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

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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.

Your Boat Buying Checklist

Buying a boat? At Red Rock Insurance in Las Vegas, NV, we’re here to help.

Here’s a comprehensive boat-buying checklist to help you make an informed decision:

  • Assess the Condition. Inspect the boat’s overall condition, both interior and exterior. Look for signs of damage, corrosion, or wear and tear. 
  • Get a Marine Survey. Consider hiring a professional marine surveyor to conduct a thorough inspection of the boat. 
  • Test Drive. Take the boat for a test drive on the water. Pay attention to its handling, performance, and responsiveness. 
  • Explore Storage Options. Determine where you plan to store the boat when it’s not in use and check on availability and cost.
  • Review Insurance Requirements. Contact insurance providers to get quotes on boat insurance. Consider coverage for theft, damage, liability, and medical payments.
  • Legal Documentation. Ensure the boat has proper legal documentation, including ownership papers, registration, and title. 
  • Review Warranties. Check if the boat comes with a warranty, and review the terms and coverage provided. 
  • Consider Additional Equipment. Determine if the boat requires any additional equipment or accessories, like life jackets, navigation systems, fishing gear, or safety equipment. 
  • Final Inspection Before finalizing the purchase, conduct a final inspection of the boat to ensure that all agreed-upon repairs or modifications have been completed satisfactorily.
  • Arrange for Transfer of Ownership. Coordinate with the seller to complete the necessary paperwork and transfer ownership of the boat. 
  • Enjoy the Boat! Once the purchase is complete and ownership is transferred, it’s time to enjoy your new boat responsibly and safely.

Keep Your Boat Insurance Updated

Remember to tailor this checklist to your specific needs and preferences. When you’re ready to explore insurance options, reach out to us at Red Rock Insurance in Las Vegas, NV!

Why would I need umbrella insurance in Las Vegas?

Most people are unfamiliar with umbrella insurance. If you live or do business in Las Vegas, NV, you may have policies for home, auto, business, or commercial insurance through Red Rock Insurance. Those policies protect you in those specific areas.

However, sometimes that coverage isn’t enough. An umbrella policy adds a great deal of extra coverage for a surprisingly reasonable rate.

What Kinds of Umbrella Coverage Can You Get?

One common example is automobile insurance. States require a minimum amount of coverage for each driver, but the amount of coverage is often not enough. For instance, if you are responsible for serious medical injuries as part of an accident, the money is used up fast. An umbrella policy provides protection beyond what your regular policy provides. 

Another common example involves commercial insurance. If someone sues the company for an amount in excess of your policy limits, it may take all the company’s resources to pay for the claim. With an umbrella policy, your protection increases.

How Does Umbrella Insurance Work?

An umbrella policy will not pay out until your regular insurance is exhausted. In other words, you need to have a policy as a basis for your umbrella policy. So if, for instance, your auto insurance has a medical limit of $100,000, the entire $100,000 must be paid before your umbrella policy kicks in. An umbrella policy covers you in bad times when your regular policy fails you.

Reach Out To Us

Living and working without umbrella insurance in Las Vegas, NV may leave you and your family exposed to unnecessary liability. If you want to have better protection or if you just have questions, call Red Rock Insurance today.

Do I need to get condo insurance in Nevada?

When you are in the Las Vegas, NV area, owning a home can be a great idea. For those that are looking to own real estate in this part of the country, buying a condo can be a good idea. When you do purchase a condo, you will want to ensure that it is appropriately covered with insurance.

There are various scenarios when you will need to get a condo insurance policy:

When Financing Home with Mortgage

Las Vegas real estate prices have continued to increase. This has made it necessary for many buyers to get a mortgage to buy the property. If this is your case, it is important to comply with any rules or requirements. In many cases, the mortgage lender will require that you get a full condo insurance plan. They will likely require you to escrow payments, which will ensure you do not lose coverage. 

