Solar energy is getting super popular, and for good reason.  With more ways to install and finance solar panels, it’s a great option for homeowners.  But before you dive in, here’s what you need to know.

Should you go solar:  Is your roof sunny enough?  A south-facing roof without much shade is perfect.  You might need to trim some trees to get the most out of it.

Paying for solar:  Going solar isn’t cheap.  You can pay upfront and take advantage of federal and state incentives or go for a Solar Power Purchase Agreement (PPA).  A PPA is a financial contract that allows a customer to “rent” solar panels without paying upfront costs.  The solar company retains all ownership rights to receive available subsidies and tax incentives.  However, you benefit from the lower electric bills.  PPAs typically last 10-25 years and the price is usually lower than the local utility’s retail rate.

Getting ready:  Make sure your roof is in good shape and can handle the extra weight.  If you roof is old and only has a few years left, consider replacing it first.  Also, think about any home renovations you’ve got planned and make sure they won’t interfere with your solar setup.

Choosing an installer:  Pick a certified, experienced installer.  Check out reviews and ask for references from customers who’ve had their systems for a few years.

Maintenance:  Regular maintenance is key.  Hire pros for annual inspections and keep your panels clean from dust and debris.
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Don’t forget to contact your homeowner’s insurance company so together you can make sure your investment is property protected.  Knowing these steps will help you make a smart, sustainable investment in solar energy.  Benefiting both the environment and your energy bills!

So, your car broke down last week, and you realized you don't have towing coverage? Don’t worry, we’ve got you covered! Here’s a guide to how you can get towing coverage in Nevada.

1. Motor Clubs: Join motor clubs like AAA (American Automobile Association) for comprehensive roadside assistance, including towing. Membership fees cover a range of services based on the plan.

2. Auto Insurance: Upgrade your auto insurance with roadside assistance to cover towing, jump starts, and more. Your insurance agent can let you know the cost for this service. Please note that if you use your towing with your auto insurance, it can result in a claim being on file.

3. Credit Card Benefits: You might be surprised to hear that certain credit cards come with unexpected perks like roadside assistance. You may even already be eligible for this benefit without even realizing it, be sure to check your card's benefits guide!

4. Car Manufacturer Programs: Did you buy a new car recently? Many car manufacturers throw in free roadside assistance for a certain period or mileage. Check your car’s warranty or contact the dealership for details. Be sure to clarify if they will tow you to ANY repair shop or ONLY to the dealership.

5. Standalone Roadside Assistance Plans: Companies like Allstate and Geico offer standalone plans you can purchase separately from your auto insurance.

6. Extended Warranties:  Some extended car warranties include roadside assistance and towing services. These can be purchased through the dealership or third-party providers.

7. Mobile Apps:  Apps like Honk and Urgently connect drivers with nearby tow trucks and roadside assistance providers on a pay-per-use basis, offering a convenient alternative without a subscription.
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Choosing the right option depends on your needs, budget, and driving habits. Having towing coverage outside your auto insurance means any assistance won’t count as a claim, avoiding potential rate increases.

Considering cyber coverage with your home insurance is increasingly important in today's digital age.  Our lives are more connected than ever with smart home devices, online banking, and remote work. But with all this connectivity comes the risk of cyber threats like hacking, identity theft, and data breaches.

Cyber coverage can be your safety net offering financial protection and peace of mind. It can help cover the costs of restoring your personal data, legal fees, and even extortion payments in ransomware attacks. Plus, you'll have access to experts who can help sort out any cyber incidents quickly, keeping the disruption to your life to a minimum.
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Given how cyberattacks are getting more frequent and sophisticated, adding this coverage to your home insurance ensures you’re protected from all angles. It’s a proactive step that can save you from significant financial loss and stress, making it a valuable addition to your insurance plan.

Hey there, fireworks fanatics and barbecue buffs! The 4th of July is here, and it's time to celebrate with a bang! But before you light up the sky and grill those burgers, let’s talk about keeping safe!  Here are a few things to keep in mind amid all the fun…

- Fireworks Fun: What is 4th of July without fireworks?!  While they are the star of the show, let’s think about safety first! You can check your local laws, however, try to light them up in clear areas away from homes and trees. Keeping a water bucket nearby is essential! Homeowners' insurance can cover fire damage, but let’s not test it, okay?

- Grill Mastery: It is suggested to keep your grill 10 feet away from any structures and trees. You should never leave your grill unattended so make sure your sous chef is on standby. Before lighting up, be sure to check for gas leaks and having a fire extinguisher on hand is another great safety measure.

- Poolside Precautions: Hosting a pool party? Ensure everyone follows safety rules. Your liability coverage should protect against accidents, but aim for fun, not trouble!

- Pet Patrol: Fireworks can frighten pets. Keep them indoors and create a cozy and safe space for them.  Don’t forget to check on them regularly.
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Celebrate smart and stay safe! Your insurance (and peace of mind) will thank you. Happy 4th of July! 🎉🗽🍔