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Red Rock Insurance

2760 Lake Sahara Dr. Ste 100
Las Vegas, NV 89117

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When should you review your home insurance policy?

Home insurance is something that should grow and change as your home changes and your life and needs change. Most home insurance renews yearly and you will get a new copy of the policy about a month before your renewal. This is the perfect time for a yearly review. At Red Rock Insurance in Las Vegas, NV, we are independent insurance agents, this allows us to offer our customers more choices when it comes to carriers.  

When should you review your home insurance policy?

Whether you get a paper copy of your insurance policy or a digital copy, the front page is the declaration page. This one page gives you an overview of all the coverage you have on your home. It will give you the property value, which is the amount the carrier will pay to rebuild your home. That is the first figure you need to look at. Does it make sense with what you know about construction costs in your area?

The amount allowed for outbuildings and content is usually based on this figure. It is a percentage. If you have expensive items in your home, you may need to have an endorsement to cover them. There are quite a few different endorsements you can purchase to give your home additional coverage beyond the basics of your policy. 

If you have made major renovations or upgrades to your home, you may want to discuss that with your agent; it affects the amount of coverage you need. Let your agent know if you have added safety equipment like wired smoke detectors or an alarm system. 

The liability coverage is what protects you from legal action against you. If your assets have increased significantly, you should also discuss the amount of liability coverage you have with your agent and perhaps consider an umbrella policy. 

Contact Red Rock Insurance in Las Vegas, NV if you want to review your home insurance policy. 


Hazards not covered by home insurance

You may be surprised to learn that quite a few hazards are not covered by home insurance. Your home is likely the largest purchase you will ever make, and protecting it is vital to your financial security. In Las Vegas, NV. Red Rock Insurance is a local agency with a team of experienced agents to help with your home insurance choice. We understand how important making the correct decision is.


Floods are one of the most common causes of catastrophic damage to homes in the US. Billions of dollars of damage happen every year. This is just for the major floods. Many smaller localized floods also happen. The good news for homeowners is that even though your home insurance doesn’t cover flooding, you can purchase flood insurance separately. 

Land movement

Land movement includes earthquakes, mudslides, and sinkholes. These are excluded from most home insurance policies. You can, however, add a rider or a separate policy to give you the protection you need. 

Expensive items

Expensive items are not so much exclusion as a limit. Jewelry, antiques, and art have minimal coverage. Chances are if you have a nice engagement diamond, you likely have reached the average jewelry limit. Talk to your insurance agent about getting coverage for collectibles, jewelry, and other valuable possession you may have. 

Owner neglect

You may feel your home is your castle and the care you provide for your home is your own business. You would be wrong if you were to file a claim for something resulting from corrective measures you should have taken. If you get termite damage, your home insurance won’t cover it. Your insurance expects you to maintain your home. 

If you have questions about home insurance and live in or near Las Vegas, NV, Red Rock Insurance is here to help you get the coverage you need. 

Partner Carriers

  • Advantage Auto
  • Badger Mutual
  • Mercury
  • Progressive
  • Safeco
  • The Hartford
  • Travelers