When Living in an Association

The majority of condo owners in Las Vegas are going to be part of a larger condo association. When this occurs, you will need to get insurance to meet the rules and requirements set in the association documents. If you do not have the right coverage, you can find yourself in default and face a variety of penalties. 

We Can Help

If you reside in Las Vegas, NV and own a condo, it is crucial to obtain the proper condo insurance plan for your situation. When you are ready to start your search for this coverage, our team at Red Rock Insurance is here to help you. Our experienced staff at Red Rock Insurance understands the importance of this coverage and would love to offer you the guidance needed to tailor a policy that suits your specific needs and requirements.

How Whole Life Insurance Works

When you want to leave something behind when you’re gone, you need to have a life insurance policy. When you are interested in getting life insurance, there are two basic choices- whole life and term life. A whole life policy works very differently from a term life policy. There are many benefits that whole life policies come with, and this has made them highly popular. When you want a life insurance policy, call us at Red Rock Insurance in Las Vegas, NV.

Extensive Coverage

When you get a term life policy, it’s made to be active for just a single term of time. This is far different from a whole life policy. Whole life stays good for the rest of your life. No matter what age you reach, this insurance will be in force for as long as you pay for it. If you keep up the premium payment, the policy can’t be canceled. Even the insurance company can’t cancel it. You can expect coverage for your whole life. Many people choose this type of policy because they don’t want to be left without insurance at the end of a term. 

Cash Value

As you continue to pay your premiums, the insurance company invests those funds and makes a profit from them. A small part of that profit is eventually used to create a cash value for your policy. When you have a cash value built up, you are able to borrow that amount of money if you ever need to. This can be very helpful if you have a financial emergency. 

Get a Whole Life Policy

When you want to be covered for the rest of your life, you need a whole life policy. Call us today at Red Rock Insurance in Las Vegas, NV to find out more.

5 Reasons Why Las Vegas Drivers Need Comprehensive Auto Insurance

Las Vegas, NV is a bustling city that is famous for its vibrant nightlife, casinos, and entertainment. Unfortunately, it is also well-known for its heavy traffic and accidents on the road. That’s why it’s vital for Las Vegas drivers to have comprehensive auto insurance.

Here are the top five reasons:

Protection Against Theft

You should know that Nevada has a high rate of car theft. According to the National Insurance Crime Bureau, Nevada ranks 8th for vehicle theft. Comprehensive auto insurance covers theft and vandalism, giving you peace of mind if your car is stolen or damaged.

Coverage for Natural Disasters

Las Vegas is also prone to flash floods, dust storms, and wildfires, which can damage your vehicle. Comprehensive coverage protects you from these losses caused by natural disasters and weather-related damage.

Protection Against Uninsured Drivers

Despite mandatory insurance laws, there are a lot of drivers in Las Vegas who don’t have insurance. If you’re involved in an accident with an uninsured driver, comprehensive auto insurance can cover your expenses, including unexpected medical bills and repairs.

Peace of Mind During Road Trips

Las Vegas is also a popular road trip destination, but long drives can lead to unexpected accidents. Comprehensive auto insurance provides you with peace of mind, keeping your car protected on the road, whether traveling across the state or to another country.

Protect Your Investment

Your vehicle is an investment, and comprehensive coverage protects it from damage and loss. Without comprehensive coverage, you may have to pay out of pocket for repairs or replacements if something happens to your vehicle.

Reach Out To Us

At Red Rock Insurance, we offer a range of auto insurance coverage options, including liability, collision, and comprehensive coverage. We understand the risks of driving in Las Vegas, NV and we can help you find the right coverage to protect you and your vehicle.

Contact Red Rock Insurance today to learn more about our auto insurance coverage options. We’re here to help you find the right coverage to fit your needs and budget.



How To Protect Your RV From Theft

If you are like most people, your RV is your home away from home. And that is why you should treat your RV security similarly to your home security. The friendly folks at Red Rock Insurance are here to help you with tips on how to protect your RV from theft in Las Vegas, NV and the surrounding areas. 

