Do I Need RV Insurance All Year Through?

If you are one of the Americans who want to explore the abundant natural wonders of our country, using a recreational vehicle is an excellent option —and you need RV insurance all year round. But if you use your RV seasonally, you may wonder whether you should keep your RV insurance all year through? After all, isn’t this unnecessary and expensive? The answer from All Nevada Insurance Inc. of Las Vegas, NV is that you need RV insurance throughout the year for the reasons below:

Risks don’t have an off-season

You may have parked your RV in a secure location, but it’s still vulnerable to risks. While your RV is off the hook from accident-related threats, it isn’t safe from dangers like fire, theft, vandalism, and natural disasters.

It may be off-season, but whether you have stored your RV in the driveway or storage facility, damages and losses can still happen, and that’s why you need to keep your RV insurance running.

It may be required

If a federal-regulated lender has financed your RV purchase, you don’t have a choice about maintaining RV insurance all year through. Your lender will likely insist that you keep your RV insurance throughout to protect the investment in case anything happens to it before you pay back your loan entirely.

Don’t cancel your RV insurance

When you think about it, canceling your RV insurance may be more costly than paying the premiums when not using your vehicle. You may regret why you didn’t renew your policy when you discover one risk is enough to cost you thousands of dollars, wiping off all the savings made by canceling your policy.

Need RV Insurance in Las Vegas, NV? Please talk to All Nevada Insurance Inc. We will take you through the various RV insurance options and the importance of maintaining your insurance all year through.

4 Tips for Improving Your Safety While Riding a Motorcycle

Regardless of whether you are new to riding a motorcycle or you have been riding for years out on the beautiful open road, your main priority should always be to stay safe. Apart from having a motorcycle insurance policy from an insurance agency like All Nevada Insurance Inc., Las Vegas, NV motorcyclists should learn to be as proactive as possible to prevent accidents and related injuries.

Perform a Pre-Ride Inspection

Before going out for a ride, you should inspect your bike. Make sure the tire pressure levels are on-point, the brakes are working as they should, the headlights are properly working, and the oil levels are good. This will prevent the risk of a breakdown as well as a bike problem-related accident.

Wear the Appropriate Gear

One of the best ways to protect yourself against head injuries while on your bike is to wear a helmet. All states don’t require helmets while riding, but they are definitely worth wearing. You should also wear a pair of bike goggles to protect your eyes from glare, dust, and debris. Nonskid waterproof boots are a good idea as well since they offer an enhanced grip on the bike pedals.

Purchase Motorcycle Insurance

In the majority of states, state-minimum motorcycle insurance is required or motorcyclists can face suspension of their license or hefty fines. Usually, the bare minimum is liability coverage, which covers expenses related to property damage as well as bodily injuries for other involved parties for at-fault accidents. Additional coverage, such as for uninsured motorcyclists, is also wise.

Enroll in a Motorcycle Safety Course

To ensure you are on top of everything, enrolling in a motorcycle safety course every now and then is a good idea. This is particularly true for new riders, as it will teach you how to handle the bike and all of its components, how to ride in various weather conditions/terrains, and much more. If you take it and pass it, let your insurer know in case it qualifies you for a discount!

Speak to the agents at All Nevada Insurance Inc. to help identify the extent of motorcycle insurance coverage you need in Las Vegas, NV.

Keep your ATV protected with insurance

All Nevada Insurance Inc. understands just how much fun ATVs can be! Our clients in the greater Las Vegas, NV area are lucky to live in an area where we get to enjoy the great outdoors on our ATVs and other recreational vehicles. 

Why ATV insurance is important

A lot of people may opt not to get ATV insurance because they mainly ride on private roads and properties. While you may not take your vehicle out on the road, there is still a need for insurance coverage. 

If you are riding on private property and experience an accident, your ATV insurance may help to defray some of the costs of repair or replacement. It can also protect you in the event of an accident where you or your passenger sustains injuries that require medical attention. 

In such circumstances, the fact that you are on private roads or land will not offset the financial impact that such an accident may have. Won’t you enjoy your ATV, even more, when you know that both you and your vehicle are protected? A comprehensive plan can also come into effect to protect you in the event that your recreational vehicle is lost, damaged, or stolen. 

You owe it to yourself to find out more about the ATV policies that are available and how they can protect you and your vehicle. 

Enjoy your ATV knowing you have the protection you need!

All Nevada Insurance Inc. in Las Vegas, NV can help you determine which ATV policy works well with your needs. Don’t forget to put ATV insurance on the top of your to-do list! Come by our office or give us a call to find out more. 

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.