Summer Tips for RV Living in the Las Vegas Area

Posted on by All Nevada Insurance

If you own an RV, you’re likely excited to hit the road and enjoy the beauty of the countryside. Many RV owners wonder whether they need RV insurance. If you’re in the Las Vegas, NV, area, the team at All Nevada Insurance Inc. is ready to help answer your insurance questions. We’ve been proudly serving clients like you since 2002.

Summer Tips for RV Living in the Las Vegas Area

When bringing your RV to a campground near Las Vegas, it’s helpful to be prepared with these tips from experienced RV enthusiasts. According to Las Vegas RV Resort, you should look for shady spots to park and position your RV so that smaller windows face the afternoon sun. Staying hydrated is crucial in the desert heat, so always carry insulated water bottles with you. To keep your RV cool, use reflective window covers and close your blinds when you leave your rig.

If you plan to explore popular attractions like the Strip, Fremont Street, or Red Rock Canyon, the best times to visit are early in the morning or after sunset to avoid the peak heat. Las Vegas’ desert climate calls for lightweight, light-colored clothing, hats, and sunglasses. Don’t forget to apply sunscreen before heading outdoors.

Contact Us Today for Your Insurance Needs

At All Nevada Insurance Inc., we’re dedicated to providing you with insurance education and exceptional client support. We offer convenient appointments and bilingual services in Spanish. Residents in the Las Vegas, NV, area can count on us for affordable insurance solutions tailored to their needs. Call us today to schedule an appointment and let us help you find the coverage you need for your RV adventures.

Is Motorcycle Insurance Like Auto Insurance?

Posted on by All Nevada Insurance

Motorcycle insurance operates much like auto insurance. It’s a similar type of insurance that incorporates many auto insurance coverages. When you ride a motorcycle, you’re aware of the numerous risks involved. It’s crucial always to have motorcycle insurance to protect yourself and others. Contact us at All Nevada Insurance Inc. in Las Vegas, NV if you need motorcycle insurance.

Liability Insurance in Las Vegas

When you own a motorcycle, it’s essential to ensure it has sufficient liability insurance. This insurance is required in Nevada and is vital for your financial protection. Similar to auto insurance, motorcycle liability coverage is divided into bodily injury liability and property damage liability. Both types of coverage are important for covering your liability after an accident. You may need to pay for both hospital bills and vehicle repair bills for the other party after an accident, and this coverage does just that, so you don’t have to.

Other Coverage

Like with auto insurance, there are other types of coverage that you can include in your motorcycle insurance policy. These include uninsured motorist, collision coverage, and comprehensive coverage. Comprehensive coverage covers a wide range of risks your motorcycle can face when you aren’t on the open road. Collision coverage ensures that your own damages can be paid for by the policy in the event of an accident. Liability insurance doesn’t cover either of these risks to your bike. Uninsured motorist coverage is also important in case someone without insurance is at fault for an accident.

Secure Motorcycle Insurance in Las Vegas

One of the first things to do when buying a bike is to get motorcycle insurance for it. If you’re getting a new ride, give us a call at All Nevada Insurance Inc. in Las Vegas, NV, about coverage.

Does Classic Car Insurance Cover Damage from Natural Disasters in Las Vegas?

Posted on by All Nevada Insurance

Owning a classic car in Las Vegas, NV, can be a collector’s dream when you have the proper insurance protections in place. However, this dream can quickly turn into a nightmare when a natural disaster like a dust storm, windstorm, or hailstorm causes irreparable damage to your antique vehicle.

Learn from the experts at All Nevada Insurance Inc. how to protect your classic car from everyday perils and natural disasters.

Does Classic Car Insurance Cover Damage from Natural Disasters?

Whether your insurance protects you from the consequences of natural disasters largely depends on how your policy is structured.

The age and design of most classic cars make them more vulnerable to natural disasters than later model vehicles. This means that having the right car insurance to protect your investment is paramount.

