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Red Rock Insurance

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

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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. 

Three things to know about motorcycle insurance

Red Rock Insurance in Las Vegas, NV can offer you the coverage you require to meet your motorcycle insurance coverage needs. Motorcycle owners need to know a few important things about motorcycle coverage to make sure they’re meeting legal requirements and protecting themselves financially.

The following are three things to know about motorcycle insurance:

You need to add on collision and comprehensive coverage for complete coverage of damage to your bike

Motorcycle owners need to be aware of what they’re getting coverage for when they buy a policy. Buying a basic policy will only offer liability coverage. This will leave a motorcyclist having to pay out of pocket for damage to his or her bike.

To get full coverage for damage to your bike, you need to add both collision and comprehensive coverage to your policy. 

Liability coverage for motorcycle owners is required by law

Motorcycle owners in Nevada must purchase liability coverage for their motorcycles. They also must purchase enough liability coverage to meet the state’s requirements. 

In Nevada, motorcyclists must carry at least $25,000 in bodily injury coverage per person and $50,000 in bodily injury coverage per accident. 

Motorcycle insurance can offer coverage for medical payments resulting from an accident

Motorcyclists should know that their coverage won’t only cover the costs of expenses resulting from damage to property and vehicles. Motorcycle insurance coverage also offers coverage up to a certain amount for medical bills resulting from accidents that occur as a result of a motorcycle accident. 

Contact Us Today

Do you have questions about motorcycle insurance in Las Vegas, NV? We can answer all the questions you have and give you a quote on a policy at Red Rock Insurance. 

Three things to know about motorcycle insurance

Red Rock Insurance in Las Vegas, NV can offer you the coverage you require to meet your motorcycle insurance coverage needs. Motorcycle owners need to know a few important things about motorcycle coverage to make sure they’re meeting legal requirements and protecting themselves financially.

The following are three things to know about motorcycle insurance:

You need to add on collision and comprehensive coverage for complete coverage of damage to your bike

Motorcycle owners need to be aware of what they’re getting coverage for when they buy a policy. Buying a basic policy will only offer liability coverage. This will leave a motorcyclist having to pay out of pocket for damage to his or her bike.

To get full coverage for damage to your bike, you need to add both collision and comprehensive coverage to your policy. 

Liability coverage for motorcycle owners is required by law

Motorcycle owners in Nevada must purchase liability coverage for their motorcycles. They also must purchase enough liability coverage to meet the state’s requirements. 

In Nevada, motorcyclists must carry at least $25,000 in bodily injury coverage per person and $50,000 in bodily injury coverage per accident. 

Motorcycle insurance can offer coverage for medical payments resulting from an accident

Motorcyclists should know that their coverage won’t only cover the costs of expenses resulting from damage to property and vehicles. Motorcycle insurance coverage also offers coverage up to a certain amount for medical bills resulting from accidents that occur as a result of a motorcycle accident. 

Contact Us Today

Do you have questions about motorcycle insurance in Las Vegas, NV? We can answer all the questions you have and give you a quote on a policy at Red Rock Insurance. 

5 Facts about boat insurance

Owning a boat is a lot of fun. But it’s also an investment. Boat insurance keeps both safe.

Red Rock Insurance can add some peace of mind to your summer plans. Our seasoned agents can build a personalized boat insurance policy that keeps you prepared on the waterways. Yet some boat owners don’t take full advantage of these benefits.

Here are five facts about boat insurance:

Boat insurance can cover any watercraft.

Boat insurance is a specialized policy that applies to all motorized watercraft. Each policy will vary. Yet most plans will shield against damage, destruction, or loss from collision or comprehensive coverage.

But the benefits go much further.

Don’t let its name fool you. Boat insurance doesn’t just cover boats. These policies protect those onboard too. Boat insurance shields you, your family, and your guests. This is achieved through liability, specifically bodily injury and property damage coverage.

Boat insurance isn’t required in Las Vegas, NV

Like most other states, boat insurance isn’t mandated in Nevada. But it’s encouraged. The pros of having boat insurance far outweigh the risks of going without it.

Boats aren’t likely covered by other plans.

Homeowners policies can offer some coverage, yet these are often limited. Don’t assume you’re safe. In reality, a dedicated boat insurance plan is the only way to ensure protection.

Boat insurance isn’t seasonal.

Boat insurance isn’t just a summer expense. Accidents and disasters can happen all year, even in storage. Don’t fall into this trap by letting your policy lapse in the winter.

Contact Us Today

Red Rock Insurance in Las Vegas, NV wants to ensure your summer plans stay afloat. With a dedicated boat insurance policy, you can cruise the waterways safely and securely. Schedule an appointment today.

The Benefits of Having an Umbrella Insurance Policy for Small Businesses

Many small business owners in Las Vegas, NV are under the impression that their business is too small to need an umbrella insurance policy. However, this couldn’t be further from the truth. In reality, small businesses are often the ones who need umbrella insurance the most. At Red Rock Insurance, we understand the unique needs of small businesses and we’re here to help you get the coverage you need to protect your business from any potential liability.

Here are just a few of the benefits of having umbrella insurance for your small business:

What is Umbrella Insurance? 

This policy is a type of liability insurance that provides coverage over and above the limits of your other policies, such as homeowners and auto insurance. Umbrella insurance also covers claims that other policies exclude, such as slander, false arrest, and libel.

Why Do Small Businesses Need Umbrella Insurance? 

Small businesses are often targets of lawsuits because they usually don’t have the deep pockets that large corporations do. This means that if your small business is sued, you could end up losing everything — your home, your savings, and your livelihood. Umbrella insurance can provide you with the financial protection you need in case of a lawsuit.

How Much Does Umbrella Insurance Cost?

The cost of umbrella insurance depends on a number of factors, including the size of your business, the type of business you have, your claims history, and the amount of coverage you need. However, umbrella insurance is relatively affordable, especially when you consider the peace of mind it can provide.

Get Umbrella Insurance for Your Business Today

As a small business owner, you can’t afford to take chances when it comes to protecting your business. An umbrella insurance policy from Red Rock Insurance in Las Vegas, NV can give you the peace of mind you need to know that you and your business are protected from any excessive claim. Contact us today to learn more about our umbrella insurance policies.

Partner Carriers


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