Homeowner Insurance from Asher Macrae Insurance Services

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Your home is most likely the most valuable thing you own. When your property is destroyed or damaged, you need a local Las Vegas insurance agent with insurance carriers who undertstand that getting your family back on their feet is the most important thing in your life. 

We know how important your home is, and we will protect it.

At Eco Insurance Group, we work hand-in-hand with our clients to find the policy and carrier with the best combination of coverage, service, and affordability you need.

Whether you live in a house, apartment, or condo - the right insurance policy will give you peace of mind and the financial support you will need to repair or replace your home and belongings if you need it.

We are the Las Vegas Home Insurance Experts

Whether you own it or rent it, insuring your home will protect your family from a major financial setback if you incur a loss as a result of fire, theft, vandalism, or any other covered incident. Your coverage will also protect you if someone is injured while on your premisis and is awarded a legal judgment against you.

Home insurance policies are very different and are not all created equal. They differ by which losses are included, which coverages you desire, and what style of dwelling you live in. We'll help you determine which policy is best for your situation, whether it is a comprehensive policy covering losses like fire, hail, smoke, falling objects, vandalism and theft of personal property, or if you need a policy that only covers specific types of losses.

If you own a home or a condo, rent, or are a landlord, we will work hard to find you a Las Vegas homeowners insurance policy that will fit your needs. We are the specialists when it comes to making it simple to pick the insurance policy and coverage that affords optimal value for the lowest price.

Your home insurance coverage is made up of specified options you decide on. The cost of your policy depends on:

  • Coverages you choose - Homeowner insurance options are often priced separately, so the cost to  you depends on which coverages you choose.
  • How much coverage you need - Raising your deductibles can lower premiums by accepting more of the financial burden on yourself. For instance, with a $1,000 deductible, you would pay the first $1,000 of the covered loss and the insurance carrier would cover the excess.
  • The Limits you choose - You may decide to purchase higher limits than the typical amount if it's a decision that is appropriate to both your situation and your needs.

Concerned you are not covered for everything? You may be interested in learning more about how an umbrella insurance policy extends your coverage.

Right Coverage. Right Price. Right Value. Right Insurance Agency

Your homeowners insurance cost depends on several factors. Consider your personal situation and the financial assets you need to cover.

  • Coverage for Your House

    Dwelling or Property Coverage usually covers the cost to rebuild or fix your home if it is damaged or destroyed by an covered event like a fallen tree or a kitchen fire.

  • Coverage for Other People and Yourself

    Liability Coverage protects you in the event that a person is injured and you could be held responsible in a court of law. Liability coverage typically applies worldwide. While we choose your liability coverage limits, we'll take into considation factors like your current and future income potential and the assets you own. Your own liability coverage should be extensive enough to protect your family from losing assets in the event you are sued.

  • Medical Coverage

    If guests to your home are injured on your property, medical coverage will pay certain medical expenses. It will not ordinarily cover healthcare expenses for you and other members of your family.

  • Additional Living Expenses (ALE)

    If a covered loss is preventing you from living in your home, Additional living expense coverage will pay additional living expenses (typically for up to 24 months) while the loss is being assessed and your dwelling is fixed.

  • Coverage for Your Belongings

    You own furniture, clothes, electronics and other items that we're sure are important to you. Personal Property Coverage replaces these things if they are lost, stolen or destroyed as a result of a covered insurance claim.

  • Scheduled Personal Property Coverage

    Talk to us about any personal property you own that is particularly valuable as this may require additional coverage with higher dollar values and additional coverage circumstances.

  • If You Rent Out Your Home

    Landlords may need special liability protection for the risks posed by your tenants. Talk to us - we'll help you sort it all out.

Cover the Most Important Things You Own

Create an inventory of your personal belongings. If possible, we recommend making a list and taking photos or a video – two inventory methods can help speed up the claims process. Store your list somewhere other than within your home so it doesn't get lost with the items. Bear in mind that your policy won't always cover losses caused by poor or deferred maintenance on the part of the homeowner.

Every home is unique. Every customer is unique. Talk to us now to see how to get the lowest price with the most value on Las Vegas home insurance for your family.

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© 2017 Asher Macrae Insurance Services

817 S. Main Street
Las Vegas NV 89101