How To Protect Your RV From Theft 

Install Security and GPS

Today, modern technology makes it easier than ever to keep your RV safe. A security system, similar to ones used in homes, can be installed and linked with smart devices so that you can always keep an eye on your RV. Alerts can be sent to local emergency services if there is a breach in security. 

GPS tracking can also be installed. If your RV is stolen, GPS tracking can help authorities find your RV quickly. 

Change Locks After Purchase 

You should remember when you buy an RV that other people have keys to the vehicle. You will need to change the locks in order to prevent theft. You really have no way of knowing who has access to the RV with old keys. It could be several people. To stay safe, always have locks changed and get new keys. 

Lock Up Every Time 

Regardless of how comfortable you are with the area your RV is parked in, you should always lock up when leaving or when turning in for the night. Just because the people you know in the area are safe and trustworthy, doesn’t mean others can come into the area who are not. 

Give Us A Call

If you would like to learn more about RV insurance, please contact us at Red Rock Insurance serving Las Vegas, NV and the surrounding areas. We will be happy to help you. 

3 Classic Car Restoration Mistakes You Should Avoid

Now that you have your classic car in your garage, it’s time to begin the restoration process. It’s easy to rush into the restoration process and stumble upon these three common restoration mistakes. Before you get started, we at Red Rock Insurance in Las Vegas, NV want you to know what to look for when you begin your restoration project.

3 Classic Car Restoration Mistakes To Avoid 

Skimping on Your Research

In the excitement of buying your classic car, it’s tempting to jump right into the restoration work. As hard as it is to delay working on your project, it is absolutely essential to do thorough research on restoring your classic before you start work on it. Don’t wait until you run into unexpected problems to do that Google search or buy the restoration guidebook; do it/buy it now!

Rushing Parts Purchases

It may seem like it makes sense to buy all of your parts at once at the beginning of your project. This can be a costly mistake, however! Yes, you will have to replace some parts of your classic – that’s just part of the restoration process – but you may not have to replace everything you initially think you will. Save yourself the headache of returning parts you don’t need and buy parts as you go.

Skipping Specialized Insurance Coverage

You may think your standard auto insurance is sufficient to cover your classic, but that would be the biggest mistake you could make! Your new baby is going to appreciate in value rather than depreciate like a regular car, so you need classic car insurance to make sure your classic’s real value is covered in the case of disaster.

Get The Right Coverage For Your Needs

Call us at Red Rock Insurance, serving the greater Las Vegas, NV community, to find more!

What renters insurance covers

Renters insurance is an often overlooked type of insurance that many renters tend to skip out on. However, it’s important to note that a good portion of your personal possessions such as electronics or jewelry may be covered in case anything happens. Red Rock Insurance, serving the greater Las Vegas, NV is here to assist with this vital insurance coverage. 

What renters insurance covers

One of the main benefits of renters insurance is protection from theft. If a burglary occurs in your home and any expensive or valuable items are stolen, these items would be protected under your policy. This covers not only the item itself but also what it’s worth at the time of loss. Renters insurance can even cover damage caused by natural disasters like floods or fires.

There are some common misconceptions when it comes to renters insurance. The first is that you only need it if you own pricey items, such as jewelry or a laptop. However, this is not the case. While it is true that more expensive items may be covered in your policy, even small and inexpensive personal possessions like clothing or books are generally covered too. It’s also important to note that many policies will protect you from liability should someone get hurt while at your home.

Finally, another common misconception about renters insurance is that it’s incredibly expensive. In fact, this type of coverage can actually be quite affordable, especially compared with the cost of replacing your belongings or paying a medical bill for an injury caused by yourself or a guest at your residence. If you want peace of mind knowing that you are fully protected in case of any incident, renters insurance is an option worth looking into.

Give Us A Call

At the end of the day, renters insurance is certainly a type of insurance every renter should have. For more information, call Red Rock Insurance today. We serve the Las Vegas, NV area. 

Partner Carriers

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