Most states mandate that you carry automobile insurance and that you carry a minimum amount of liability insurance. In Nevada, that amount is now 25/50/25. What does that mean? Let's break it down. 

• $25,000 for injuries to one person in an accident
• $50,000 for all injuries in an accident
• $25,000 for property damage in one accident

Keep in mind, this doesn't apply to YOUR vehicle (that's what comprehensive, collision and medical payments coverage is for). 
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Let's say you cause an accident with another vehicle that has a passenger as well as the driver and they're both injured. The drivers injuries total $60,000. The passengers injuries total 10,000.  If you have the fore-mentioned liability limits, the driver would only receive $25,000 to pay for his injuries and the passenger, just the $10,000.

So how does the driver recoup the remaining $35,000?  The other party could come after you personally. You might have to take out loans or extra mortgages, have your wages garnished, all of which could put you in debt. You might have to sell off your assets—or a collector could take your assets from you forcibly. The DMV might even suspend your license until you’re able to pay. 
All of this could have been avoided if you had chosen the higher liability limits that your insurance agent recommends.  Minimum limits are not recommended and I hope that this illustration helps you understand why. 

As many of you may know, Blue Sky is owned by husband-wife team, Steve & Amy Miller.  We opened the agency in 2017 but in 2018 Steve took a brief hiatus to take a role as the Medicare Manager for United Healthcare for the State of Nevada. It was a great experience for Steve, working directly for the largest health insurer in the world. 
He gained valuable knowledge and insight that will serve our family owned agency for years to come. 

At the end of the day, Steve prefers to run his own business and work directly with individual policy holders... and we are grateful for that! 

Welcome back Steve! We missed you!

Water claims are costly and a huge inconvenience for homeowners. However, now you have the power to prevent them.
Flo by Moen is water detection device that runs daily tests to ensure your home plumbing network is running efficiently. It continuously checks for leaks and potential vulnerabilities in your pipes. Flo will automatically shut off water to your home in the event of catastrophic failure.
Flo is managed by an App on your smart phone that sends alerts to your phone in real-time if a leak is detected anywhere in your home. The app allows users to set water consumption goals, monitor daily usage, and turn water on and off remotely.
And now, Southern Nevada Water Authority is offering up to $300 in rebates with the installation of the device in your home.  Most insurance carriers will also offer discounts if you have a water detection device installed as well. It's a win-win.
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Check out this video and meet Flo for yourself.
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meetflo.com/SNWA/?fbclid=IwAR2pxYbHhl69RxpoLBGEttQfkZ5bXiIF8VWVxq1xa3qNV-i3ghJcHhVoP4I