Motorcycle insurance is a worthwhile investment to protect you and your bicycle from accidents. However, if you only have standard bike insurance, it may not give you protection in certain instances. In insurance, there are “riders” or “add-ons” you can consider to boost your primary coverage. All Nevada Insurance Inc. in Las Vegas, NV looks at four common add-ons you can consider for your motorcycle insurance.

Umbrella Insurance

While no one likes accidents, they are part of life. Regrettably, if you are at fault for an accident, you may be responsible for bodily injury and property damage. While conventional liability coverage should protect you in such instances, it’s likely to fall short when faced with significant liability claims. For such cases, umbrella insurance comes to your rescue to pick up where your underlying coverage leaves off.

Personal items coverage

If you lose your helmet, riding gear, or any other personal asset, your motorcycle insurance won’t cover the loss. Unless you have renters or home insurance, you will have to pay for the loss from your pocket. However, you can invest in personal belongings to cover your personal stuff.

Roadside assistance

Your motorcycle can stall while miles away from your home. While this can be frustrating, you can manage the situation better if you have roadside assistance. This coverage bails you out when you have a flat battery, puncture, or other minor breakdowns.

Zero depreciation

If your two-wheeler is totaled or stolen, your insurer will compensate you less the depreciation amount. If you were to replace your bike with a similar one, you would have to pay the difference from your pocket. You can cushion yourself from depreciation by purchasing a “zero depreciation” policy.

Want to learn more about motorcycle insurance? Want to buy a motorcycle insurance policy in Nevada? If you are in Las Vegas, NV, please consider All Nevada Insurance Inc. for all your motorcycle insurance needs.

Are you a classic car owner in Las Vegas, NV? All Nevada Insurance Inc. recommends reviewing your classic car insurance policy to ensure you have the best protection possible. Here are a few things to keep in mind when reviewing your policy.

Check for Any Updates to Your Classic Car’s Value.

The value of your classic car may have changed since you last reviewed your policy. Check for any updates to your classic car’s value and update your policy accordingly. This will ensure you have the right coverage in case of an accident or theft.

Make Sure All Drivers are Listed on Your Policy

One common mistake classic car owners make is forgetting to list all drivers on their policy. If you have multiple drivers who will be driving your classic car, make sure they are all listed on your policy. This will ensure they are covered in case of an accident.

When You No Longer Drive Your Car

If you no longer drive your classic car, you may be able to lower your insurance rates. Be sure to let your All Nevada Insurance agent know if you will no longer be driving your classic car so they can adjust your policy accordingly.

Review Your Policy Every Year

Even if you don’t change your classic car or driving habits, reviewing your policy every year is a good idea. This will ensure you are still getting the best coverage for your needs.

All Nevada Insurance Inc. in Las Vegas, NV is here to help if you have any questions about reviewing your classic car insurance policy. Our experienced agents can help you find the best coverage for your needs and budget. Contact us today to get started.

Most RV insurance providers require minimum liability coverage. This can range from $300,000 to $1,000,000. You also want to make sure that you have sufficient collision and comprehensive coverage for your RV. Most RV insurance policies have a limit on the number of passengers that the policy will pay for in the event of an accident. Do you have questions in Las Vegas, NV? Call All Nevada Insurance Inc. 

What Entails the Right Coverage 

Ensure your RV is adequately insured and you have the right coverage for your needs. An RV insurance policy differs from a standard car policy, so it’s a good idea to talk to an insurance agent to find out what RV policy best suits your needs. An RV policy typically covers the RV itself, its attached equipment (such as a trailer), liability coverage, and medical coverage for passengers (often called accidental trip insurance). 

An RV policy falls under one of two categories: liability or comprehensive. Liability coverage is designed to help protect you from financial responsibility if one of your RVs causes damage or injury to another person or property. Comprehensive coverage is designed to help protect your RV from damage caused by perils such as storms, floods, falling trees, and vandalism. In addition to these categories, you will also want to make sure you have adequate RV insurance to cover the value of your RV if it is stolen or destroyed. 

An RV policy is a contract, and as such, both parties need to be clear on what it covers. Ask your agent about your policy details, and review your policy contract carefully. Ensure your RV has enough coverage for your needs, especially if you have expensive gear or valuables. Confirm you have the right amount of liability coverage, especially if you have young drivers in your family; most RV policies have a lower limit on the amount of coverage for drivers under a certain age. Make sure you have the right amount of coverage for your situation, especially if you have an unusual RV or an extensive modification. 

Bottomline 

An RV insurance policy is not one-size-fits-all. It depends on what you have, where you keep it, how often you use it, and your personal risk profile. You’ll want to shop around and compare RV insurance quotes if you’re buying a new RV. RV insurers may ask about various factors, including the type of RV, its value, how you plan to use it, your age, your driving record, and whether you have any expensive items like a classic car or jewels. Contact the Las Vegas, NV. Team in All Nevada Insurance Inc.

Every motorcyclist loves their bike, but that bike also means a lot of risks. To protect against several financial threats, there is motorcycle insurance. If you have a motorcycle and it isn’t insured, contact us today at All Nevada Insurance Inc in Las Vegas, NV.

