Nevada homeowners are facing a growing challenge. Many insurance carriers are pulling out of the state, leaving policyholders scrambling to find new coverage. Companies like American National have recently announced they will no longer renew policies, forcing homeowners to secure a new carrier on short notice.

The primary reason? Increased risks from wildfires, rising repair costs, and higher claims have made it difficult for insurers to maintain profitability. As a result, many carriers are choosing to limit their exposure in high-risk areas, like Nevada.
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If you’ve received a non-renewal notice, it’s essential to act quickly. Contact us, Blue Sky Insurance, to explore your options early and ensure you’re not left without coverage. With fewer carriers in the market, finding affordable and comprehensive protection can be challenging, but staying proactive can help you avoid gaps in coverage.

Awe, springtime in Las Vegas! The sun is shining (but not scorching), the flowers are blooming in the desert, and the call of the open road (or at least the scenic bike trails) is impossible to resist. If you're looking to explore Vegas beyond the Strip, hopping on an e-bike is the way to go. Whether you're cruising through Red Rock Canyon, zipping down the Arts District, gliding your way to the neighborhood park, or whizzing down to get some froyo, an e-bike makes it all effortless and way more fun!

But here’s the thing, while you're soaking up that desert breeze, you’ll want to make sure your ride is protected. That’s where Progressive Insurance comes in!

Why Insure Your E-Bike? E-bikes can be a big investment, especially when you’ve decked them out with all the latest accessories like upgraded suspension and flashy lights! But what if something goes wrong? Theft, damage, or even an unexpected tumble can quickly turn your joy ride into a headache. That’s why having insurance can give you peace of mind.

Here’s Why Progressive can be a Game-Changer:

RCV (Replacement Cost Value) for Accessories – Got a sweet cargo rack or custom saddle bags? If they're damaged or stolen, Progressive will cover the replacement cost, not just the depreciated value.
No Minimum Age for Riders – Whether it’s you, your teenager, or anyone in the family taking the e-bike for a spin, Progressive’s got you covered.
Separate from Your Homeowners Policy – This is a BIG win! If you file a claim for your e-bike, it won’t show up on your CLUE (Comprehensive Loss Underwriting Exchange) report or affect your homeowner’s insurance. So, no worries about your home policy premiums going up because of an e-bike mishap.

Progressive’s e-bike coverage is awesome, but it’s not for everyone. If you’re using your e-bike for commercial purposes like running a delivery service, it won’t be covered. If you're just riding for fun, fitness, or commuting, you're good to go!

Ready to Roll? With spring in full swing and perfect weather calling your name, now’s the time to gear up and get your e-bike insured. Trust us, protecting your ride with Progressive means you can enjoy those Vegas views worry-free.
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Please reach out to us, Blue Sky Insurance, so we can get you all set up. Then you’ll be ready to pedal through spring, explore the desert, and let your e-bike adventures begin!
 

Putting your home in a trust is a smart estate planning move. It helps avoid probate and makes passing down your property smoother. But what does it mean for your home insurance?

When you transfer your home into a trust, the trust technically becomes the owner. That means your homeowner’s insurance needs to reflect that change. If your policy still lists you as the owner, your coverage might not be valid in case of a claim. Yikes!

To fix this, simply notify your insurance company and update your policy to include the trust as an additional insured or named insured. This way, both you and your trust are protected.

Another perk? If the trust helps manage your property for future generations, insurance can stay active even if ownership shifts. Just keep your insurer in the loop to avoid any surprises.
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A home in a trust is a great idea, but don’t forget to update your insurance. A quick call to your agent can keep you covered and worry-free! 

Ah, the internet… a magical place full of cute cat videos, questionable TikTok trends, and unfortunately, cyberbullies and identity thieves. If you or your kids become targets (or let’s be real, accidental instigators), your homeowner’s insurance might actually have your back, with the right endorsement, of course!

First, let’s talk about identity theft. Scammers love stealing personal info, and fixing that mess can cost a fortune. The good news? Many homeowner’s policies offer identity theft protection as an add-on, covering legal fees, lost wages, and even the cost of reclaiming your digital life.

Cyberbullying is a modern nightmare! If your child harasses someone online, guess who’s legally on the hook? Yep, you. Parents can be sued for their kids’ cyber shenanigans, and without the right insurance coverage, you could be writing some very painful checks. Some insurers offer personal injury liability coverage that helps cover legal costs if you’re sued.
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The internet is wild, and insurance is your safety net. Call your agent, ask about cyber coverage, and remind your kids that if they wouldn’t say it to Grandma’s face, they probably shouldn’t post it online!