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Red Rock Insurance

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

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How Condo Insurance Works

If you are a condo owner, it’s necessary to always have condo insurance to protect your investment and your finances. Condo insurance is an important type of protection that you need in order to pay for damage and other problems that can cost you a lot. There are several types of coverage that are all rolled together into one policy for you and your condo.

To get your condo insurance, call us at Red Rock Insurance in Las Vegas, NV.

Condo Coverage: What You Need To Know

It Protects Your Home

When you have condo insurance, it provides excellent protection for your home. It covers only the portions of the building that you own and excludes areas you don’t such as the outer portion of the outer walls. When you have condo insurance, it protects you against a wide range of potential risks that can damage your home. When something happens that damages it, your condo insurance can pay for you to get it repaired so that you can get your home back to its normal condition. 

It Provides Protection for Your Belongings

This insurance is also important because it pays for you to replace your belongings if they are ruined in a damaging event. This can save you an enormous amount of money on getting items replaced after a serious incident has happened. 

It Pays for Your Liability

When you have condo insurance, it covers you when you are liable for an accident. If a third party had a serious accident in your home that left them with injuries, your condo insurance would pay for their medical bills so that you wouldn’t have to. 

Cover Your Condo

If you own a condo and don’t have insurance for it, there’s no time to lose. Call us right away at Red Rock Insurance in Las Vegas, NV to get started. 

Four Reasons Why You Absolutely Need Life Insurance Coverage

There are plenty of important reasons why consumers need to invest in life insurance. If you haven’t yet purchased life insurance, you should be aware of the most important reasons why you need this type of insurance coverage. Red Rock Insurance in Las Vegas, NV provides a guide on navigating this important coverage.

Here are four reasons why you need life insurance:

Life insurance makes your family more financially secure

If your family isn’t protected by life insurance coverage, dependents in your family could be left in a desperate situation in the event of unexpected death in the family. Having life insurance is one of the best ways to make sure that your family will have the funds it needs even if the family breadwinner passes away unexpectedly. 

Life insurance gives you peace of mind

It’s stressful to not enjoy life insurance coverage that would cover expenses and ensure that family members can maintain their lifestyle even if a primary earner passes away. With adequate life insurance coverage, family members can rest assured that financial needs will be met in the future. Life insurance coverage, therefore, reduces stress and provides family members with peace of mind. 

Life insurance policies can accumulate cash value

Not only does life insurance offer a death benefit payment that helps support a family financially, but it can also be a good option for families looking to accumulate savings. Whole life insurance policies and numerous other types of life insurance policies accumulate cash value over time so that they help families build wealth. 

You never know what the future holds

Unfortunately, bad things can happen. It’s impossible to predict surprise events and tragedies in a family like an unexpected death. Life insurance helps prepare families for the unexpected. 

Give Us A Call

At Red Rock Insurance, we can help you find the right life insurance solutions for your family in Las Vegas, NV. Get in touch with us to learn more about our life insurance offerings. 

When is it a good idea to get an auto insurance plan in Las Vegas?

Owning a car is quite common for those in the Las Vegas, NV area. When you are a vehicle owner, you will be able to get around the entire community much more efficiently. As you are looking for a new car, you should also carefully evaluate all of your insurance needs.

Red Rock Insurance provides this guide on the various situations when having this coverage will be a good idea.  

Getting An Auto Insurance Plan: What You Need To Know

When Driving on a Public Road

One of the situations to have an auto insurance plan is when you are looking to drive on a public road. There is always a chance that you could cause an accident when driving. If this occurs, you will have to cover damages. In the state of Nevada, all drivers are required to carry liability insurance as it helps to ensure that drivers will be able to cover damage that may be caused.

When Financing a Car

It is also a good idea to have an auto insurance plan if you intend to finance the purchase of a car. As cars can be quite expensive, taking out a loan is often a good way to complete the purchase of a vehicle. If you are going to take out an auto loan, you also need to get an auto insurance plan with full coverage to comply with provisions likely set by your lender.

Contact Us Today

When you want to shop for a new auto insurance plan in the Las Vegas, NV area, it would be a good idea for you to speak with the team at Red Rock Insurance. There are a lot of choices to make when looking for coverage and Red Rock Insurance offers any guidance necessary to select the right policy to adequately protect you. 

Is Your Small Business Properly Insured? 5 Things to Check

As a small business owner, you know that there are a million things to keep track of. From your inventory to your website, it’s easy to let things slip through the cracks. But one thing you can’t afford to neglect is your insurance coverage. Ensuring your business is properly insured is essential to protecting your assets and safeguarding your livelihood. But with so many different types of insurance out there, it can be tough to know where to start. To help you get started, Red Rock Insurance in Las Vegas, NV offers this guide.

Here are five things to check when assessing your small business’s insurance needs

1. Physical Assets

The first thing you’ll want to do is take inventory of your physical assets. This includes everything from buildings and equipment to inventory and furniture. Once you have a list of your assets, you can start shopping around for the right insurance coverage.