Natural disasters like wildfires can lead to charred exterior paint, melted trim, interior burns, and even engine fires. Tornadoes and windstorms can leave unsightly dents, scratches, broken windows, or cause garage collapses onto classic vehicles in the path of severe storms.

The best way to learn if you have adequate coverage to protect your classic vehicle from the devastating effects of wildfires, floods, tornadoes, and dust storms is to contact a trusted local agent to review the limits of your current classic car insurance policy.

A knowledgeable agent can assess your current policy and help you make any necessary changes to ensure you have comprehensive coverage to protect your classic car and your financial interests.

Classic Car Insurance for Natural Disasters

Please don’t wait until it’s too late to review your classic auto insurance policy to ensure you have adequate protection from natural disasters and storms. Contact the trusted insurance professionals at All Nevada Insurance Inc. in Las Vegas, NV, for a policy review and get an updated classic car insurance quote today!

Recreational Insurance Covers Far More Than RVs

Posted on by All Nevada Insurance

Like homeowners, your personal belongings in your rented home or apartment in Decatur, AL, deserve the same level of protection. That’s precisely what you get with renters policies from Will Wright Agency Inc. Our renters insurance policies offer the liability and personal property coverage you need to safeguard your financial security. We encourage our policyholders to meet with their insurance agents to tailor their coverage.

Customizing Coverage with Scheduled Items

Policyholders can personalize their coverage by scheduling specific items such as jewelry, designer clothing, musical instruments, and electronics. For instance, a football player or coach who has won a championship could schedule each championship ring in their policy. This ensures each ring is protected at its stated value.

Scheduling an item like a computer covers it for the amount it costs or the amount it would cost to replace, depending on the type of valuation chosen. Most people avoid choosing market value because an item that initially costs a lot could temporarily drop in value, resulting in their payout being less than it would have been had they picked actual value or stated value.

Enhancing Coverage with Riders or Endorsements

Some insurance companies refer to endorsements as add-ons. Each of these terms means the same thing—a rider that enhances coverage to the policy to cover specific situations, such as a home business or hobby equipment. When adding these, please make a list of the equipment it applies to and its value. Other popular riders include the pet damage rider and identity theft coverage rider.

Additional Coverage Options

Renters’ insurance can include other types of coverage besides liability and personal property. Consider adding:

  • Additional living expenses
  • Loss of use
  • Medical payments coverage

Ask your insurance agent if your policy covers debris removal or spoiled food. If not, consider adding that coverage using a rider.

Schedule Your Renters Insurance Review Today

Contact Will Wright Agency Inc. today to schedule your renters’ insurance review. Let us help you protect your home and belongings and belongings in Decatur, AL.

Seasonal Considerations: Adjusting Your RV Insurance for Winter Storage

Posted on by All Nevada Insurance

As the temperatures drop and the camping season winds down, many RV owners start preparing their vehicles for winter storage. While you may be focused on winterizing the plumbing and keeping pests away, there’s another important step you shouldn’t overlook—adjusting your RV insurance. At All Nevada Insurance Inc., providing insurance products in and around the greater Las Vegas, NV area, we want to help you ensure your RV stays protected, even when it’s not in use.

Do You Still Need Full Coverage in the Off-Season?

One common question RV owners ask is whether they should keep full coverage during the months their RV is in storage. While you may not be driving it, your RV is still at risk for theft, vandalism, fire, and weather-related damage. Adjusting your policy to maintain comprehensive coverage while pausing collision coverage can help save money while keeping your RV protected.

Liability Coverage: Is It Necessary?

If your RV is stored on your property, you might think liability coverage is unnecessary. However, if someone were to get injured around your stored RV, you could still be held responsible. Maintaining a level of liability protection ensures you’re covered in case of unexpected incidents.

