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.

Common Motorcycle Insurance Myths Las Vegas Residents Should Avoid While Researching Policies

All Nevada Insurance Inc. assists the Las Vegas, NV community through offering residents insurance coverage. We strive to offer our clients coverage that allows them to protect their assets both now and well into the future.

Motorcycle Insurance

During the warm summer season, many residents enjoy riding their motorcycles through Las Vegas, NV, and into the desert. While you are enjoying all of the scenery on your motorcycle, it’s important that you have some protection. Motorcycle insurance gives you a layer of security. You will be covered in the event that you are involved in an accident. You’ll also be covered if your motorcycle is stolen. While you are researching different motorcycle insurance policies, avoid some of these common myths.

You Can Add Coverage To One Of Your Other Policies

This is incorrect. The only way to ensure that your motorcycle is fully covered is through a motorcycle insurance policy. You will not be able to amend your coverage in another policy to protect you in the event that your motorcycle is damaged.

I Don’t Need Coverage During Cold Seasons

While you may not ride your motorcycle during the winter and early spring, accidents can happen while you are keeping your motorcycle in storage. Perhaps a falling object lands on your motorcycle and damages it. Your policy will cover these unfortunate circumstances.

If I Let Someone Else Borrow My Motorcycle I’m Not Responsible If Anything Happens

This is incorrect. The majority of policies outline that you are responsible in the event that someone is riding your motorcycle and gets involved in an accident. Do not assume that your friend’s coverage takes the place of yours while they are operating your motorcycle. Research your policy thoroughly for further clarification.

Consult With All Nevada Insurance Inc.

For more information on different motorcycle insurance coverage options, please visit our website.

What are the benefits of a Las Vegas classic car insurance policy?

Anyone that is looking to purchase a classic car in the Las Vegas, NV area needs to make sure that they get an adequate insurance policy. Since a classic car is a unique form of vehicle, you should get a policy that properly reflects this. A great type of insurance policy to get in these situations is a classic car insurance policy. 

Provides Coverage for Collectible Value

The main reason to get classic car insurance as opposed to normal insurance coverage for your classic car is that it will give you the coverage that will protect the collectible value of your car. A classic car can be extremely valuable and expensive to repair or replace. When you get a classic car insurance policy, you can negotiate with the provider to ensure that your vehicle’s collectible value is properly accounted for when it comes to policy coverage.

Policy Reflects Liability Risk

Anyone that wants to drive any type of vehicle in Nevada needs to have liability insurance. When you have a classic car, you likely will drive very little each year, which means that your liability risk is quite low. With a full classic car insurance policy, you can receive a liability policy that properly reflects your driving habits and history. 

If you are a classic car owner in the Las Vegas, NV area, you will want to make sure that you get an insurance policy that properly protects your asset. Those that are looking for insurance should consider getting a classic car insurance policy through All Nevada Insurance Inc. If you call the team at All Nevada Insurance Inc. you are going to receive the guidance and support that you need to pick a quality policy. This will ensure your prized asset is properly protected. 

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.

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

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.