School’s out, the temperatures are up, and if you’ve got a teen driver in the house, chances are they’re itching to hit the road. Whether they’re driving to work in Henderson, meeting friends at Lake Las Vegas, or heading to the movies in Summerlin, more free time often means more time behind the wheel.

As a parent, you’re probably juggling two big concerns: keeping your teen(s) safe and keeping your insurance bill from ballooning. Here are a few practical tips to help with both.

1. Add, Don’t Hide:
If your teen is licensed and using your vehicle, make sure they’re properly listed on your auto policy. Trying to “keep it quiet” might save a few dollars now, but if there's an accident, it could cause major issues, or even deny coverage.

2. Ask About Good Student Discounts:
Many insurers offer discounts for high school and college students who maintain a solid GPA (usually a B average or better). If your teen is pulling decent grades at Palo Verde or Centennial High, that could translate to savings.

3. Enroll in a Driver Safety Course:
There are several approved defensive driving or teen safety programs in Clark County. Some insurance companies offer a discount when your teen completes one. It’s not just good for premiums, it’s good for peace of mind.

4. Limit Night Driving:
Accident rates spike after dark, especially for new drivers. You might not win any popularity contests, but setting some ground rules about nighttime driving or ride-sharing boundaries can help reduce risk (and potential claims).

5. Choose the Right Car:
Handing down the old sports car might not be the best move. Vehicles with high horsepower or limited safety features can raise your premiums significantly. A safe, modest, reliable sedan is your best bet for safety and savings.

6. Call Your Agent Before You Make Changes:
Thinking of buying a car for your teen or adjusting your coverage? Talk to your insurance agent first. We can walk you through how different vehicles, driver arrangements, and coverages affect your bottom line.

Summer is a great time for teens to build confidence behind the wheel, but it’s also a high-risk time of year. A few smart steps now can help keep your teen safe and your insurance premiums manageable.

Have questions about how your coverage stacks up? Give us a call (702) 410-8020! We’re local, we’re parents too, and we’re happy to help.

Imagine you’re driving along, minding your own business, maybe jamming to some ‘80s hits or thinking about what’s for dinner and BAM, someone rear-ends you. Not great, but hey, that’s why you have insurance, right? Now imagine that driver sheepishly admits, “Yeah… I don’t have insurance.” Suddenly, this situation goes from “annoying” to “wallet-threatening.”

Believe it or not, about 1 in 8 drivers on the road have no insurance. In some places, it’s worse. That means every time you hit the road, there’s a pretty good chance someone nearby is playing a dangerous game of "Let’s Hope Nothing Happens."

When one of these uninsured folks causes an accident, the costs don’t magically disappear. Nope, they often bounce over to the rest of us, like an unwanted group project in high school.

Even if you’re fully insured, you could end up paying more in the long run:

• Your premiums may go up to cover the increased risk
• You might need extra coverage (like uninsured/underinsured motorist protection) just in case
• Claims can get more complicated, which means more stress

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But don’t worry. That’s where your insurance agent swoops in like a caffeine-fueled superhero.

Let’s bust a myth… your insurance agent isn’t just there to email you documents and wish you luck. They’re your personal guide through the unpredictable jungle of modern driving. Here's how they help you deal with the uninsured driver mess:

They Help You Plan for the Worst:
You don’t want to think about getting hit by someone with no insurance. That’s fine, your agent thinks about it for you. They’ll make sure your policy has the right protections (like UM/UIM coverage), so you’re not stuck footing the bill when someone else drops the ball.

They Customize Your Coverage:
No two drivers are alike, some of us drive minivans full of soccer gear, others zip around in vintage convertibles with questionable brakes. A good agent gets to know you and builds a policy that fits your life, your budget, and your “What if?” nightmares.

They Explain the Fine Print (So You Don’t Have To Pretend You Read It):
Insurance documents can feel like reading ancient scrolls. Your agent translates all that legalese into “Here’s what this means for you,” so you understand what you're paying for and what you're protected against.

