With people’s incomes often times fluctuating and car insurance rates rising every year, it is important to take the right steps to ensure auto insurance rates are as low as possible. Those who don’t have a car but still drive from time to time and who eventually want to buy a car need to maintain […]

Term life insurance is what many insurance experts consider to be the purest form of life insurance. The reason is because it truly does provide life insurance protection instead of making the policyholder pay premiums that provide the eventual cash benefit. Most term life policies also expire with no death benefit paid. That happens because […]

Most homeowners insurance policies do not give homes the full protection they need from various perils. While all homeowners insurance policies provide coverage for losses caused by fires, lightning, internal flooding and other possible perils, many other perils often times are not covered. A basic homeowners insurance policy only provides coverage for 11 standard perils […]

While Las Vegas is located in the Mojave Desert and annually gets maybe 5 inches of rainfall, it also is located in its own basin, meaning any water falling in the vicinity ultimately winds up in Las Vegas. Complicating the problem is the rocky soil and steep mountains surrounding the area, which means the soil […]

When the summer monsoon season moves into Arizona, it many times can find its way over into the Las Vegas Valley, which in fact is a basin. The distinction is meaningless to most people, but a valley has numerous outlets for water runoff. A basin does not. The only place water has to go when […]