Risks Of Not Having RV Insurance

RV insurance is a type of insurance that covers a recreational vehicle against various hazards. It is designed for different types of RVs, including motorhomes, camper vans, travel trailers, recreational vehicles, converted buses, and luxury coaches. 

Just like auto insurance in most states, RV insurance is mandatory. Therefore, if you are planning to buy an  RV, make sure you plan to budget some money for RV insurance. If you do not want to get this type of insurance and want to skip it, you should be aware of the certain threats of not having it. 

Threats of Not Having RV Insurance

Those owners of recreational vehicles who prefer not to have RV insurance may face the following risks:

  • They will not be financially prepared for accidents and emergencies that can happen to them and their RV off the road. 
  • If they are involved in a road accident that causes physical injuries, they will have to cover all medical expenses themselves. 
  • Without proper RV insurance, they are not protected from lawsuits and claims, as well as accident liabilities. 
  • In case of complete damage or loss, they will not get a replacement fee for their vehicle
  • If people live in their RV, and it is considered their permanent home, they are not protected from non-collision damages, fire, or theft without RV insurance. 

All Nevada Insurance Inc. in Las Vegas, NV – One Call, Your Rates Fall

If you are a lucky owner of a recreational vehicle, you should consider getting RV insurance to protect yourself and your vehicle. If you live in Las Vegas, NV or any other nearby area in Nevada, All Nevada Insurance Inc. is ready to help you find an insurance policy you need. Do not hesitate to contact us today to find out about insurance options and rates. 

Motorcycle Insurance Coverage Options in Nevada

Heading out on the highway with the wind blowing in your hair is an amazing feeling that you get when riding a motorcycle but it can also be dangerous. In the state of Nevada, many of the motorcycle accidents that occur result in injuries sustained by the riders or others who are involved. For that reason, even though it is not required in Nevada, you should have at least a liability motorcycle insurance policy in place.

There are also other options for motorcycle insurance coverage and the staff at All Nevada Insurance Inc. in Las Vegas, NV understand the importance of each of them.

With a large majority of motorcycle accidents in Nevada resulting in injury, it’s important to review your motorcycle insurance and make sure it provides the protection you need and want.

Uninsured/Underinsured Motorists

This type of coverage will pay for your medical costs if an uninsured or underinsured driver causes an accident. It will also cover your passenger if you have one on your bike at the time of the accident.

Comprehensive and Collison Motorcycle Insurance

This type of coverage will pay for any damages to your motorcycle due to a natural disaster, a fire, or an act of vandalism. This insurance will also replace your bike if it is stolen. Collision insurance will help pay for damages to your bike if you collide with another vehicle or some sort of object. If you obtained a loan to purchase your motorcycle, these two types of coverage may be required by your lender.

To obtain a quote and get your motorcycle insurance policy started, contact the experienced and trusted insurance agents at All Nevada Insurance Inc. in Las Vegas, NV. Call for an appointment or quote today!

Do I need recreational insurance for my ATV?

Those living in Las Vegas, NV have plenty of opportunities to get out and enjoy the great outdoors. With so many open areas surrounding the city, residents can get out and explore on their ATVs. However, before heading out to ride your ATV, ensure everything is in place to keep everyone safe and protected. 

If needed, call our agents at All Nevada Insurance Inc to discuss recreational insurance coverage options and go over your policy details. 

Do I Need Recreational Insurance for my ATV?

ATVs are popular for those looking to seek outdoor adventures. However, they are also used on farms and for everyday work. Therefore, depending upon the ATV’s purpose, owners should seek appropriate insurance. For example, if the ATV is only used on the weekend, recreational insurance may offer all the coverage needed. 

ATV Insurance Options

It is possible to customize motorcycle insurance. Do some homework and understand the different insurance options available. Standard recreational insurance options for an ATV include liability, collision, gear protection, and multiple policy benefits discounts. 

Additional ATV Coverage

It is possible to customize ATV insurance policies to meet individual rider needs. Personalization options include add-on coverage, medical expense coverage, uninsured/underinsured motorist coverage, and trailer coverage. 

Do Not Rely on Other Insurance Policies

Chances are you have other insurance policies, such as auto and homeowners. Though they offer some coverage for your ATV, they do not replace the peace of mind you will get from having an individual recreation policy. Your ATV insurance coverage will provide you with protection where auto and homeowners insurance cannot provide coverage. 

Las Vegas, NV residents work hard and should be able to play hard too. Being able to get out and play includes getting out and enjoying time riding their ATV without worrying if they have enough insurance coverage. Call our agents at All Nevada Insurance Inc to discuss ATV insurance options and the many benefits of having recreation insurance. 

Are Motorcycle Owners in Las Vegas Always Obligated to Get Motorcycle Coverage?

