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

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Does Standard Renters Insurance Cover Losses From Bedbugs?

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Standard renters insurance covers a wide range of things, but unfortunately, it doesn’t cover losses from bedbugs or other types of vermin or pests. Standard renters also doesn’t cover your belongings damaged by bedbug infestations. However, a newer comprehensive renters insurance policy offers very limited coverage for bedbug remediation and some contents replacement. At Red Rock Insurance serving Las Vegas, NV, we’re familiar with the type of damage done by unwanted pests and why someone would want insurance coverage. Here’s a look at how to handle damage from bedbugs and more.

Rodent and Pest Damage Isn’t Covered by Renters Insurance

Damage caused by rodents and pests isn’t covered by standard renters insurance due to liability issues. Technically speaking, you’re not the party that’s responsible for bugs and critters getting into your home. Instead, insurers place the blame squarely on the property owner because they’re the ones responsible for maintaining the building.

Why Standard Renters Insurance Doesn’t Cover Bedbug Damage

Landlords have a responsibility to keep their property free from pests and vermin. An infestation happens due to poor maintenance, and insurance is designed to cover unexpected losses. Damage by rodents and bugs is a gradual process, something that’s usually visible long before it becomes a problem. If your property is unusable or otherwise damaged by bedbugs, your landlord is responsible for its replacement. Your landlord may carry insurance that covers damage caused by bedbugs, and you can work with them to make a claim.

Call Us to Learn More About Your Renters Insurance Options

At Red Rock Insurance, we’re here to help you understand what a renters insurance policy will and won’t cover. Even though standard renters insurance doesn’t cover bed bug damage, it does cover a lot of other perils and calamities, like injuries that happen in your home, stolen items from your vehicle, and defamation claims. Call us at our office serving Las Vegas, NV, to speak to an agent. Learn more about how standard and comprehensive renters insurance can protect your belongings and liability.

Does Motorcycle Insurance Cover Personal Injury?

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In many ways, Nevada is a great place to ride a motorcycle. The terrain, scenery and climate are just a few reasons why. However, it’s wise to keep the risks in mind. Most accidents involving motorcycles cause physical injuries. It’s vital to make sure you have the right insurance that covers personal injuries resulting from a crash.

Are Injuries Covered by Motorcycle Insurance?

The answer depends on who is injured and who is responsible or "at fault" for the crash that causes the injury. Insurance coverage is different for riders, passengers, other drivers and pedestrians. One important factor is that Nevada is an at-fault state, meaning that motorists who cause accidents need to compensate the victims for their resulting injuries. If someone else causes a crash that injures you, their insurance should cover your medical treatment. If you cause a crash that injures other people, your insurance should cover their injuries. But if you’re at fault for an accident that injures you and your passengers, you won’t be covered. You’d need special insurance for that.

Types of Motorcycle Insurance

Nevada requires both motorcycle and car drivers to have basic liability insurance. It compensates for damage and injuries that you cause, but basic liability doesn’t cover your own medical treatment. Consequently, it’s important to understand that you will not receive medical reimbursement for your passengers’ or your own medical costs if you’re at fault for an accident and you only have liability coverage.

In Las Vegas, NV, motorcyclists have the option to sign up for medical payment insurance, also known as a "MedPay" policy. It covers injuries suffered by motorcycle riders and their passengers, regardless of who is at fault for a crash. Keep in mind that MedPay covers medical treatment for you and your passengers, not for other drivers involved in an accident.

Red Rock Insurance is an independent agency that serves motorcyclists throughout the Las Vegas, NV area. We can also insure any other autos you may own, including classic cars and recreational vehicles. Our highly skilled agents will help you choose the right policy, depending on the specific motorcycle you ride and how you plan to use it. Call 702-733-0330 to contact Red Rock Insurance for a quote.

Do You Need Special Boat Insurance To Go in the Ocean?

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Taking your boat into the ocean is the break you need from the daily stress of life. There’s nothing more soothing than floating along open water with gorgeous sunsets and a gentle breeze. Unless, of course, you find yourself stranded and realize you don’t have insurance coverage.

Learn about boat/watercraft insurance before you hit the water. 

Expanded Geographical Boundaries

Some insurance policies specifically state how far you can go in your boat and still have coverage. Companies may not provide assistance or services, such as fuel delivery, beyond those boundaries. Ask an agent at Red Rock Insurance if you’ll still have coverage in the ocean before you leave the Las Vegas, NV, area. 

International Coverage

Most boat/watercraft policies are designed to cover you in American waters. Some may extend to waters near Canada or Mexico that are still close to American soil. Once you hit international waters, you need international coverage. This is the same type of policy that cruise ships carry to ensure they’re covered in various waters. 

Additional Coverage

Many boat owners require additional coverage before venturing into the ocean, as the risk of an incident is significantly higher. For example, you don’t have to worry about piracy on an American lake. You may also need higher liability limits. If there’s an accident, it will cost more to save you from the ocean, and your insurance policy needs to provide enough coverage for the bill. 

Here at Red Rock Insurance, we understand that you may need different types of coverage for different trips. Our agents will explain your policy so you know what it covers and what you need to add. Contact us to learn more. We’re currently serving the Las Vegas, NV, area. 

Insurance for the Place Renters Call Home

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Typically, renters are more likely to move than homeowners. Fortunately, the benefits of renters insurance ensure that wherever you call home, your belongings are protected. That’s why so many renters in the Las Vegas, NV, area turn to the trusted team at Red Rock Insurance for all their renter’s insurance questions and concerns.

Insurance for Renters’ Homes

Las Vegas, Nevada, is home to many frequent travelers and people on the move, which explains why many people in and around the Las Vegas area rent their homes. Unfortunately, for renters, if a fire or catastrophic event destroys their home, there is no help or recourse without renters insurance. Most property owners and managers have insurance for the structures and buildings they rent, but that doesn’t help renters.

That’s why working with knowledgeable and professional agents who can help you address your renter’s insurance needs is a good idea. Renters insurance provides protection for the things that make your residence a home.

Renters Insurance Solutions for Las Vegas, NV Area Renters

If you live in or around the Las Vegas area, rent your home, and would like to learn more about renters insurance or how it could help protect your valuables, we can help. Contact us for more information and schedule an appointment with our friendly and helpful team today at Red Rock Insurance for the renter’s insurance solutions you need and deserve.

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