ANIELLO'S
"TWO CENTS WORTH"
August Newsletter

In This Issue:
How To Survive A Rip Current
Why Your College Student May Need Renters Insurance
Monsoon Season And Home Owners Claims
Prepare Your New Driver or Young Adult For Their Road Trip
Sharing The Road With Motorcycles
HOW TO SURVIVE A RIP CURRENTS

Many families are taking their final trips to the beach before summer ends. Unfortunately, some of these trips end tragically because of
rip currents.
Rip currents — often referred to, incorrectly, as riptides — kill more than 100 people in the United States every yea r, the United States Lifesaving Association estimates, and lifeguards save tens of thousands more. Please watch this short video and share it.....it may save a life someday.
WHY YOUR COLLEGE STUDENT MAY NEED RENTER'S INSURANCE
How to know whether you need renters insurance at college:
Whether  college students  really need renters insurance depends on where they live and the protections extended to them under a parent's policy. If you attend college while living at home, you're generally covered by your parents' homeowners or renters insurance.
If you live in  on-campus housing , such as a dorm or a school-owned property, your parents' home or renters insurance typically extends to you if you're listed as a dependent on their policy. However, both types of policies cap off-premises coverage.

However, if you set up your child in an off-campus apartment or house, your homeowners or renters insurance wouldn't cover the loss. She would need to have a policy in her name to cover loss es or liability claims.
If a student lives off-campus with one or more roommates, they may be able to purchase renters insurance together. While  sharing a policy can save money , there are downsides. One is that your roommate's claims go on your claims history record as well, which may cause you to pay more at renewal. Problems can also arise when a roommate moves out or doesn't pay her share of the premium.

What renters insurance covers.
A common misconception about renting is that the property owner is obligated to reimburse you in the event of a catastrophe, such as a theft, fire or storm. As empathetic as your landlord may be, his or her insurance never covers you.

Fortunately,  renters insurance  is a bargain for the protections you get in a basic policy. An average renter's insurance policy runs under $200 a year.
  • Personal property. Protects the value of your belongings from a covered event anywhere in the world, such as damage from a natural disaster, loss or theft. Common exceptions include flooding and earthquakes.
  • Liability. Protects you against a claim or lawsuit if you accidentally hurt someone, or a visitor is injured in your rental.
  • Additional living expenses. Pays for temporary housing and meals if you can't live in your rental while covered damages are repaired.

Call our personal lines agent Narine today to find out if renter's insurance is right for your college student.
702.259.0250
LAS VEGAS MONSOON SEASON IS HERE:
ARE YOU PREPARED FOR A HOME OWNERS CLAIM IF YOU HAVE DAMAGE FROM FLOOD, ROOF LEAK OR POWER SURGE?
  • Make sure your home is protected to the proper amount and make sure you take photos of all rooms in your homes. Include inside of closets and drawers and all jewelry an valuables.

  • A homeowner's policy won't protect an automobile for any reason - hail, flood damage or other weather related losses to a vehicle are only covered by Comprehensive coverage on your automobile insurance policy.

  • Water from the sky is usually covered under a homeowner's policy - once it hits the ground it's usually covered only by a flood policy.

  • Trees can fall on houses in a storm. Damage to the home is usually covered - does you policy provide for removing the fallen tree or replacing it with a new one.

  • Unrepaired damages or maintenance on a home may lead to unnecessary damages in the event of a storm - most policies do not cover the results of such neglect - have your agent inspect your home for potential problems and get them fixed.

  • Broken windows are subject to your policy deductible, however, most insurers will offer an option to waive the deductible on broken windows.

  • Get a fireproof file box to protect your vital papers and jewelry in case of a fire or flood.

  • Most homeowners policies cover a power surge that can destroy your electronics and appliances up to the limits in your policy.

Call our personal lines agent, Narine Abdoian,
for a free assessment of your policy
702.259.0250
HOW TO HELP YOUR NEW DRIVER, COLLEGE STUDENT OR YOUNG ADULT PREPARE FOR A ROAD TRIP.
Your young driver may be planning a road trip to finish off the summer, or your college student may be driving to their college in another state. Whatever the circumstances, be involved in the planning and details of their trip.

  1. Be sure they have the auto fully checked by a mechanic.
  2. If they are traveling with others, get their names and phone numbers.
  3. Make sure the route is planned out ahead of time and along with where they will stay overnight. Stopping late and trying to find a motel can lead to problems with not finding a room or getting lost in undesirable neighborhoods.
  4. Have an emergency kit in the car including: jack and spare tire, a can of fix-it-flat, a tire gauge,jumper cables, a basic set of tools, a flashlight, a flare, a phone charger, and plenty of food and water.
  5. Use an App like "Find Friends" or "Life 360" to track your traveler. This will give allow you to know exactly where your child is for safety purposes.
  6. Be sure they have their driver's license, proof of insurance and registration and emergency contact information in the vehicle.
PLEASE LOOK TWICE AND SAVE A LIFE

Last year was the deadliest year for motorists on Nevada roads in the last decade.
There were 331 fatalities on roads in the state in 2018
When making left turns, look for traffic… Then look AGAIN for bikers!
I put the #1 motorcycle safety tip first. The vast majority of car vs. bike accidents happen in intersections when a car turns right in front of a biker. You can imagine how this turns out for the motorcycle rider. It is imperative, before making a left turn, to be sure traffic is clear. THEN look again specifically for motorcycles! Vehicles turning in front of motorcycles is the number one cause of fatal accidents for motorcycle riders.
Let them swerve
You’ll notice that motorcycle riders often weave within their lane from side to side. They have good reason to do this. For those of us in cars and trucks, running over a pothole means we get jarred and at the very worse, screws up the alignment on our vehicle. For a biker, though, missing a pothole could literally mean the difference between life and death! And that’s just the start! Factor in road kill, oil spots, and other types of road debris. Some roads can literally be an obstacle course for them. Many bikers like to change position in their lane to stay out of peoples blind spots too.
The best thing to do is  leave them as much space as possible . There are many things bikers need to swerve for. So don’t crowd them. Give them as much room as possible. If you want to pass them, do it in a hurry and get out of their way.
Stay back
When riding behind a motorcycle, increase your following distance. Leave an extra buffer zone. Why? For one, motorcycles have a much quicker stopping distance than cars. You can’t stop as quickly as they can. If you rear end another car, the driver of that car is well protected. Motorcycle riders are completely exposed. Even a minor collision can have very serious effects. So practice all of your  defensive driving techniques  two fold around bikers.
Make a conscious note
During unusually warm weather during the winter months, and during all days of the spring, summer, and fall, make a mental note that bikers are out there. Just as we remind ourselves to watch for kids in neighborhoods, we should remind ourselves of bikers. Share the road. Bikers can only do so much to protect themselves. Let’s help them out by specifically looking out for them. The end result is you being a safer driver all around. If you’re looking specifically for small motorcycles, you’re sure to see everything else!

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