Talk to Your Insurance Provider Before Making Changes

Before adjusting your RV insurance, it’s always best to speak with an expert who understands your specific needs. Some policies offer seasonal flexibility, while others may have restrictions on adjusting coverage mid-term.

If you’re unsure about the best approach, All Nevada Insurance Inc., which provides RV coverage throughout the greater Las Vegas, NV, area, is here to help. Contact us today to review your policy and ensure your RV is adequately covered for the off-season.

Get a Custom Insurance Policy for Your Customized Bike

Posted on by All Nevada Insurance

Customizing your motorcycle allows you to create your dream bike, but it’s essential to ensure it’s insured for use on the roads of Las Vegas, NV, and beyond. Your custom bike must meet specific criteria to qualify for full coverage. At All Nevada Insurance Inc., we’re well-versed in custom motorcycle insurance and can guide you through the process. Here’s what you can expect.

Ensuring Your Motorcycle Qualifies for Coverage

Major insurance companies offer full coverage for custom motorcycles, provided they’ve been built on a bike made by a manufacturer. If the motorcycle is listed in the NADA Appraisal Guide, you’ll be able to secure an insurance policy that covers replacement costs, medical bills, and property damage.

Options for Custom Bikes Built from a Kit or Spare Parts

Insuring a bike built from a kit or from scratch can be more challenging. Many insurers will only offer liability coverage for bikes in these categories. Other factors that can affect your ability to get a policy include:

  • Replacement of the original frame
  • Not factory-made
  • State-assigned VIN
  • Rebuilt or retitled

However, it’s not impossible to get full coverage for these types of motorcycles. Some insurance companies are willing to work with you and your specific needs. Collaborating with an insurance agent is your best option for securing coverage for your custom bike.

Contact Us Today for Custom Bike Insurance

At All Nevada Insurance Inc. in Las Vegas, NV, we understand the intricacies of custom motorcycle insurance policies. Contact us today to speak with one of our agents about your custom bike and how we can help you secure a policy that provides the right amount of coverage.

A Look at Some of the Most Valuable Classic Cars

Posted on by All Nevada Insurance

Owning a classic car is an enjoyable and valuable asset that could be appreciated over time. Given that classic cars are no longer in production, their supply is set to decrease rather than increase, potentially driving up prices. Naturally, you’ll want to protect your investment with classic car insurance. If you’re seeking insurance agents offering classic car insurance in Las Vegas, NV, consider contacting All Nevada Insurance Inc. For now, let’s explore some of the most valuable classic cars.

Collecting the Most Valuable Classic Cars

The most valuable classic car ever sold at auction was the 1955 Mercedes-Benz 300 SLR Uhlenhaut Coupe, which fetched more than $140 million. This is an extraordinary sum. Even other classic cars fail to come close, like the Alfa Romeo 8C 2900B Touring Berlinetta, which fetched just under $19 million, still a respectable sum.

While these cars are scarce, less rare cars can still fetch a significant sum but are more obtainable and can still make for a great investment. You can purchase a 1967 Ford Mustang, one of the most popular and iconic muscle cars of all time, for less than $40,000. However, expect to pay hundreds of thousands if you want an especially rare model, like the Shelby GT500 Super Snake.

Another popular and rare collector’s muscle car is the Plymouth Road Runner Superbird, which has a rich racing history. These super-desirable cars sell quickly at auction and can fetch more than $200,000.

Many other classic cars are quite valuable. If you own a collector’s car, it’s wise to protect it with classic car insurance. Looking for insurance agents who offer such insurance in Las Vegas, NV? Visit the team at All Nevada Insurance Inc.

Water Damage and Recreational Insurance

Posted on by All Nevada Insurance

Water damage isn’t something you may worry about driving around the deserts of Nevada. Of course, being an adventurer with a fully insured RV, you might decide to go outside the state. California is just a hop, skip, and a jump away. Despite what a popular song may tell you, it does indeed rain in California. So, how are you covered if your RV has water damage?