2. Possibility of Business Interruption

No business is immune to the possibility of interruption. Whether it’s a natural disaster, a power outage, or simply a slow season, your business could be affected. That’s why it’s important to have insurance that covers business interruption. This type of coverage can help you make up for lost revenue and expenses incurred while your business is unable to operate.

3. Risk of Liability

As a business owner, you’re also responsible for the safety of your employees and customers. If someone is injured on your property or due to your products or services, you could be held liable. That’s why it’s important to have liability insurance in place. This type of coverage can help you cover the costs of legal defense and any damages that may be awarded to the injured party.

4. Data and Cybersecurity

In today’s digital world, data and cybersecurity are more important than ever. If your business stores customer data or confidential information, you could be at risk of a cyberattack. That’s why it’s important to have insurance that covers data breaches and cybercrime. This type of coverage can help you cover the costs of recovery, including the cost of Notifying your customers and restoring their data.

5. Employee Benefits

Last but not least, don’t forget to insure your most important asset: your employees. Offering health insurance and other benefits can help you attract and retain top talent. If one of your employees is injured or becomes ill, you’ll be glad you have worker’s compensation insurance in place.

If you’re a small business owner, it’s important to ensure your business is properly insured. Red Rock Insurance can help. We’re a leading provider of small business insurance in Las Vegas, NV and surrounding areas. Contact us today for a free quote.

When should you review your home insurance policy?

Home insurance is something that should grow and change as your home changes and your life and needs change. Most home insurance renews yearly and you will get a new copy of the policy about a month before your renewal. This is the perfect time for a yearly review. At Red Rock Insurance in Las Vegas, NV, we are independent insurance agents, this allows us to offer our customers more choices when it comes to carriers.  

When should you review your home insurance policy?

Whether you get a paper copy of your insurance policy or a digital copy, the front page is the declaration page. This one page gives you an overview of all the coverage you have on your home. It will give you the property value, which is the amount the carrier will pay to rebuild your home. That is the first figure you need to look at. Does it make sense with what you know about construction costs in your area?

The amount allowed for outbuildings and content is usually based on this figure. It is a percentage. If you have expensive items in your home, you may need to have an endorsement to cover them. There are quite a few different endorsements you can purchase to give your home additional coverage beyond the basics of your policy. 

If you have made major renovations or upgrades to your home, you may want to discuss that with your agent; it affects the amount of coverage you need. Let your agent know if you have added safety equipment like wired smoke detectors or an alarm system. 

The liability coverage is what protects you from legal action against you. If your assets have increased significantly, you should also discuss the amount of liability coverage you have with your agent and perhaps consider an umbrella policy. 

Contact Red Rock Insurance in Las Vegas, NV if you want to review your home insurance policy. 


RV Insurance Facts

An RV is a great way to travel and spend time with family and friends. To make the most of your RV ownership, you need to have proper insurance in place. At Red Rock Insurance, serving Las Vegas, NV and the surrounding areas, we can help you better understand your insurance options. Keep reading to learn more.

Is Auto Insurance Good Enough For My RV?

You can use an auto policy to operate your RV legally in some cases. However, you should be aware that an auto policy may not be sufficient if you are traveling long-term in your RV or have decided to live in your RV. 

If you are living or traveling long-term, you will want an insurance policy that covers the vehicle and your personal belongings. A regular auto policy will not accomplish this. 

How Much Coverage Do I Need?

The amount of coverage you will need will depend upon the type of RV you have, any improvements you may have made to the vehicle, and the value of your personal belongings housed in the RV with you. 

The best way to navigate these details is to sit down with an insurance agent. They are trained on collecting this information and using it to create an insurance policy that meets your particular needs. You will need to inform the insurance agent about any personal belonging that you want to be included in the value. 

If you would like to learn more about our services, or if you require insurance coverage, please contact us at Red Rock Insurance serving Las Vegas, NV and the surrounding areas. We will be happy to answer your questions and help you find the right policy for your needs. 

What is Classic Car Insurance?

For many, a classic car means antique car shows on the weekends and road trips when the weather is sunny. Given that a classic car is both desirable and collectible, the cost to own, maintain, and restore is often more than your daily driver. Consequently, you want to be confident that you have the right insurance policy on the vehicle. Whereas standard car insurance takes into account depreciation, age, and mileage when determining the value of your vehicle, classic car insurance is a fixed value that is agreed to by all parties. 

Classic car insurance is similar to traditional auto insurance in that it offers the same coverage for collision, comprehensive, property damage, and bodily injury liability. Not only does classic car insurance cover the vehicle for an amount that’s agreed to by the owner and insurer with the option to increase it over time, but also it can help cover the cost of specialized repairs or restoration if the vehicle is damaged. 

