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Red Rock Insurance

2760 Lake Sahara Dr. Ste 100
Las Vegas, NV 89117

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Three Motorcycle Insurance Coverages That Help Protect Against Damage

One of the most important protections that motorcycle insurance offers is protection against damage to your bike. Policies can protect against damage through a few different coverages. Here are three main ones.

Collision Coverage

Collision coverage generally covers the cost of repairing your motorcycle if you’re involved in a traffic accident, regardless of who is at fault. This type of coverage is especially important in the high-traffic areas around Las Vegas, NV, where the risk of accidents is higher. 

You can usually expect collision coverage to pay for repairs or the value of your bike at the time of the accident (whichever is less).

Comprehensive Coverage

Comprehensive coverage generally covers damages to your motorcycle that aren’t caused by a collision. This may include theft, vandalism, animals, natural disasters, and many other perils. Theft, hail, and other risks are significant if you’re in Las Vegas, NV.

Comprehensive coverage typically pays for repairs up to the value of your bike. We at Red Rock Insurance recommend that most bikers get this and collision coverage.

Gap Coverage

Gap coverage is critical for those who finance or lease their motorcycles. This coverage usually pays the difference between what your motorcycle is currently worth and the amount you still owe on it if it’s totaled or stolen. Without this protection, you could be personally on the hook for the difference between your bike’s value and what you owe.

Protect Your Bike

At Red Rock Insurance, our agents have helped many bikers insure their motorcycles. Contact us for help getting the right coverage for yours.

Adequate Coverage for Boat Collisions

Do you have the protection you need if you are involved in a boat collision? Review the tips below. Then, update your existing boat insurance policy if you wish to have more insurance coverage.

Liability Coverage

Liability coverage pays for the damage that you caused. If you are found at fault for a collision, it is your responsibility to pay the expenses that directly result from the accident. You may need to cover costs for another party’s boat.

You may also be held liable for damages to a marina or another piece of property. Having liability coverage is essential while you are actively operating your boat. It will prevent you from being sued or facing severe legal penalties.

Theft and Damage

If your boat is stolen or damaged by another party, theft, and damage coverage will pay for replacement materials and repairs. The amount of coverage you acquire should be linked to the value of your boat.

Having your boat inspected before you seek this type of coverage is a good idea. This will help you acquire an accurate value of your watercraft. It will also unveil any potential problems you may need to address before operating your watercraft.


Add-ons are specific types of coverage that can be useful. They can protect against the loss of materials and provide protection during unique circumstances. It will benefit you to compare each of the add-on coverage types and choose the ones that will be best for you.

Contact Red Rock Insurance

Contact an agent who represents Red Rock Insurance. One of our agents who serves the Las Vegas, NV, region will assist with your boat insurance policy.

I have adequate business insurance. Is umbrella coverage needed as well?

Enhancing Business Coverage with Umbrella Insurance

As a business owner, you might wonder how much and what kind of insurance is necessary. Finding your way through business insurance can be challenging, especially if an incident occurs that breaches the policy’s limits. In such unexpected events, having additional measures like umbrella insurance can be a boon. At Red Rock, our insurance team is dedicated to helping Las Vegas, NV, business owners find the right coverage.

What is umbrella insurance?

Umbrella insurance serves as a secondary layer of insurance. It can cover the excess amount once your primary business insurance policy’s maximum limits are exhausted. In certain cases where your primary policy doesn’t cover an incident, umbrella insurance acts as the primary coverage. This additional coverage expands the limits of your primary insurance policy, offering further financial protection. If your primary insurance doesn’t cover a particular incident, umbrella insurance often handles circumstances not covered by your primary policy.

Do I need umbrella coverage if I already have ample business insurance?

Umbrella insurance provides an additional layer of asset protection. Umbrella insurance can be very beneficial if you’re concerned about protecting your assets. We can’t predict future mishaps. Any unforeseen incident could significantly impact your business, especially if it stretches the limits of your insurance policy. Umbrella insurance ensures a second level of coverage for your business.

One of our Red Rock insurance agents can help you explore your options and address any questions you have about umbrella insurance. Give us a call; we’re ready to assist you.

Three Frequently Asked Questions About Condo Insurance

Understanding Condo Insurance: A Guide for Condo Owners

If you are a current condominium owner or are considering purchasing a condo, you may find yourself puzzled about condominium insurance. Whether condo insurance is necessary or optional becomes a significant question, especially if you’re about to buy a condo. With Red Rock Insurance, servicing Las Vegas, NV, we are here to clarify your queries about condo insurance. In addition, we strive to help you find the most appropriate policy based on your unique needs while giving you multiple carrier options. Below are the essentials of condo insurance.

What is Condo Insurance?

Condominium insurance is a unique coverage that compensates the condo owner for repair costs related to the interior and personal property in case of an insured peril. However, condo insurance typically covers only the condo’s interior; the exterior and structure are usually insured under the Homeowner’s Association (HOA) insurance policy.

Is Condo Insurance Mandatory?

