2 Reasons Why You Need Recreational Insurance

As the owner of a recreational vehicle, it is crucial that you do all you can to keep yourself protected and safe. Whether the RV sits in your garage for most of the year or it’s out traveling the country, the All Nevada Insurance, Inc. serving the Las Vegas, NV area agrees that staying safe starts with having the right insurance policy.

Required by Most Lenders

One of the top reasons to buy recreational insurance is because it may be required by law or your lender. If you don’t owe anything on your RV, then you, of course, don’t have a lender to deal with, but if you do, the lender will most likely mandate that you keep insurance on the vehicle until it is paid off. Plus, keeping insurance on the RV is a smart choice because the law usually requires a minimum policy of some sort.

Helps During Difficult Times

There’s nothing peaceful about being in an accident or the RV breaking down on the side of the road. With recreational insurance, though, you can rest easy knowing you have help during difficult times. Imagine breaking down on the side of the road in the middle of the night in the middle of nowhere. For some people, the only assistance they can turn to is the help they get through their insurance company. You need to make sure you always have help available when needed, and there’s no better way to protect yourself than through insurance.

Would you like to learn more about the many reasons to buy recreational insurance? Here at All Nevada Insurance, Inc., serving the Las Vegas, NV area, we have helped thousands of people just like you with recreational coverage. Give us a call today.

Should you get RV Insurance?

When you are in the Las Vegas, NV area, an excellent investment to consider making would be to purchase an RV. If you have the dream of driving around the southwest United States to see all of the fantastic landmarks, having an RV can be a great option as it gives you a place to sleep and a mode of transportation. When you are shopping for an RV, you should also think about your insurance needs. There are several reasons why you need to get RV insurance.

Required by Law

One of the reasons to get an RV insurance policy is that it is required by law. When you operate an RV on a public road, similar to any other vehicle, you are required to carry a minimum level of liability insurance. If you do not have this coverage and are caught driving without it, you could face a variety of forms of penalization that can include fines or loss of your right to drive for some time.

Covers your Asset

Another reason why you should get insurance coverage for your RV is that it will give you coverage for your assets. Buying an RV is always going to be a big purchase that will require a sizeable down payment and costs related to ownership. If you do not have coverage for the property, you will continuously be risking these assets. With an insurance policy, you will have the coverage that you need to repair or replace your RV. 

Ultimately, choosing an RV insurance policy is a big decision. Those that are in Las Vegas, NV should reach out to All Nevada Insurance, Inc. to discuss their insurance needs. The team at All Nevada Insurance, Inc. can help you to pick a policy that provides the right coverage for your RV. 

Common motorcycle accidents and how to avoid them

If you are a motorcycle enthusiast, you know the thrill that comes with driving one. However, with fun comes danger. Fortunately, bikes also come with fantastic safety tools like powerful brakes, obstruction-free vision, smooth handling, and a pair of great grippy tires. However, that does not mean you shouldn’t take safety measures. All Nevada Insurance, Inc. recommends purchasing motorcycle insurance to protect you and other road users. So, what are some of the most common accidents in Las Vegas, NV, and how can you avoid them?

A car that suddenly turns left in front of you

One of the most common motorcycle accidents occurs when the driver of the car in front of you fails to see you while turning at an intersection before you. In most cases, both parties may be at fault, and that’s why this kind of accident happens more frequently. You can avoid this by being on the lookout for signs of a driver trying to turn in front of you. Slow down, take your brakes, and be ready to take any evasive action.

Taking a turn in a corner too fast

If you enter a corner at full speed, you are likely to cause an accident expressly if there is an incoming car or motorcycle. To avoid this, never ride faster than you can see, no matter how good you know the road. Make sure you can see and read the road signs along the road as you ride.

Hit from behind by a car

This accident is quite common in Las Vegas, NV, especially if one or both motorists are new to riding and driving. A car driver can overestimate their distance as you are trying to slow down or change a lane. While this accident is common, most motorcyclists end up losing their lives. To void this accident, always keep a considerable distance from cars and move to the side if you feel a driver is reckless.

For more information on how to stay safe as a motorcyclist, contact All Nevada Insurance, Inc., and we can help you stay safe.

