Why should I purchase a policy from an independent insurance broker?

Seeking a quote through several different insurance companies is a stressful & time-consuming task. That is why NHI wants to do the shopping for you! An experienced NHI agent will know the best way to save you time and money with the coverage that fits your needs.

Is there a cost to receive a quote?

Absolutely not! There is no cost to you to obtain a quote from North Hills Insurance whether or not you decide to purchase the policy.

What type of insurance can NHI help me with?

North Hills Insurance Services offers the following insurance products:

  • Auto
  • Boat / RV / Trailer
  • Home / Manufactured Home / Renters
  • Life
  • Health / Affordable Care Act
  • Commercial / Business
  • Bonds
  • Special Event Insurance
  • Final Expense / Life Plan Policies
How do I file a claim with my insurance company?
All insurance companies provide a toll-free number to a dedicated claims department.  Carriers prefer you contact them directly to ensure the fastest resolution possible.  Once a claim is filed, contact your NHI agent if you need any additional assistance.
How do I make a payment?
You can make a payment online, by mail with your bill or by calling your company or agent.
Are monthly payments available?
Yes.  Most insurance companies offer monthly payment options that fit your needs.
How many insurance companies does North Hills represent?
NHI represents over 30 companies.  We strongly believe that partnering with multiple companies is the best way to find the most competitive rates for our clients.
What if I don’t know what type of insurance or how much coverage I need?
First off, don’t feel bad.  Insurance can be an overwhelming and confusing topic.  Your North Hills Insurance agent will happily guide you through the process and explain everything in detail.
What should I do if my rates go up significantly?
Contact your agent so that the policy can be reviewed to ensure you are still receiving the best available rate.
Is North Hills Insurance hiring?
We are always looking for dedicated producers/brokers who are as passionate about sales and insurance as we are to add to our team.  Please click on “Employment Opportunities” under the “Info” tab on how to send NHI your resume.
What are the basic coverages I need to operate a vehicle in the state of Nevada?

Nevada law requires a minimum amount of $15,000 per person, with a total maximum of $30,000 per accident. It also covers up to $10,000 for damage to another person’s property. The limits would be shown as 15/30/10.

What is comprehensive and collision coverage?

Comprehensive coverage protects you from theft, falling objects, vandalism and damage to glass. Collision would cover any damage to your vehicle involved in an accident. Remember: your insurance company will require you to pay a deductible first.

What is a deductible?

A deductible is the amount that you are responsible for before your insurance pays out. ( The deductible amount will be discussed with your agent when getting a quote.)

Will my rates change if I get into an accident?

Your insurance premium may or may not go up. If your rate does increase because of a recent claim, you’ll likely find out about it when your policy renews. This would be the best time to contact your agent for a policy review.

Is Homeowners Insurance required?

Your state may or may not require homeowners’ insurance, but your mortgage lender typically will require coverage in order to provide a home loan. Even if you own your home and you are not required to buy homeowners insurance, it is still a good idea to protect your investment with an insurance policy.

Can I bundle my auto and homeowner policies?

Yes!  Most of our companies offer a discount if you do. It would also be wise to have all your insurance policies managed by one agent so that it is easier for you to keep track.

Is Renters Insurance required and what does it cover?

Requiring a renters’ insurance policy is up to the discretion of your landlord or property manager. We strongly recommend purchasing renters insurance to protect your personal property.

Why would I need life insurance?

No one wants to leave those they love unprepared. Purchasing a life insurance policy today will help alleviate some of the financial burden that your family may be left with. Final expenses, medical bills, debt and education for your children can all be taken care of and at a cost that fits within your budget.

How much life insurance do I need?

Every situation is different. Your NHI agent will be able to help you calculate an amount that works with your budget and fits your needs.

Every business is unique, whether big or small, and deserves a one-on-one consultation with a dedicated North Hills Insurance agent. Please contact us directly for a quote or with any questions.

What is the Affordable Care Act?

The Affordable Care Act is the new health care reform law in America and is often called by its nickname Obamacare. The purpose of this legislation is to reform the healthcare system by providing more Americans with affordable quality health insurance.

What can NHI help me with?

North Hills Insurance can assist you with obtaining a health insurance quote whether it is through the Affordable Care Act or directly with an insurance company.

What is the fine for not having health insurance?

The annual fee for not having insurance in 2016 is $695 per adult and $347.50 per child (up to $2,085 for a family), or it’s 2.5% of your household income above the tax return filing threshold for your filing status – whichever is greater. You’ll pay 1/12 of the total fee for each full month in which a family member went without coverage or an exemption.

I have insurance through my employer – do I have to register with the Exchange?

No, you do not if your employer provides affordable coverage to you; you are fulfilling the individual mandate that the law requires.