They’re There When You Need Them:
Accidents don’t happen on a schedule. But when they do, your agent is one phone call away. They’ll help walk you through the claim process, remind you what your policy covers, and may even offer moral support while you rant about the guy who didn’t even have a valid license.

They Might Even Save You Money:
Seriously. Agents can help you bundle policies, find discounts, and avoid overpaying for stuff you don’t need. It’s like having someone on your side who actually wants you to get a good deal, because they do.

You Drive, They’ve Got Your Back:
Uninsured drivers are an unfortunate reality. But with a solid insurance agency in your corner, you don’t have to lose sleep over them. Your agent makes sure you're protected, prepared, and not paying more than you need to.

So next time you're wondering what your agent really does, just remember, they’re the ones making sure someone else’s bad decision doesn’t become your financial headache.

And if you’re still unsure about your coverage? Give your agent a call. They’ve seen it all, heard it all, and probably have a story or two that starts with, “So this guy thought a bumper sticker counted as proof of insurance…”

When your windshield needs replacing, you have two main options: OEM (Original Equipment Manufacturer) glass or aftermarket glass. Understanding the difference can help you make the right choice.

OEM glass is made by the same manufacturer that produced your vehicle’s original windshield and usually includes the automaker’s logo. It’s identical to what came with your car and is often preferred for brand consistency.

Aftermarket glass, made by third-party manufacturers, doesn’t carry the logo but meets the same safety and performance standards set by the Department of Transportation. It’s designed to fit and function just like OEM glass.

The biggest difference? Cost. OEM glass is typically more expensive due to its branding and manufacturer origin. Aftermarket glass is generally more affordable and more likely to be fully covered by insurance.
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Both options are safe and reliable. It just comes down to your preferences and coverage. If you’re unsure, we’re here to help you make an informed decision.

So, you’re moving. Congrats! Or... good luck. Either way, you’ve got a moving truck, a mountain of boxes, and maybe a friend who promised to help if you paid in pizza.

But before you hit the road, let’s talk insurance. Nothing kills moving day vibes like realizing you’re not actually covered when something goes sideways. Literally.

You may be thinking, “My Car Insurance Covers It, Right?” Eh… maybe not. Most personal auto insurance doesn’t cover rental trucks, especially the big guys. If the truck weighs more than 9,000 pounds, you’re probably out of luck. And even if your policy includes rental coverage, it usually means rental cars, not giant box-on-wheels moving trucks.
Your policy likely won’t cover:

• Damage to the truck
• Damage to your stuff inside the truck
• Accidents while loading/unloading (watch those toes)

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When you rent a truck, you’ll be offered a bunch of insurance options. Don’t just blindly click “no thanks” to save $400. Here’s what that extra coverage usually includes:

• Damage Waiver: Covers repairs if you back into a mailbox or accidentally scrape a low-hanging branch. (It happens.)
• Cargo Protection: Covers your stuff inside the truck in case of fire, theft, or accidents. But if you pack like a raccoon in a rush and things break? That’s on you.
• Liability Coverage: If you hit someone else or their stuff, this protects you (and your wallet).
• Medical Coverage: For you or your buddies riding along, just in case.

What About Homeowners or Renters Insurance? Good question. Some policies offer limited coverage for belongings while they’re being moved, but there are usually a lot of “ifs” and “maybes.” Like, if you’re using a professional moving company, or maybe if it’s within a certain distance. Basically, read the fine print, or better yet, call your agent.

Moving is already stressful enough without surprise bills. Don’t assume your regular insurance has you covered when it comes to rental trucks. Double-check your policies, ask questions, and consider that rental insurance. It’s a small price to pay for peace of mind.

So, your restaurant delivers food? Awesome for customers, potentially disastrous for your insurance if you’re not careful.