How much classic car insurance do you need?

The state of Nevada requires all residential car owners to show proof of auto insurance that pays at least $25,000 per person for bodily injury ($50,000 per incident) and a minimum of $50,000 for property damage. Your classic auto insurance may meet the minimum requirements. Is that amount enough, though, if your vehicle is damaged beyond repair in Las Vegas, NV? The agents at All Nevada Insurance Inc. can help you find the classic auto indemnity coverage that is right for your lifestyle.

What is classic auto insurance?

Classic auto insurance is an indemnity plan that provides coverage for vehicles that are at least 15 years old. Your mileage on an eligible car or truck must also be significantly below average for a classic auto insurance plan to fully serve its purpose. 

Classic auto insurance is not the same as antique indemnity coverage. Antique auto insurance requires the age of the vehicle to be at least 25 years old. Drivers are also restricted when operating antique vehicles. Classic auto insurance does not have stringent restrictions but does typically pay more than standard car insurance when the vehicle is damaged beyond repair. 

How much classic auto insurance do you need?

The amount of classic auto insurance you need heavily depends on your lifestyle. You may find that purchasing the minimum coverage is sufficient if you do not commute for months at a time in Las Vegas, NV. It may be necessary to buy more coverage if you drive several times per month. 

The agents at All Nevada Insurance Inc. can help you find the classic auto insurance plan that is right for your situation. Call us today to get started with a quote for coverage!

COVID-19 AND YOUR PERSONAL INSURANCE BROKER

To Our Valued Clients, Customers, and Partners,

At All Nevada Insurance (ANI) we are committed to helping you in getting through such unprecedented times. We sincerely hope you all are doing well despite the state of affairs currently affecting our daily lives and know this too shall pass.

In light of the recent concerns, we have taken precautions. As an insurance agency, we are considered an essential business; however, a majority of our offices around the valley have opted for safety first for our staff and for our community. We are open for business via technology through the use of telephones, email, online conferencing and use of our online customer service portal. We are working closely with our carrier partners to support those being affected financially so if you are concerned about your payments, please be sure to give your agent a call so we can see how we can work alongside you to lessen the stress. Please feel free to visit our website at www.allnevadainsurance.com or www.aniinc.us and choose our customer service portal. If you have a registered email and mobile phone registered with us, you will be able to request changes online. We are only accepting electronic payments at this time by only taking a debit/credit card or using your routing and account information. If you are more comfortable speaking to your personal insurance broker, please contact them on their office phone during normal business hours. Hold times may be slightly longer than usual since many of our agencies are now working remotely. We appreciate your patience as we continue to strive to work in excellence.

You are very important to us and we appreciate the opportunity to serve you. Our best to you and your families. We will get through this together.

The All Nevada Insurance team

Does Recreational Insurance Cover all of my Camping Gear?

Camping gear can be costly, especially if you have to replace it. People enjoy camping because it allows them to get away from the hustle and bustle of their everyday lives. In Las Vegas, NV, residents love to explore and camp in the mountains. The agents at All Nevada Insurance, Inc. offer recreational insurance that will help to cover the cost of your camping gear if it is ever damaged or stolen while you are out and about wandering the forests.

Homeowners’ Insurance

Your homeowners’ insurance will often cover your camping gear, even if you have it in a remote location. Typically, this would include your tents, sleeping bags, propane cooking stoves, and other portable camping gear. It’s essential to keep an itemized inventory of all your camping equipment and make sure that your agent also has a copy.

Recreational Insurance

Some types of camping gear may also fall under recreational insurance. If you own an RV or pull-behind camper, your camping gear may be covered under this type of insurance. This could include campfire cooking items, chairs, tables, and awnings. If you own an RV or camper, keep an updated inventory on hand, and give one to your insurance agent as well.

Anyone who loves to go camping knows how valuable their camping gear is. If you live in the Las Vegas, NV area, and are an avid camper, contact the agents of All Nevada Insurance, Inc. They have the information you need on recreational insurance policies and will work with you to make sure all of your camping gear is fully protected. Take a few minutes and call their office today!

Does RV Insurance Cover the Possessions Inside?

