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Red Rock Insurance

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

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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.

Exploring The Benefits Of Umbrella Insurance

Red Rock Insurance serves the Las Vegas, NV community. We offer our clients flexible policies designed to meet their needs. We work with different carriers throughout the region. We look forward to helping you protect your assets.

Exploring The Benefits Of Umbrella Insurance

Accidents can happen at any time. If things take an unexpected turn, it’s important to have protection. Perhaps you are having a party at your Las Vegas NV residence. Perhaps one of your guests is injured. Maybe they are playing on a trampoline, and they suffer a serious injury. You could face legal action. Perhaps you are enjoying a night out and consume alcohol. Due to being intoxicated, you cause a serious auto accident. Umbrella insurance can prevent you from losing everything in these situations.

Umbrella insurance helps protects your assets by covering you when your liability limits on other policies have been reached. Umbrella insurance is generally used to supplement home and auto insurance liability coverage. While researching policies, assess the total worth of your assets. You want to make sure that you have enough umbrella coverage so that you are never at risk.

If you serve on the Board of Directors of a corporation, you’ll also need to consider adding umbrella insurance if you are facing legal action due to defamation of character, negligence, or slander. If you have a pet, umbrella insurance can also be an asset. Perhaps your pet is having a bad day, and they bite one of your neighbors, causing pain and suffering. Umbrella insurance can protect you by covering your neighbor’s medical treatment.

Red Rock Insurance Can Help You Protect Your Assets

Visit our website to learn more information about umbrella insurance.

Ways Condo Insurance Can Protect You

Similar to homeowners insurance in Las Vegas, NV, condo insurance protects you against damage to your dwelling, personal property, provides liability coverage, and more. However, there is a slight difference in coverage options and how much coverage you need when buying condo insurance. The agents at Red Rock Insurance understand your needs to insure your condominium and can help explain the difference between condo insurance and homeowners insurance. 

Here are some ways condo insurance can protect you: 

Building Property Insurance

Your condo insurance policy covers the interior of your condo, including walls, flooring, cabinets, bath fixtures, and more. These items are protected against damage caused by perils listed in your policy. Some covered risks include lightning strikes, storm damage, water damage from leaky pipes, and wind damage. 

Liability Insurance

Your condo insurance in Las Vegas, NV can protect you against accidental injuries that may happen when you have company over. When someone who does not live in your condo gets injured while in your unit, your liability insurance coverage helps pay for medical expenses and other costs associated with their injury. Your liability insurance coverage also pays for repair or replacement when someone else’s property is damaged by your doing.

Personal Property Insurance

Your condo insurance policy covers your belongings if they are stolen or damaged by a covered event. Property insurance pays for the cost associated with the repair or replacement of your personal property. Items covered include clothing, jewelry, electronics, furniture, artwork, etc. 

If you have questions about why you need condo insurance, reach out to the agents at Red Rock Insurance today. Our experts can help you determine if you need condo insurance and which policy is the best for your needs. 

What Is Accidental Death Insurance?

Accidental death insurance pays your beneficiaries in the event your death is caused by accident. This type of insurance coverage is also referred to as accidental death and dismemberment insurance, or AD&D, and is an alternative to permanent and term life insurance options. Those in Las Vegas, NV, debating between purchasing accidental death insurance or a typical life insurance policy can call our agents at Red Rock Insurance for more details. 

Accidental Death Insurance

Most insurance companies offer accidental death insurance plans to cover those who may have died due to an accident. The beneficiaries are paid a lump sum payout when the death of their loved one is caused by accident. The payout is called a death benefit, and natural causes or illness-related deaths are not covered under this type of insurance plan. 

Do I Need Accidental Death Insurance?

The decision to purchase accidental death insurance is completely up to you. The younger you are, you may take this plan into greater consideration because you may be at risk of becoming injured or killed in a fire, work accident, or auto accident. However, anyone at any age may want to consider accidental death insurance coverage for the same reasons. 

Disadvantage to Accidental Death Insurance

The Centers for Disease Control reports only 5.4 percent of deaths are ruled an accident. Because accidents are rare, the biggest disadvantage is you may never need this form of insurance coverage. 

Benefit to Accidental Death Insurance

The biggest benefit to purchasing an accidental death insurance plan is affordability. Being affordable means that even if you never need the plan, these plans do not cost a lot of money. 

Those living in Las Vegas, NV may want to consider weighing their needs and determine if they need to purchase accidental death insurance. Then, if you still have questions, call our agents at Red Rock Insurance to discuss your options. 

3 Tips for New Drivers

For a new driver, the only thing more exciting than walking out of the DMV with your new driver’s license in your hand is getting behind the wheel as a new, legal, licensed driver. Although you may have been driving with a temporary permit, as a licensed driver you will be in control, there is no need to have a licensed driver with you while driving. It’s important to keep in mind that this is a big step and it may feel a little intimidating, so Red Rock Insurance has put together a few tips for new drivers in Las Vegas, NV.

Avoid Distractions

Talking to passengers, turning the radio up full blast, and trying to eat while driving is only a few of the distractions that can happen while you are driving. Just like an experienced driver, new drivers are also expected to keep their distractions to a minimum to make sure your focus is on your driving and the road.

Don’t Use Your Cell Phone

One of the most common causes of automobile accidents is distracted driving due to cell phone use. Accidents happen quickly, so the few seconds in which you lose focus while talking or texting may result in you being involved in a serious accident. When you are driving, your cell phone should be turned off or use an app that interrupts calls to let callers know that you are driving and will return their call once you safely arrive at your destination.

Don’t Speed

Another common cause of fatal accidents is speeding. For your safety and the safety of others on the road, it is essential that you follow the speed limits. If you are driving the speed limit and other vehicles are passing you, try to remain calm and avoid feeling overwhelming by the vehicles that are passing you, instead focus on the fact that it is more important for you to arrive at your designation safe and without being stopped for speeding.

Patience is essential when driving, so be sure to allow yourself enough time for safe traveling and safe arrival. Remember to always buckle up, be mindful of other drivers on the roadway, and always carry your driver’s license and insurance information with you.

For new drivers in Las Vegas, NV that are interested in learning more information about safe driving or to review their automobile insurance policy should contact Red Rock Insurance.

Partner Carriers

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