Personal Insurance
At Harris Insurance, we understand that the coverage you get from your job might not cover all your personal insurance needs, such as car or homeowner’s insurance. That’s why we offer personalized services to fill those gaps. Instead of settling for generic insurance packages, our team with over 100 years of combined experience is committed to building a plan that’s precisely tailored to your unique needs, offering comprehensive personal insurance solutions to Las Vegas residents and beyond.
With the additions of the Harris Insurance Advantage, our commitment to professionalism, integrity, competitiveness, and transparency, and our unique White Glove Claim Service, you’ll appreciate your insurance coverage and the Brokers who work on your behalf.
Tailored Personal Insurance Solutions for Every Lifestyle
At Harris Insurance, we specialize in creating personalized insurance packages that align with the unique needs and lifestyles of our clients. Our extensive range of products allows for a flexible combination of coverage options, ensuring a tailored solution for every individual’s insurance requirements.
Homeowners Insurance
Essential for protecting one of your most significant investments, this coverage offers peace of mind against unforeseen damages to your property. It’s crucial in safeguarding not just the physical structure, but also the valuable contents within, ensuring that you can recover and rebuild without devastating financial impact.
Personal Auto Insurance
A necessity for any vehicle owner, this insurance not only fulfills legal requirements but also safeguards your financial stability in case of vehicular accidents. It provides a buffer against the high costs of repairs, medical bills, and potential legal fees arising from road incidents.
Renters Insurance
Often overlooked, renters insurance is vital for protecting your belongings and can save you from unexpected expenses in case of property damages or theft in your rental space. It also includes liability coverage, which can be indispensable if you’re found responsible for damage to the rental property.
It’s essential for incidents like slip-and-fall accidents in your premises or damages caused by your products or operations.
Recreational Vehicles
Especially important for RV enthusiasts, this insurance ensures that your adventures are not hampered by unforeseen incidents or liabilities. It covers a range of scenarios from road accidents to damages while parked, making it essential for the peace of mind of avid travelers.
Watercraft
Critical for boat owners, watercraft insurance not only covers physical damage, but also protects against potential legal issues on the water. It’s key to enjoying your time on the water without the worry of financial loss due to accidents or liability claims.
Jewelry/Collectibles Insurance
This protects the financial and sentimental value of your most cherished items, offering coverage that typical insurance policies may not provide. It’s particularly important for those who have invested in high-value items, ensuring that their investment is protected against loss, theft, or damage.
Personal Excess/Umbrella Coverage
An important safety net that extends your liability protection, this coverage is crucial in today’s litigious society where lawsuits can exceed standard policy limits. It provides an additional layer of security, protecting your assets and future income from being affected by a major claim or legal judgment.
Personal Insurance Coverage for Every Aspect of Your Life
At Harris Insurance, we understand that personal insurance is crucial for individuals and families seeking to protect their assets. Our plans are designed with your life in mind no matter where you are in your personal journey.
Property Owners
This category includes both Las Vegas homeowners and renters. Homeowners need insurance to protect their property and contents from damage, theft, and natural disasters, while renters require coverage for their personal belongings within a rented space, often overlooked but crucial for financial protection.
Car and Recreational Vehicle Owners
For car owners in Nevada, insurance is not only legally required but also vital for financial protection in accidents. Those with recreational vehicles like RVs and boats need specific coverage for potential damages and liabilities associated with these assets.
Individuals and Families Seeking Financial Security
This group encompasses people who have dependents and are looking to secure their financial future. It also includes collectors who need specialized insurance for valuables like jewelry or collectibles, and anyone interested in comprehensive protection against unforeseen events and liabilities.
How Harris Insurance Makes Claims Simple
At Harris Insurance, we don't just process claims—we protect your livelihood when disasters strike. Our straightforward approach keeps your Las Vegas contracting business moving forward:
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Easy Claim Filing: Within hours of your notification, our team mobilizes—because in construction, every day of downtime costs you money and client trust.
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Ongoing Support: We fight for your interests against adjusters who might undervalue damage or liability claims, leveraging our century of experience to maximize your protection.
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Expert Guidance: No insurance jargon or confusing policies—just straight talk about your coverage and claim status from specialists who understand Las Vegas building codes.
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Rapid Resolution: When a client sues over property damage or a worker suffers injury, we ensure your business doesn't bear the crushing financial burden through efficient claim handling.
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Always Accessible: While competitors struggle with claim complications, you'll maintain project schedules with our team ready by phone, email, or in-person whenever construction challenges arise.
Determining Your Ideal Coverage Plan
Understanding that there is no universal rule for personal insurance coverage is key. At Harris Insurance, we recognize that every individual’s needs are unique, and there is no one-size-fits-all solution. We focus on understanding the specific demographic and unique needs of each client, ensuring the coverage we suggest is precisely tailored.
Asset Value
We help you evaluate your major assets, such as your home and car, to ensure your insurance coverage aligns with their value and potential loss or damage risks.
Lifestyle Considerations
Your daily activities, hobbies, and lifestyle play a crucial role in determining the types of coverage you need, especially for higher-risk activities.
Potential Risks
We assist in identifying unique risks linked to specific possessions like recreational vehicles, boats, or collectibles, each requiring its own insurance approach.
Personal & Financial Responsibilities
Reflecting on life insurance needs involves considering your dependents, debts, and future financial obligations, crucial for your family’s financial security.
Understanding How Your Credit Score Influences Insurance Premium Rates
Most Nevada personal insurance products and packages are underwritten based on an individual’s FICO credit score. However, this doesn’t mean that if you have imperfect credit you can’t get coverage.
At Harris Insurance, we can work with you regardless of your credit rating to determine the insurance coverage you need and get you a package that works within your budget.
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Understanding Credit-Based Insurance Scores
Insurance companies use credit-based insurance scores, which are slightly different from standard credit scores. These scores are specifically designed to help insurers predict the likelihood of an insurance claim. Factors like payment history, outstanding debts, and credit utilization play a role in this score.
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How a High Credit Score Benefits You
A high credit score can be a key factor in obtaining lower insurance premiums. Insurers view individuals with higher scores as lower risks, often resulting in more favorable premium rates.
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Impact of a Lower Credit Score
A lower credit score can lead to higher insurance premiums. This is because insurers might view a lower score as an indication of financial instability, which they associate with a higher risk of filing claims.
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Improving Your Credit Score
Actively improving your credit score can lead to better insurance rates. Consistent, on-time bill payments, reducing outstanding debt, and being cautious about opening new credit accounts are effective ways to enhance your credit score.
At Harris Insurance, we are dedicated to providing personalized service to help you secure the right coverage. Your business’s security is our priority, and we are here to ensure that you are protected against the unexpected, every step of the way.
Get in Touch
For more insurance information, please contact us here. We will get back to you shortly.
6445 W. Sunset Rd., Ste. 156 Las Vegas, NV 89118 (Located In Sunset Business Center)
Monday to Friday 7:30 to 4:30 PM Saturday and Sunday CLOSED
702.202.6611