Who Would Benefit From Recreational Insurance?

Ask All Nevada Insurance Inc about recreational insurance, whether you use a recreational vehicle occasionally or permanently. Before we dig into who recreational insurance benefits, we need to know what it is.

What is recreational insurance, and why is it important?

Recreational insurance is insurance for recreational vehicles. Recreational vehicles include campers, motor homes, camper vans, fifth wheels, pop-ups, ATVs, and watercraft. There are many types of recreational coverage. This includes liability coverage, collision coverage, personal effects coverage, and roadside assistance. The type of coverage you get depends on your insurance provider and policy. Recreational insurance can cover up to 250 days a year in many states.

Some auto insurance policies cover RVs that are pulled behind a vehicle. Home insurance can cover ATVs on your property. Although other policies cover RVs, we recommend having recreational insurance if you use them regularly. Some states require ATVs and driven RVs to have liability insurance. This is to protect you in case something happens to another person or their property.

Who does recreational insurance benefit?

We talked about what recreational insurance is and why it might be important. Now we need to talk about who would benefit from recreational insurance. If you like to travel and have an RV, then it would be a good idea to have recreational insurance. If you regularly use ATVs or watercraft, having recreational insurance would also be beneficial. Recreational insurance is also a good idea if your state requires you to have liability insurance.

Call us here at All Nevada Insurance Inc. in Las Vegas, NV if you love to travel and regularly participate in recreational activities.

How to File a Rec Insurance Claim

Suppose you’ve already obtained rec insurance for your RV, boat, jet ski, dirtbike, or other recreational vehicle, congratulations! You now have financial protection if someone ever gets injured from your rec vehicle, and you’re held liable for their medical expenses or possible legal fees. 

But how exactly do you file a rec insurance claim? Here’s what you would need to do: 

  1. The first step is to contact your insurance agent as soon as possible and provide them with as much information as possible. They’ll ask you whether anyone was injured, where the accident occurred, and what exactly happened. This will help them explain to you the process of filing your claim. You’ll probably have to complete some paperwork, and your insurance company will investigate the accident to determine whether your vehicle can be repaired. 
  2. It would help if you remembered to stay proactive during the whole process and not be afraid to ask questions. This will help you maximize your settlement and ensure you don’t get into financial trouble. 
  3. Lastly, keep your assigned claim number and your insurance company’s contact info handy, so you can readily answer questions if anything comes up. 

All Nevada Insurance Inc., which serves the Las Vegas, NV area, is about helping clients like you insure their property, such as their recreational vehicles, without hassle. 

Our experienced agents are committed to giving our clients a positive, efficient experience. Thanks to our open communication and top-of-the-line technology, we can help you find affordable rec insurance or whatever type of insurance you need. 

Contact us today to learn more about our exceptional services. We’re excited to help and give you the insurance coverage you deserve.

Recreational Vehicle and Camper Safety

Summer is here, and it is time to get the RV out and start exploring. As others take to the roads for summer travel from Las Vegas, NV, it is essential to ensure you stay safe while traveling. There are several things to do to ensure you are safe in your recreational vehicle or camper. All Nevada Insurance Inc. experts are ready to answer your questions regarding coverage for you during your travels. 

If you plan on heading out this summer in your RV or camper, here are some tips to keep you safe: 

Practice Driving

If you are new to driving your RV or have not been out driving in it for a while, it is a good idea to get some practice in. Driving an RV does not move the same as a car. So take time to practice driving and parking your RV to help prepare you for the open road. 

Prepare for Breakdowns

Being prepared in advance for the chance your RV or camper may break down while on the road is the best way to ensure your safety should something happen. The best way to prepare for a breakdown is to sign up for some form of roadside assistance through your insurance company. Roadside assistance will help you if you need to be towed or need some form of service any time of the day or night. 

Create a Safe Space

As you travel, you want to make sure you are safe in your home-away-from-home. Before going to bed for the night, make sure all doors and windows are locked. To ensure privacy, pull down all the blinds and close the curtains. Should someone knock on your door late at night, do not open it.

In addition to staying safe in your RV, you want to make sure you have the necessary insurance coverage in Las Vegas, NV. Call our specialists at All Nevada Insurance Inc. for help insuring your RV or camper.

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!

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.

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. 

Tips for Working at Home

Tips for Working at Home

Steps to make working from home more efficient.

Working from home certainly has its benefits: you avoid a commute, you have the freedom to run errands when you need to, and digital tools make it simple to check in with your colleagues. Even so, there are quite a few challenges, too. Being distracted by domestic duties, friends, and family can result in your work suffering. To master the art of working from home successfully, read on.

Establish working hours.

This is the first step to ensuring productivity while working from home. If your employer hasn’t set you hours already, do so for yourself. It’s tempting to give yourself flexibility by sleeping in or taking frequent breaks, but this can only lead to unproductivity in the long run. Set yourself consistent hours to stay accountable to yourself and to your boss.

Identify what needs to get done every day.

You may think you’re less accountable for the work you do when you work from home, but in reality, you should be ensuring all deadlines are met and your work is up to standard because there really is no excuse. By noting what you need to do each day, you give yourself tasks that you need to complete, whether you’re distracted or not.

Get dressed.

It’s tempting to work in your pajamas and slippers, but this could hinder your work. Keep to a regular routine of waking up, showering, and getting dressed – just as you would if you were going to an office. This helps to flip a switch in your brain that you’re in work mode so that you focus on getting your work done.

Create an at-home office.

Sure, the couch is comfier to do work, but this could take a huge toll on your productivity. Just like getting dressed, working from a desk tells your brain that it’s time for work, not relaxation. You are more likely to feel alert and organized if you work at a desk, even if it’s the kitchen table.

Stay in the loop.

Remote workers lose the opportunity to pop into someone’s office, so they need to be mindful to do so virtually. Checking in with your team may mean more deliberate and responsive emails, sometimes supplemented by instant messaging. It’s a good way to let your team know you’re working from home.

Whether you’re looking for business insurance for your endeavor or you’re looking for a new opportunity to start a franchise, contact the team at All Nevada Insurance today.

Should You Pay Off Your Mortgage Early?

Should You Pay Off Your Mortgage Early?

Pros and cons of paying off your mortgage early.

One of the most debated topics in personal finance is whether it makes sense to pay off your mortgage early or invest in extra cash. There are significant advantages and disadvantages to both options, and there may not be a solution that is best for every situation. Take a look at these pros and cons to help you decide what to do.

Pros of paying off your mortgage:

  • No mortgage means lower expenses and less need to draw down your savings in retirement.
  • You may save thousands of dollars by not paying the interest on a mortgage. Even if your tax deductions would be reduced if you were to accelerate the mortgage payments, you’d still win financially.
  • For some people, the peace of mind they gain by eliminating debt is the most important consideration of all.
  • If you can pay off your mortgage by the time you retire or shortly thereafter, you’ll need much less income to support yourself in retirement than people who are either renting or still making mortgage payments.

Cons of paying off your mortgage:

  • The extra payments reduce the amount of money that you have to invest or to meet financial emergencies.
  • You’ll have reduced liquidity. It’s easier to access funds sitting in an investment account or bank account than to access funds in the form of home equity.
  • The money you invest has the potential to grow faster than the savings. You gain by paying less mortgage interest.
  • People with no mortgage may be looked on unfavorably as the lender lost money what would have been accrued in interest payments.

Whatever. You decide to do, be sure you feel confident in the plan. Find financial stability by securing reliable and affordable insurance policies. Contact the team at All Nevada Insurance for information on how to select adequate coverage for your needs.