The Kind of Water Damage Covered

If the water damage was caused by water getting in because a storm damaged the roof or broke a window, you’re covered. Damage caused by flooding is also generally covered by recreational insurance. Do keep in mind that coverage will vary depending on your individual policy and the insurance provider. Read the policy completely down to the minute details.

Exceptions and Limitations

Most policies will not cover water damage caused by neglect. If it’s raining, do the common sense thing and close up all the windows and vents. Don’t take the policy as permission to slack off on maintenance, either. If the water damage is due to deterioration of the seals or just a general lack of maintenance, you may not be covered. If you want to be insured against water damage from internal plumbing leaks, you may have to get additional coverage.

Contact All Nevada Insurance Inc. in Las Vegas, NV

If you live in Las Vegas, Nevada, but feel the need to leave Sin City for parts unknown, you may want to get your RV insured first. We at All Nevada Insurance Inc. would be glad to help you by answering any questions you have and getting you the policy you need.

How to protect your RV with insurance coverage

Posted on by All Nevada Insurance

Understanding RV Insurance

If your RV is damaged in a vehicle accident, it will be handled in much the same way damage to a car is handled. However, there are some important differences, and you may want a separate policy for your RV as a result. All Nevada Insurance Inc. is here to help you with your RV issues and all your insurance needs in Las Vegas, NV.

Handling RV Accidents

If you are involved in an accident, the insurance company will send an adjuster to determine the amount of damage and what the cost should be. If the repair cost is 75 percent or more of the fair market value, it will be declared a total loss, and you will receive a check for the market value. This is similar to how car claims are done as well, but RV repairs are generally more costly.

RV Repairs and Insurance

One key difference is that car repair shops do not normally work on campers or RVs. You will have to take it to a business specializing in that repair type. RVs are also considered like houses or apartments in some cases, which makes it more complicated. Some insurers will not cover you if you live in your RV full-time.

State Rules for RV Accidents

States have different rules for who pays for accidents, and the rules in the state where the accident occurs are what is followed. Nevada is an at-fault state, and the percentage of at-fault comes into play.

If you are not at fault in Nevada, your RV will be covered. You may not be covered unless you have a separate RV policy if you are at fault. You will receive fair market value unless you have an "agreed value" policy in place.

To ensure adequate coverage for your RV, contact the folks at All Nevada Insurance Inc. in Las Vegas, NV.

How Motorcycle Insurance is Different From Auto Insurance

Posted on by All Nevada Insurance

If you’re a new motorcycle owner in Las Vegas, NV, you might assume that adding your motorcycle to your auto insurance policy is sufficient. However, motorcycles require a distinct insurance policy, somewhat similar yet different from other vehicle policies. At All Nevada Insurance Inc., we can guide you in creating the ideal motorcycle insurance policy.

Motorcycle Insurance is More Affordable

Contrary to popular belief, motorcycle insurance tends to be less costly. The reason behind the coverage differences between motorcycles and other vehicles is their passenger capacity. Motorcycles usually accommodate a single passenger, reducing the potential for multiple injuries or deaths compared to cars. Their smaller size and fewer moving parts also contribute to lower repair and replacement costs.

Another factor leading to lower insurance costs is that insurance companies generally consider motorcyclists to possess increased road awareness and fewer distractions. However, be reminded that costs can vary.

Accessory Coverage and Guest Passenger Liability

Unlike car insurance policies, many insurers offer an option to cover unique motorcycle accessories. Such special accessories include custom paint, wheels, seats, saddlebags, windshields, chrome pieces, handlebars, and electronics. Essentially, anything used to customize your bike can qualify for special insurance coverage. Damages to these special items will be subject to deductibles like other elements of your policy.

Maximize the protection for yourself and your bike by contacting the specialists at All Nevada Insurance Inc., proudly serving residents of Las Vegas, NV. Our dedicated staff is ready to assist you in crafting your policy.