When determining if a vehicle qualifies for classic car insurance, insurers start by looking at its age. Typically, a vehicle must be at least 25-years old to qualify. Additionally, classic car owners will need to agree to stringent requirements to maintain their classic car insurance that includes mileage limitations, storage requirements, and agree that the vehicle will not be driven daily. If you plan to take the vehicle to car shows and auto club events are sure to verify with your insurance provider that this is allowed as you may need to purchase additional coverage. 

Red Rock Insurance in Las Vegas, NV is your local source for classic car insurance. Give us a call or stop by our office to learn more about our insurance offerings. 

Renters Insurance Guide

Red Rock Insurance serves the Las Vegas, NV community. We strive to help our clients obtain custom policies designed to navigate their unique risks. We offer multiple types of coverage to help our clients protect their assets. We are committed to serving the local community with honesty and integrity.

Renters Insurance Guide

If you are staying in a luxury Las Vegas, NV rental property, you need coverage. While your landlord is responsible if something happens to the building, they do not cover your personal items inside the building. That’s why renters insurance is an asset. Renters insurance covers your personal items if they are damaged or if you are a victim of theft. Take inventory of your personal items once you move in. Taking inventory is beneficial because it gives you an accurate assessment of how valuable your items are, and it makes things run smoothly if your items need to be replaced or repaired. If you have luxury items at your condo, you will have to amend your policy in order to fully cover everything. Adding extra coverage is the only way to fully cover your luxury possessions if they are stolen or vandalized.

Liability coverage is important. Liability coverage protects you if an invited guest suffers an injury while visiting your property. One minor slip could cause a broken leg or a sprained knee. Liability coverage will handle the injured party’s medical treatment. Liability coverage also protects you if you accidentally damage your neighbor’s property. Perhaps you are cooking, and you accidentally start a fire that spreads to your neighbor’s unit. Liability coverage will protect you in this situation.

Red Rock Insurance Will Help You Cover Your Assets

Visit our website to learn more information about renters insurance.  

What Should You Know About Motorcycle Insurance?

Motorcycle insurance is the type of insurance that covers a motorcyclist and motorcycle in the event of a road accident or theft. Therefore, if you are a motorcycle owner, you should consider getting this type of insurance to protect your precious possession and yourself. Here is what you need to know and take into consideration if you are shopping for motorcycle insurance. 

What Does Standard Motorcycle Insurance Cover?

A standard policy covers a certain portion of the costs associated with the damage to a motorcycle. It will also provide compensation if a motorcycle owner causes harm to another person or their property, or if there are any legal fees that a motorcyclist has to pay. 

What Is Not Covered By Standard Motorcycle Insurance? 

Many motorcyclists do not know, but their motorcycle insurance will not cover modified motorcycles or motorcycles with custom details.

How Much Does Motorcycle Insurance Cost

There are certain factors that have an impact on the cost of motorcycle insurance. They are the age of a policyholder, driving record, type of coverage, type of the motorcycle (year, engine size, and model), security and safety measures, and some other factors.  

Red Rock Insurance – Insurance Company That You Can Trust

If you live in Las Vegas, NV or any other nearby town or area, and you are searching for insurance to protect your motorcycle, Red Rock Insurance is the company you should contact. Our agents have years of experience and knowledge to help you find a policy you need. Whether you are from Las Vegas, NV or any other nearby area, do not hesitate to contact us – we will get you the best policy. 

Do I Need to Insure My Boat While It’s in Storage?

Boat storage is a common service for boat owners who want to save their vessels from the elements. But what do you need to consider before storing your boat?

It could be the off-season, or your boat might simply need a break from water and waves. Whatever the reason, storing your boat can keep it safe and sound for months (or even years). Before you sign up with a boat storage facility to save yourself some money and winterize your pride and joy, you definitely need to consider insurance for your vessel. Here are a few reasons why boat insurance is important.

1. Protection from Theft and Vandalism

For some boat owners, the thought of storing their vessel is enough to put them at ease. But active boat storage facilities mean lots of workers and visitors – making it an easy target for theft or vandalism. Boat insurance could cover you in the event that your boat is damaged or stolen, but you should make sure to check with your insurance agent first. Insurance for boats may include theft, vandalism, water damage, fire, and even natural disasters.

2. Compensate for Damages

Your boat storage facility should have insurance to cover any damage to your vessel. But accidents happen, and it’s good to be prepared. If the storage facility is not insured or lacks enough coverage, you may need additional protection of your own just in case anything goes wrong with your boat.

3. Avoiding Personal Liability

There are plenty of things that can go wrong while storing your boat, and not all issues will be covered by the storage facility’s insurance. This includes damage caused to other boats or people, as well as injuries. Even if you don’t use your vessel during the storage period, it could still be subject to liability.

Insurance for boats doesn’t have to be complicated or expensive. Our agents from Red Rock Insurance can help you find the right boat insurance in Las Vegas, NV, at an affordable rate today. Get in touch with us today for more information.

Partner Carriers

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