Whether condo insurance is mandatory or not largely depends on two factors: the financial arrangement for buying the condo and your HOA’s policies. Lenders might require condo insurance if you’re obtaining a mortgage for your condo. Similarly, your HOA may insist on condo insurance, irrespective of whether you’re buying the condo outright or with a mortgage.

What Are the Advantages of Condo Insurance?

One primary benefit that condo insurance offers is financial protection. In the event of an insured peril, your condo insurance can cover the related damage costs, thus saving you from potential financial distress. For many condo owners, this assurance of financial protection is a significant relief, knowing their investment has a safety net.

Do you have further questions about condo insurance? Our seasoned professionals at Red Rock Insurance, servicing Las Vegas, NV, are ready to assist you. We offer various insurance options, including condo insurance, tailored to your needs. Don’t hesitate to call today!

Life Insurance as Part of a Financial Strategy

Insurance is a product that helps you respond to things that happen in the course of your life and your family’s. In the case of life insurance, you might think that the main purpose is to provide a sum to a designated beneficiary, but that wouldn’t account for the many types of life insurance that are available.

Building a Financial Portfolio that Includes Life Insurance as a Strategic Choice

At Red Rock Insurance, we can help you use life insurance to plan for the future in Las Vegas, NV. We can help you choose from term, whole, universal, variable, and final expense coverage, as well as sub-types designed for specific purposes like paying off your mortgage. While the ultimate purpose of life insurance is to help life go on if you’re no longer around and to help those who depend on you, such as your family and your business, there’s more. For example, whole life insurance builds cash value that you can access if you need to. Term life insurance can be used to provide temporarily elevated benefit amounts during a time when that’s appropriate.

Financial Planning Strategies and Insurance

Many of the insurance products you select are designed to help you avoid the major impact of significant losses. For example, auto insurance helps you handle potential liability to others, as well as replacement or repair of your vehicle. You have investments and savings, and even your job or business is a part of your financial picture. At Red Rock Insurance, we can help you select life insurance that fits your needs, your family’s, and your business’ if appropriate, as part of a larger financial picture in Las Vegas, NV. Working with your financial planner, we can arrange coverage, with well-respected life insurance companies.

Do You Need Full Coverage Insurance For an Older Vehicle?

If you own a vehicle, you’re required by law to carry a certain level of insurance. However, carrying the right amount of insurance is important to protect your investment and prevent out-of-pocket expenses due to a range of risks. If you would like to choose the right Insurance protection for your situation, you can count on the experts at Red Rock Insurance to provide you with the insurance products you need. We’re proud to serve the residents in and around the Las Vegas, NV area.

Insurance For An Older Vehicle

If you own an older vehicle, you may have a few different options that the owner of a new vehicle might not have. If you own your vehicle outright and don’t have financing, you can choose the different levels of coverage you purchase rather than being required to have full coverage insurance. If your vehicle is older than ten, you may want to carry liability coverage only. The best way to know which option is right for your needs is to consult with one of our insurance agents. They are highly experienced and knowledgeable and can provide options that will work best for your situation.

We work closely with each customer to learn more about their specific situation and can provide them with a range of products that meet or exceed their needs. We can assist with document submission to help you get insurance coverage fast and provide support when you need to file a claim.

We Are Here To Help

If you would like to learn more about auto insurance, we encourage you to reach out to us today. Please call or stop by our location to speak to one of our insurance agents. We look forward to working with the residents in and around the Las Vegas, NV area. Red Rock Insurance is here to provide peace of mind with exceptional insurance products and services.

Planning on a Long-Term RV Vacation? Here’s Your Insurance Guide

At Red Rock Insurance, we can help you prepare for your extended Las Vegas, NV vacation by providing strong RV insurance. If you aren’t sure why you need a policy, read through this article to get an idea of what great coverage can do for you.

Do You Need Specialized Insurance?

Typically, you can use your normal RV insurance policy when on a long vacation and don’t need specialized coverage. A typical RV insurance policy covers many different concerns to ensure that you’re safe. If you’re planning a long trip, you need to make sure that your policy is up to date and covers everything that you need. Just a few types of policies you might want to get include:

  • Collision Protection: Though you might park your RV for an extended vacation, collision insurance protects you when you’re going to and coming back from your trip. 
  • Comprehensive Help: This type of policy will repair your RV after problems like fires, floods, hail, and animal incidents impact its structural integrity and threaten your vacation.
  • Personal Belongings Coverage: During your long trip, make sure you have this kind of protection to ensure that none of your belongings get stolen. 
  • Vacation Liability: Protecting yourself with extra liability is great if you plan on staying in a busy campground and don’t want to deal with the potential risks of lawsuits. 

Contact Us Today to Learn More

Don’t let your next big vacation turn into a nightmare. Instead, get RV protection from our team at Red Rock Insurance to ensure your big Las Vegas, NV trip goes smoothly. We’ll do whatever we can to help you, including providing hands-on support that makes sense for your specific needs as a camper, no matter how long your trip is.

What Does Classic Car Insurance Cover?