When you are in the Las Vegas, NV area and want to find a new mode of transportation, investing in a motorcycle can be a good option. Those that have motorcycles will be able to enjoy the warm weather and sun that is frequent in this area of the state. While you can have a lot of fun on your own motorcycle here, it is also important that you have insurance. There are a few reasons why the typical owner here will be obligated to carry this insurance.

Insurance Gives Liability Protection

A key reason that you will need to carry motorcycle insurance is that it will offer you liability protection. If you are going to operate a motorcycle, you will want to know that you have support to cover damages in an accident. With liability insurance, you will have this support. Additionally, drivers in this state are required by law to carry liability coverage at all times.

Lenders Require Coverage

You may also be required to get motorcycle insurance so you can comply with lender requirements. A lot of motorcycle operators will take out a loan when they buy their motorcycle. If you do have a loan outstanding, the lender will require that you carry collision and comprehensive protection at all times until you have paid off the full loan balance. 

If you are going to get a motorcycle in the Las Vegas, NV area, having the right insurance continues to be a necessity. As you are looking for a plan here, you should speak with the team at All Nevada Insurance Inc. There continue to be many great reasons to get this insurance coverage and All Nevada Insurance Inc. can help you choose a plan that is ideal for your situation. 

Classic Car Insurance Options in Nevada

A classic car is not just any car, it is an older model that has been restored and meets certain requirements. In the state of Nevada, to be considered a classic car, the vehicle must have been manufactured at least 20 years before the date in which you apply to obtain a classic car designation. You can apply for classic car insurance for your vehicle if it is considered a hot rod, a vintage military vehicle, a luxury or exotic car, an antique car or truck, or a muscle car. The insurance agents at All Nevada Insurance Inc. in Las Vegas, NV can assist you in determining the needs of your classic car.

While most people know that the value of other vehicles decreases pretty much as soon as you drive it off the car lot, that is not the case with classic cars because they actually increase in value over time and as you do more restoration on them. Your classic car insurance agent will face the amount of insurance on the actual cash value of your vehicle since it will change over time.

Coverage Options

Classic car insurance provides the minimum liability coverage that is required by the state of Nevada for all drivers, so you can drive it to an event or car show. It will also cover your vehicle through a more comprehensive policy that will help to repair or replace it if the classic car is damaged due to some sort of event, such as a fire or vandalism. It will also cover your classic car if it is damaged or destroyed by a natural disaster or if it is stolen. Classic cars are not meant to be driven on the road for everyday purposes but only to special events.

To obtain an insurance policy for your classic car, contact the classic car insurance agents at All Nevada Insurance Inc. in Las Vegas, NV to assist you. Call today for an appointment to get your policy started.

Why Get Recreational Insurance?

Individuals who own campers and other off-road vehicles in Las Vegas, NV tend to shy away from recreational insurance. They feel that they do not necessarily need the coverage, and instead, they opt for auto and homeowners insurance to protect their recreational vehicles.

Recreational insurance can be a bit complex, but it does not have to be with the assurance of All Nevada Insurance Inc. We are experts, and we will take you through the requirements and help you select the best coverage to suit your needs.

Do You Need Recreational Insurance?

Recreational insurance requirements vary from one state to the other. However, you are required to have liability coverage if your recreational vehicle is a motorhome. You may also need it if you wish to lease or finance the car.

If you have a class A or B RV, you must have minimum liability insurance. If your car is towed behind an SUV or track, having liability coverage is optional.

Can You Attach Your RV to Home or Auto Insurance?

You can include your RV in your auto or home insurance policy. Nonetheless, the idea comes with some drawbacks. For example, if you attach your RV to your home policy, the vehicle will not be protected while on the highway. The RV will not be eligible for insurance coverage through home insurance if you wish to take off for interstate trips.

Homeowner’s insurance will only cover your RV if an accident happens on your property.

A recreational coverage plan attached to your auto insurance may cover;

  • Bodily injuries
  • Medical payments
  • Property damage
  • Personal injury coverage

The standard auto insurance does not include recreational liability coverage, which is a requirement before getting on the road.

Contact Us for Recreational Insurance Quote

Our insurance professionals at All Nevada Insurance Inc. understand recreational insurance requirements in Las Vegas, NV, better than you do. Contact us for guidance and let them help you choose a policy that will meet our needs.

Why should I get a motorcycle insurance policy?

People that live in the Las Vegas, NV area may dream of cruising down Las Vegas Boulevard on their very own motorcycle. If you do want to own a motorcycle here, it is important that you spend time thinking about your insurance needs. There are a variety of reasons that someone here should get a proper insurance policy.

Insurance is Required

A reason that a lot of people should get a motorcycle insurance plan is that coverage is required. When you want to use your motorcycle anywhere in the city limits, you are going to be obligated by law to carry a liability motorcycle insurance policy. Further, if you have a loan outstanding, your lender is going to require that you maintain full coverage at all times. By getting proper motorcycle insurance coverage, you will stay in proper compliance. 