Liability Insurance for Motorcycles

Motorcycle insurance includes several different coverage types in one policy. This insurance has to have the policy’s bodily injury and property damage liability coverage. If an accident were determined to be your fault, these coverage types would help pay for the medical bills caused to third parties in an accident and the cost of damage to the vehicle. When you have liability coverage for your motorcycle, you don’t have to be sued for the money to pay for those expenses. The policy pays them for you. Having liability coverage is highly important to keep you from huge bills for medical expenses and property repairs. 

Other Types of Coverage

Many other coverage types are useful for riders, even if the law doesn’t require them. Collision insurance is one of these types. It pays for the damage done to your bike to have your bike repaired or replaced. Another type, comprehensive coverage, is also beneficial for riders. It pays for several different incidents that can happen to your motorcycle when it isn’t on the road. These two types of coverage are recommended for every motorcycle operator. 

Cover Your Motorcycle

To protect yourself financially, you need to have a motorcycle policy. It keeps you well-protected against many risks that can cause you financial ruin. If you have a motorcycle and need this coverage, call us at All Nevada Insurance Inc. in Las Vegas, NV.

All Nevada Insurance Inc. is proud to be a resource for the many classic car owners in the greater Las Vegas, NV community. If you have questions about finding the right insurance, give us a call today and let us help!

Finding the right insurance policy to protect your classic car 

There are many reasons why classic cars require different insurance policies than standard vehicles. Because they are antiques, they can become more valuable due to scarcity. Damage is a lot more complex to repair, and finding parts can be challenging. For all these reasons and more, when it comes to insuring your beloved classic car.

When you are selecting your policy, be sure to review all of the available options and features. Finding the right insurance policy is much easier when working with a local agent. They can help you determine the policy features that are most necessary for your particular situation, and they can also assist when it comes to calculating how much coverage you need.

Classic cars often require a significant financial investment to acquire and maintain. Because of this, it only makes sense to protect your asset! Now is a perfect time to look at the available policy options and determine which type is appropriate for your unique situation. We can help you insure your vehicle with the right policy at the right level. 

Give us a call today!

Las Vegas, NV classic car owners can rely on All Nevada Insurance Inc. for their insurance needs. Whether you are a longtime owner or are just thinking about getting into the can, we are here to help. Please stop by our office, or give us a call today!

Recreation vehicles are a great way to get outdoors and spend time with friends and family. To make the most of your rec vehicles, you need solid rec insurance in place. At All Nevada Insurance Inc, serving Las Vegas, NV, and the surrounding areas, we can help you better understand this type of coverage. Keep reading to learn more. 

What Is Rec Insurance?

Rec insurance or recreational insurance is a type of insurance policy designed to provide insurance coverage for recreational vehicles. In most cases, recreational vehicles will be defined as RVs, campers, boats, jet skis, ATVs, snowmobiles, dirtbikes, and others. 

Do I Need Rec Insurance?

Some places will allow you to operate rec vehicles without insurance coverage. However, just because it is not required by law does not mean you don’t need this vital type of coverage. You have invested in your rec vehicles. If they are damaged or lost due to fire, natural disaster, or burglary, it will be your responsibility to pay for repairs or replacement. 

If someone is injured by your rec vehicles, you will be held liable for their medical expenses and any legal fees that might result if they choose to file legal action against you. This could leave you financially vulnerable. 

What Does Rec Insurance Cover?

In most cases, rec insurance will provide coverage in the following categories:

• Collision– If your vehicle is damaged, it will pay for repairs.
• Comprehensive– If your car causes damage to someone else’s property, it will pay for repairs.
• Liability– If someone is injured because of your vehicle, it will pay for any expenses resulting from the event. 

If you would like to learn more about rec insurance or any of our other products, please contact us at All Nevada Insurance Inc, serving Las Vegas, NV, and the surrounding areas. 

You see the words “classic car” get thrown around a lot in the media these days.  You sometimes see it in print and visual advertisements and especially car descriptions for those trying to sell it.  But what exactly makes a car, a “classic” car?  At least in the eyes of the insurance industry?  This question will be addressed below as well as others.  If you happen to be in the market for classic car insurance, All Nevada Insurance Inc. in Las Vegas, NV can help you and your insurance needs.

Classic Cars

In the state of Nevada, for a vehicle to be considered a classic car, the vehicle must be at least 20 years old.  Also, the vehicle can not be older than 40 years old, as that would change the status of the vehicle from “classic” to “antique”.  To illustrate this in the simplest terms, in 2022, any vehicle from 1982-2002 would be considered a classic car.  But, there’s also a catch in this classic car classification and that is down to modifications which we’ll cover in the next paragraph

Original

The classic car should have NO modifications to speak of, the car should be stock and have everything that came with the car when it rolled off of the assembly line.  You’ll see the words “numbers match” in many advertisements of those selling classic cars, that’s exactly what that term means, the part numbers match the original stock parts that came with the car.  Aftermarket parts, modern accouterments (mp3 CD players, engine modifications, etc.), and other changes would revoke the car’s “classic” or “antique” status.

More Information

You can find out more information about classic car insurance by contacting All Nevada Insurance Inc. in Las Vegas, NV today!