Let’s say your employee is out delivering a pizza in their own car. If you don’t have a Business Auto Policy (BAP), coverage might fall to their Personal Auto Policy (PAP). That is, unless their insurer decides food delivery counts as “livery conveyance,” basically a fancy term for “you’re kinda like Uber, but with extra cheese.” If that exclusion applies, suddenly no one's covered, and everyone's wallet is in danger.

If you do have a BAP, that’s better, but only if you’ve chosen the right symbols. Symbol 1 (Any Auto) or Symbol 9 (Non-Owned Auto) opens the coverage door. But even then, BAP typically covers the business, not the employee. Without the CA 99 33 “Employees as Insureds” endorsement, your driver could be left out in the cold... and possibly sued by your own insurer. Super awkward.

Also, the employee’s PAP is always the first line of defense. If their limits are low and they accidentally crash into a surgeon on her way to the OR, your business could be footing a huge bill after the PAP taps out.

The Must-Have Menu:

• A BAP with Symbol 1 or 9
• The CA 99 33 endorsement
• Employees with decent PAP limits (think 100/300/50 or higher)

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Food delivery without the right insurance setup is like sending your drivers out with no brakes and hoping for the best. Protect your team, your business, and your peace of mind by making sure your policies (and your policy symbols) are working for you, not against you. Confused? Not sure what coverages you really need? Reach out to us, Blue Sky Insurance. We’re here to help you navigate the fine print and keep your business moving safely. 

Electric bikes are an amazing way to commute, get around town, and even feel like you’ve got superhero legs. But as fun and efficient as they are, e-bikes come with a hidden risk… fires. If not handled properly, their lithium-ion batteries can go from eco-friendly ride to unintentional flaming mess real quick. Not the kind of “Hot Wheels” you were hoping for. Recently, we had a client whose e-bike exploded and blew up their garage. Turns out, they were using a non-manufacturer charger.

Let’s keep your e-bike in “ride mode,” not “fire hazard mode,” with these essential fire prevention tips:

Buy Smart, Ride Safe:
Only purchase an e-bike that’s certified by a qualified testing organization like UL (Underwriters Laboratory). The same goes for replacement batteries. That off-brand bargain battery may save you money, but rebuilding a garage? Not so budget-friendly.

Charge with Caution:

• Follow the manufacturer’s instructions for charging and storage. They wrote them for a reason.
• Only use the charger and adapter that came with your e-bike; no third-party knockoffs.
• Never leave your e-bike charging unattended, and definitely don’t charge it overnight.

Warning Signs:
If your battery starts overheating, changing shape, leaking, smelling weird, or making odd noises, stop using it IMMEDIATELY. If it’s acting extra sketchy and you can do so safely, move it away from flammable materials and call 911.

Storage Smarts:

• Keep batteries and devices at room temperature, no direct sunlight, and no extreme heat.
• Store your e-bike away from flammable objects like gas cans, paint cans, or stacks of paper.
• Absolutely do NOT store your e-bike in a child’s room (or any bedroom, really). E-bikes belong in the garage or a safe storage space.

​Don’t Block the Exit:
It’s tempting to park your e-bike near the door for easy grab-and-go access, but don’t let it block your way out. You don't want to be playing obstacle course with a 70-pound bike in the way if a fire breaks out.

If the Battery Catches Fire… RUN!
If your battery goes up in flames, get out of the building and call 911. Lithium-ion battery fires spread fast, and your fire extinguisher likely won’t cut it.

Dispose Responsibly:
Used batteries and chargers don’t belong in the trash. Take them to a designated battery recycling center. Tossing them in the garbage is a surefire way to turn a landfill into a fireworks display.

SPREAD THE WORD!
Know someone with an e-bike or any lithium-ion device? Share these safety tips with them. The more people know how to charge, care for, and dispose of these batteries properly, the fewer accidental infernos we’ll have.

E-bikes are awesome, but fire hazards aren’t. Follow these tips, and your bike will stay where it belongs, on the road, not on fire. Stay safe and charge smart!

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!