.

Information Theft

We don’t want to scare you, but some of those online care insurance quote generators may not have your insurance needs in mind at all. In fact, they could just be repositories for personal information that is then sold to third parties for marketing and advertising purposes. Unless the site offering the quote service is reputable and trustworthy, you should be wary of supplying your private information.

Fraudulent Sites

You probably generally use common sense when researching a purchase. But when you’re trying to get Auto Insurance in Las Vegas, it can be easy to brush aside that common sense in favor of projected savings! Steer clear of websites that include red flags: poor spelling, no mention of credentials or affiliations, rock-bottom insurance prices, or quote generators that do not ask relevant questions. Make sure that the common sense portion of your brain isn’t overcome by the portion that wants to save money!

Finding cheap car insurance in Las Vegas doesn’t have to mean sacrificing coverage

Ready to get cheap car insurance in Las Vegas without compromising coverage or giving away private information? Give us a call today.

Originally posted 2013-08-05 10:21:25.