Vegas is the city of glitz and glamour, so it makes for a great backdrop for your beautiful classic car. Keep in mind, though, that when you are cruising down the boulevard for a car show or parade, you want to ensure that your classic car is protected with an appropriate amount and type of insurance. This is where the knowledge and experience of our agents at Red Rock Insurance serving the Las Vegas, NV area come in.

Our agents can assist you with all things related to classic car insurance. First of all, in the state of Nevada, your vehicle must be at least 25 years old to be considered a classic car. Also, all vehicles in the state of Nevada, including classic cars, must have at least liability insurance.

What Does Classic Car Insurance Cover?

Liability Insurance

This type of insurance will protect you if you cause an accident when driving your classic car to or from an event. Keep in mind that classic cars are not to be used for everyday use insert only be on the road to get to and from special events.

Comprehensive and Collision Insurance

Classic car comprehensive insurance will cover your vehicle if it is damaged by some sort of incident, such as a natural disaster, fire, or vandalism. Classic cars appreciate, and value versus depreciating and value like regular cars do over time. This means that the value of your car will be predetermined and that is the amount of insurance that will help you repair or replace your vehicle if it is damaged, destroyed, or stolen.

Collision insurance will help you out if your classic car collides with an object or another vehicle when you are out and about enjoying a drive in your beautiful classic car.

Consult With Us

To create the best classic car insurance policy for you and your vehicle, contact our experienced and trusted classic car insurance agents at Red Rock Insurance serving the Las Vegas, NV area today!

Renters Insurance 101: Protecting Your Space in Nevada

When you are in the process of choosing a renters’ insurance policy, there is no shortage of questions and concerns that are bound to arise. With the guidance of Red Rock Insurance in Las Vegas, NV, you are able to receive answers to all of your queries in a timely and efficient.

Here are a few things when it comes time to decide on a renters’ insurance policy that best fits your needs:

The Importance of an Accurate Inventory

In order to decide on the proper amount of coverage that is required, the renter in question must be willing to provide a complete inventory. The last thing that you want to do is purchase a policy that does not actually address your true concerns. Your policy should also reflect any potential liability concerns that may exist. It is not enough to merely write down a list of all of the items that you currently have in your possession.

Knowing The Particulars

It is important to know which items are covered and it is equally important to know which items will not be covered. The more that you know about the particulars, the easier it is to zero in on the policy that best aligns with your living situation. Don’t make the mistake of assuming that a renters’ insurance policy is going to cover every item that you have. Speak to our professionals first.

Learn More About Each Type of Coverage

Some renters may require a policy that is centered around the actual cash value of their items, while other renters may only need to worry about replacement costs. Our team of experts is more than happy to explain these crucial differences to our prospective clients, giving them the tools that they need to make the most informed decision possible.

Consult With Us

Once you are ready to get started, our professionals are here to address any potential issues that you may have. To learn more about the renters’ insurance policies available to you in the Las Vegas, NV region, please be sure to schedule a consultation with Red Rock Insurance.

Will motorcycle insurance reimburse me for my bike’s theft?

Nevada is a fantastic place to own a motorcycle with its many wide open stretches of highway across the desert and mountain landscapes. Plus, Las Vegas, NV is home to many motorcycle conventions and events, making it an ideal place to ride. Unfortunately, Nevada for all its beauty and opportunities does come with its risks, including motorcycle theft. If you’ve fallen victim to such theft, you might be wondering whether your motorcycle insurance from Red Rock Insurance will help. Let’s take a look at that answer:

Will Motorcycle Insurance Reimburse Me for My Bike’s Theft?

The most important answer to this is that it will primarily depend upon whether you have only collision coverage or collision and comprehensive coverage. Collision insurance is mandated by law so as to protect others who might be insured in an accident. In contrast, comprehensive insurance is not mandated by law, but if your bike is being leased, your lender might mandate the purchase of comprehensive insurance. Comprehensive insurance protects in the event of non-collision incidents, including someone stealing your bike. So, if you have comprehensive insurance, yes! Your insurer will offer reimbursement.

However, how much you will be reimbursed will depend upon a couple of factors, including:

  • Deductible. As with many types of coverage, there will be a deductible for theft claims. This is the amount you will need to pay out of pocket before your insurer will step in. 
  • Actual Cash Value vs. Replacement Cost. Each insurance policy will list whether, in the event of a covered comprehensive claim, they will pay out the actual cash value (which takes into account depreciation costs) or if they will pay out the replacement cost, which translates to the funds needed to purchase a similar make, model, and year motorcycle.

Also, make sure to report the crime! Your insurance company will require a police report that lists your motorcycle’s VIN number and the theft incident before a claim can begin processing.

Contact Red Rock Insurance to Learn More

Interested in upgrading your motorcycle insurance policy? Give our team a call today! We’re proud to serve clients throughout the greater Las Vegas, NV area.

Partner Carriers

  • Advantage Auto
  • Badger Mutual
  • Mercury
  • Progressive
  • Safeco
  • The Hartford
  • Travelers