Protect your Las Vegas Home.
Protect your family
For most people, buying a house means you've made it. After all, it takes a lot of hard work to get there. At Larson Insurance Agency, Inc., we can help you protect what you've worked hard for - your home and family.

A fire can do more than damage your house
It can be tough on your family too. For example, you'll have additional living expenses while repairs on your home are completed. Homeowners insurance can help you with that as well as making the claim process as quick and easy as possible- so you can be back in your home before you know it.

An agent who cares about you
You've probably already chosen Larson Insurance Agency, Inc. so you can feel comfortable knowing that you have someone who understands your insurance needs. Who will be there from the beginning, always ready to help.
And if you are insured with a top company, you'll be relying on a company with a long history. When you need us, we'll be there to help with your insurance needs.

What can do for you
We offer different coverage options to help you get the protection you need. Check out the coverage descriptions below:
 • Dwelling: pays for damage to your insursed home due to a covered loss, like lightning or fire.
 • Contents coverage: provides protection for covered loss to your movable property, like a stereo, bicycle, furniture or clothing.
 • Additional Living Expenses: if a covered loss makes your home (or part of your home) uninhabitable, this coverage helps you pay the reasonable increase in living expenses necessary to maintain your normal standard of living.
 • Lock replacement: pays for your exterior locks to be replaced or re-keyed, in the event of a covered theft where your keys where stolen.
 • Family liability: if someone is accidentally injured or their property is damaged in a covered incident, this coverage provides protection for damages that you are legally obligated to pay. This protection does not cover auto liability claims.

Buy what you need no more no less
Most homeowners insurance companies cover the basics. But maybe you have some special needs, like more liability coverage for your family or extra protection for your wedding ring. That's where optional coverage's can be helpful. You get to decide what's right for you, what you need to protect your family and your home. Take a minute to look at some examples of optional coverage's listed below.
 • Optional Endorsements: include coverage for a variety of specific needs.
   · Jewelry
   · Sports equipment
   · Business property
You can get a full list of available endorsements from your agent.

Speaking of insurance
Most people have heard of these common insurance words. But here's a helpful refresher course on what they mean.
Covered peril - an event causing damage to your home or property that is covered by your insurance. Fire, lightning, and wind and hail damage are some examples of covered perils.
Deductible - the amount of repair or replacement costs that you're responsible for paying before your insurance pays.
Endorsement - changes the language of your policy. It may add to or restrict your current coverage's, limits or policy terms.
Family Liability - if someone is accidentally injured or their property damaged in a covered incident, this coverage provides protection for damages that you are legally obligated to pay.
Limit - the maximum amount that may be paid by your insurance company for a covered loss.
Policy - another name for your insurance contract. Your policy includes your policy jacket, declarations pages, and applicable endorsements.

Can you Afford to be without Renters Insurance?
You may be surprised
How much you have invested in your personal possessions? When you add them together, your personal possessions could be worth thousands of dollars. Consider your furniture, appliances, T.V., stereo equipment, tapes, clothing, linens and other important valuables: could you afford to repair or replace them?

Renters Insurance could be your Answer
Renters insurance provides you with protection for many of your personal belongings if they are stolen or destroyed by a fire or other covered cause of loss. You may also decide to select the Personal property reimbursement option for an additional premium. With this option, companies will settle covered losses to many of your personal property items based on the cost you incur to repair or replace them, subject to applicable coverage limits and other policy terms and conditions.

Personal Property Protection
Personal Property Protection covers your belongings against covered loss or damage from many perils, including fire, lightning, falling objects, smoke, explosion, wind& hail, water damage from plumbing steam or water heating systems, vandalism and riot.

Theft
Theft coverage can help protect your personal property against several types of loss due to theft including theft on premises, theft off premises, stolen or forged checks, stolen credit cards, counterfeit money.

Family Liability
Family liability and guest medical protection gives you protection against certain personal liability losses including liability and defense costs, damage to property, guest medical.

Renters Insurance Liability Protection
With renters insurance, you have protection, up to the limits of your policy, against certain liability claims brought by others for bodily injury or damage to their property due to a covered accident (subject to policy terms and conditions.)
Guest medical protection provides payments for reasonable medical expenses of your guests who are accidentally injured on your property as a result of a covered loss, whether or not an accident in your home was your fault.

Choose Optional Coverages
You can enhance your policy to suit your personal needs of your family. For an additional premium, you can increase protection for:
 • Jewelry, Watches and furs
 • Theft or silverware
 • Personal computers
 • Portable cellular communication systems

Save money with discounts
Discounts are available that could help reduce your premium including:
 • Protective device discount
 • By installing certain protective devices, such as smoke alarms, fire extinguishers, and deadbolt locks, you may be eligible for a discount.
 • 55 and retired discount
If your 55 years of age and retired, you may be eligible for up to a 10% discount.(Discounts are subject to qualifications and may not be available)

Protect your Investment with a Landlord Insurance Policy
Is your investment property insured?
If your building was damaged or destroyed, your rental income might stop. But your bills wouldn't. If a tenant or guest was injured on your property resulting in a lawsuit, you might need coverage for liability damages, defense costs and medical payments.

Have you ever wondered whether you would be able to afford the costly building repairs that follow a fire or loss, or the expensive legal fees and potential judgment resulting from a liability lawsuit? As a landlord, you may have concerns about the special risks you face, and for good reason. You have a lot invested in your building, and probably don't want to risk losing it. That's why getting the right insurance protection is so important.

A landlords policy could be right for you
If you own a one-through four- family building, which is used exclusively for residential rental purposes, you could be eligible to purchase a landlords package policy. This policy can help protect your building and personal property from covered losses, and can help provide reimbursement for legal fees or lost rental income, as provided in the policy.
Here are some of the perils that a landlord's package would protect you against:
 • Fire
 • Lightning
 • Falling Objects
 • Smoke
 • Explosion
 • Wind / Hail
 • Water Damage
 • Damage by Aircraft
 • Damage by Vehicle
 • Freezing of Plumbing
 • Building Glass Breakage
 • Colapse of Building for weight of Snow, Ice or Sleet

Personal property protection provides you with "Named Peril" coverage on most personal property rented with the premises or used to service the building.

Liability: Provides against non-auto, liability claims brought by others for accidental bodily injury, or property damage occurring on the insured premises

Fair Rental Income - Pays up to 12 months for the actual loss of rental income because the building, or part of the building, cannot be lived in due to a covered loss, provided the unit is rented, or under renovation, at the time of the loss (subject to policy and conditions).