Owning an RV in Las Vegas, NV is an open invitation to the world beyond a stationary front door. Instead of having to be greeted with the same view time and time again, you get to choose what you see on any given day. This kind of freedom is precious to RV owners, but it also presents a few problems that they need to account for. Instead of taking certain things for granted, they need to ask how their insurance policy will affect their lifestyle. All Nevada Insurance, Inc. wants you to know more about RV insurance and what exactly it’s made to cover.

The Answer 

The short answer to this question is that it ultimately depends on your policy. Typically, you’ll need to talk to your insurance carrier to ensure that your possessions are covered from theft, vandalism, or damage.

Why It Matters 

For many people, they use their RV insurance as if it’s their home, which is why it’s not unusual to see people buy some home insurance. If you’re going to be taking your RV out for just a day or two every month, though, it’s different from living in it for six months straight. If you’re planning on spending extended time in the RV, you’re likely to take everything from your favorite clothes to your jewelry and electronics. This can ultimately make for hefty replacement fees if you suffer from an unexpected catastrophe. 

If you have questions about RV insurance, call All Nevada Insurance, Inc. today. We’re here to help the people of Las Vegas, NV get answers that will ultimately make it easier for them to enjoy their RV that much more. Whether you’re planning an epic trip or want the option someday, we’re here to chat.

5 Benefits of Taking a Motorcycle Safety Course

Motorcycle riding is both fun and dangerous, due to the high risk of injuries if you have an accident. The more skilled you are at riding, the better your chances are of avoiding accidents. Through a motorcycle safety course, you can learn valuable riding skills that can protect you during your travels. At All Nevada Insurance in Las Vegas, NV, we recognize the importance of motorcycle training in keeping riders safe on the road. Here are some of the many benefits you stand to gain by taking a motorcycle safety course.

Learn Riding Skills 

As a new rider, you’ll learn motorcycle riding skills from experts to enhance your safety on the road. You’ll also gain riding practice and experience within a safe, secure environment. The more experience you have, the more confident you’ll feel on the road.

Hone Riding Skills

If you’re an experienced rider, you can hone your skills for long-distance or city riding. Through intermediate riding classes, you can learn new safety techniques that can make you a better rider. You’ll also have a chance to correct poor riding habits that put you at risk of causing accidents.  

Input on Buying a Motorcycle

New riders can gain experience riding different types of motorcycles in a motorcycle training school before deciding what type of bike to buy. Your instructor can even provide valuable input on buying a bike, motorcycle gear, and even motorcycle insurance.

Insurance Discount

Many insurers offer insurance discounts to riders who complete a motorcycle safety course as learning riding skills reduces their risk of accidents.

Fulfills DMV Motorcycle Test Requirements

Completing a motorcycle training course from an approved school in Nevada could fulfill your DMV test requirements to obtain a motorcycle license.

For quality motorcycle insurance at affordable costs, contact All Nevada Insurance Inc. in Las Vegas, NV.

What are the benefits of getting boat insurance in Las Vegas?

The state of Nevada is well known for having some scorching summer days. At the same time, there are many different local lakes and waterways that can be enjoyed if you buy your very own boat. When you are shopping for a boat in the Las Vegas, NV area, you need to remember that you have to get boat insurance as well. Several benefits come when you get boat insurance in this area. 

Ensures Your are Covered for Accidents

One of the main advantages of getting boat insurance in Las Vegas is that you are covered for damages if you are at fault in an accident. While you can be a very safe boat operator, there is always a risk that you could cause an accident. Depending on the accident, the damages could be expensive to cover. The boat insurance policy will give you liability protection for these situations. 

Protects your Boat

Another advantage of boat insurance is that it will protect your boat. If your boat is ever stolen, damaged, or vandalized, paying to replace or repair it could be costly. When you have a boat insurance policy, it will give you coverage for these situations. Many boat lenders will also require you to carry this insurance to ensure you can repair or replace the boat if necessary. 

There are a lot of great reasons to get boat insurance on your Las Vegas, NV area boat. When you are shopping for boat insurance, you should contact the team at All Nevada Insurance, Inc. When you do contact the insurance professionals at All Nevada Insurance, Inc., you can learn a lot more about your insurance options and needs. This will make sure that you and your boat are adequately covered at all times.