Insurance Offers Peace of Mind

You should also get motorcycle insurance because it will provide you with peace of mind. There is always going to be a risk that you could cause damage in an accident or incur a loss if your motorcycle is damaged or stolen. Without a proper motorcycle insurance policy, this risk could be on the back of your mind at all times. Fortunately, when you get a proper insurance plan, you will know that you are covered. This will help you relax and simply enjoy your motorcycle. 

Picking the right motorcycle insurance policy in the Las Vegas, NV area is very important. When you are shopping for insurance here, it would be a good idea for you to call All Nevada Insurance Inc. The insurance professional with All Nevada Insurance Inc. understanda the unique needs that owners have. They can then help you build a policy that gives this appropriate protection. 

Do I need RV insurance in Las Vegas?

When you are in the Las Vegas, NV area you are going to have immediate access to a lot of exciting recreational options in the great outdoors. If you want to be able to see the sights and also have a comfortable place to relax when you are not on the road, getting your own RV can be a great option. Those that do buy an RV will need to get proper insurance for it. There are a few reasons why you will need to get this. 

Insurance Protects You and Your RV

A key reason that people should get an RV insurance plan is that it is a great way to protect yourself and your RV. When you drive an RV there is a chance that you could cause damage in an accident. Not only will you have to pay to repair your own RV but you will need to cover damages incurred by the other party. With a full RV insurance plan, you are able to offset this risk.

Insurance is Required

You will also want to get an RV insurance plan as it is required. Many people will be required to get RV insurance if they have taken out a loan to buy the RV. Further, to drive your RV legally in Nevada, you need to have an appropriate liability insurance plan in place. With a full RV insurance plan, you will know that you are covered.

If you would like to get RV insurance in the Las Vegas, NV area, it would be wise to call All Nevada Insurance Inc. When you do call All Nevada Insurance Inc. you can learn a lot about your different options. The team here can help you build a plan that will work for you and your situation.

A Short Guide to Recreational Insurance

Do you own an RV, ATV, camper, or other off-road vehicles in Las Vegas NV? If not, are you thinking about getting one of these recreational toys? If so, you’ll need recreational insurance, but you may be asking yourself what that is and what it covers. Read on to learn more about this type of policy, put together by All Nevada Insurance Inc.  

There is some confusion around recreational insurance, but let’s clear that up now. Recreational insurance covers just that – those vehicles you use for recreation but can be insured through an existing auto or homeowner’s policy. 

Recreational Insurance through an Auto Policy

Purchasing a recreational insurance policy through your auto insurance is an easy way to secure a policy. This plan covers any physical damage to your ATV, RV, or other recreational vehicles. It will also pay for the worth of the vehicle if it should become lost or stolen. To cover other costs, like vandalism and damage caused by mother nature, you can opt for full coverage. If an accident were to occur, this policy would cover bodily injury, personal injury, and medical payments as well. 

Recreational Insurance through a Homeowner’s Policy

In general, you can purchase a recreational policy through your homeowner’s insurance when the vehicle, such as a camper, does not go on the public highway. This excludes any campers you take on road trips. Furthermore, this insurance plan covers general liability and medical bills and works similarly to any homeowner’s insurance policy where you would need to pay your premiums and file a claim if there is one. 

To learn more about purchasing a recreational insurance policy in Las Vegas, NV, contact the team at All Nevada Insurance Inc. Our friendly agents are standing by to help you find the best policy for a price you can afford. 

Should I Buy Extra Insurance if I Rent an RV?

Renting an RV is a great way to spend your vacation. When you rent an RV, you have the option to purchase additional insurance, over and above what the rental agency already has on the vehicle. The limits of their policy only extend to the RV itself and any damage that it may receive while it is in your possession. In Las Vegas, NV, the agents of All Nevada Insurance Inc, can provide you with the additional RV coverage you’re looking for.

Protect Your Personal Possessions

Purchasing your own insurance will pick up where the RV rental insurance leaves off. The extra coverage will extend to your personal possessions, providing compensation if your items are damaged, lost, or stolen. This will include any additional camping equipment you may take with you.

Liability Protection

Liability coverage from the rental agency only covers injuries that are caused by defects of flaws in the RV. Purchasing additional liability protection will cover the injuries that may be caused while they are visiting the RV or your campsite. 

Additional Coverage

Additional RV coverage provides you with the insurance you need to protect yourself financially. You are better able to protect your belongings and actually enjoy yourself while you are spending time in the great outdoors. It’s up to you to decide how much insurance you feel comfortable purchasing.

The agents of All Nevada Insurance Inc. offer Las Vegas, NV residents RV insurance they can count on. The option to purchase additional insurance should not be taken lightly. Contact an agent today to find out the benefits of purchasing additional insurance while you are renting an RV. They have the answers you are looking for so you can make an informed decision.