How Does Renters Insurance Protect Me?

Renters insurance is designed for those who may not own their own property in Las Vegas, NV, but who still want to protect themselves from unnecessary expenses. If the physical structure of your home is damaged, it’s not your responsibility to make the repairs. However, your landlord is not responsible for any of your belongings.

Your landlord is also not responsible for certain liability claims that may be filed against you. Everett Insurance Group wants everyone to know the risks of foregoing renters insurance and the rewards of having it. Consider the following before you dismiss its importance. 

You Own More Than You Think 

Many renters don’t consider what it would really mean to replace some of the most expensive items in their apartment. From a laptop to a diamond necklace, stolen or damaged property can add up quickly. One thing renters can do is make a list of their property and consider what they would have to do if they lost it. Those with Ikea furniture and thrift-store clothes may not mind replacing everything, but most people will realize that their things more valuable than they first thought. 

You Protect Yourself from Liability Claims 

If a guest breaks their leg at a party you throw because another guest spilled a drink and it was never cleaned up, you can technically be held liable for that person’s injuries. Renters insurance can protect you from liability claims so you don’t have to be dragged into a serious lawsuit. 

The right renter’s insurance policy can assist you with any number of potential issues. Everett Insurance Group is here to help those in Las Vegas, NV get the coverage they need. If you want to learn more about how renters insurance can benefit you, give us a call today to learn more. 

I Lent My RV – Is My Pal Covered?

We Love Using Our Recreational Vehicles in Las Vegas, NV. We live here too. The agents at Everett Insurance Group are encouraged to help people learn about and acquire the very best recreational vehicle insurance policy that they can get. You are generous, you let your friend and his family use your RV for the week. You weren’t using it so you figured why not? – right? Find out a few things about your pal. He owes you big time and should be forthcoming with the information that may help both of you.

Is He Covered?

The answer is not a simple one. Yes, your RV is covered for theft no matter who is in possession of it. It is a much different situation when it comes to liability if something like an accident happens. 

Speak With An Agent

Make certain your RV is protected in the event your friend borrows it. Your agent will be able to give you priceless information that will be worth more before any problems occur.  Your friends driving record will be critical information for your insurance agent. If your friend has infractions or a horrific driving record, it’s possible that the insurance will not cover any liabilities that may occur while your friend is in possession of the RV.  If you lend your recreational vehicle frequently you may want to write that into your policy. Your agent will work with you to ensure that you are protected in how you use you specifically use your vehicle. 

Contact Us Today

Everett Insurance Group, serving the Las Vegas, NV area as well as all of Nevada, California, Colorado and Oregon, we strive to assist our clients in every way possible. In addition to RV insurance, we also offer automobile, home, life, condo, classic car, renters, boat/watercraft,  and commercial insurance products. 

Motorcycle Insurance For A Rental Fleet

Motorcycle rental is a big deal in Las Vegas, NV because lots of people enjoy exploring the desert. If you plan on renting these fleet vehicles soon, you should contact us at Everett Insurance Group to learn more about how these coverage policies help you. 

Liability Requirements Protect You 

When you rent motorcycles out to riders, you are liable for their health if the motorcycle malfunctions and you are to blame. For example, you are not responsible if they drive poorly and crash but will be if an easy-to-fix problem affected the motorcycle and which you should have caught. 

Rental fleet insurance for motorcycles will protect you by paying for any liability issues that you experience. This benefit is huge and will often spread to include various other factors of your fleet, including mistakes in repairs made by your repair and maintenance crew. 

Damage Collision Protects Everyone 

Although you won’t be liable for any accidents your customers cause off your property, you may be responsible for on-property accidents. For example, you may be moving a motorcycle from one side of the lot to the other and get in an accident that damages the bike.

This type of physical damage is often covered in many kinds of rental fleet policies. And it also usually covers any damage caused by your customers while they are on your property or even while they are off. Talk to your provider to find a policy that works for your unique needs and rental requirements. 

Get Help From Experts 

So if you live in or near Las Vegas, NV and plan on renting a lot of motorcycles this year, please contact us at Everett Insurance Group to learn more and to get the coverage that you need to be safe.

Insurance for Classic Car Owners

The community of Las Vegas, NV is often displaying classic cars and car shows that are appreciated by many people visiting the area. Tourists and fans of classic cars can enjoy the restored classic cars and the all original “stock” cars from the classic eras. Classic car ownership is one of the most thrilling for car enthusiasts, hobbyists, and professionals in the industry. Understanding insurance is smart for planning with classic cars. The parts industry with classic cars also includes large numbers of companies involved with restorations and reconditioning of the stock items. Chrome detailing is part of the industry with supplies and services available for car owners.

Classic Car Restorations

One of the providers for classic car insurance is Everett Insurance Group. Serving Las Vegas, NV, the experienced company can help you prepare for your insurance coverage.   The car restorations are also something to discuss. Insurance for classic cars is nicer as you understand the simpleness of the process.  The valuation of a classic car is something to determine and really important for the conversation with the insurance company. Improving the vehicle with restoration can be an enjoyable process for car owners and the Internet has helped with a simpler process for finding parts and supplies.

Insurance for Classics

Parts are often valuable with a rare classic car and many of the larger cars had impressive amounts of chrome and interior items that are sought after by those restoring their vehicles. Classic cars with the stock parts could be considered as rare and valuable in the industry.  Insuring classic cars is easier and the industry support of valuable collector vehicles is helping the vehicle owners. Insurance talks with an experienced company such as Everett Insurance Group can be part of your smart planning. 

Will My Recreational Insurance Cover a Passenger if They Are Injured While Riding My ATV?

At Everett Insurance Group, the residents of Las Vegas, NV can get all of the answers they need when it comes to ATV and recreational vehicle insurance. Everyone loves to have fun riding the trails, but it’s important to be fully protected from financial loss if an accident occurs and a passenger or spectator is injured.

Liability Insurance

Having liability insurance is an essential part of operating your ATV. Your ATV insurance not only pays for damages to your ATV, but the liability insurance protects you from extensive financial loss if a spectator or passenger on your ATV or other recreational vehicle is injured while the machine is in operation. Medical care can be costly. Having liability insurance will ensure that the injured person is able to receive the care they need.

Proper Gear

Before allowing anyone to ride on your ATV, make sure they are wearing the proper gear. This includes a DOT approved helmet, gloves, long pants, and boots. Wearing the right clothing and a proper helmet will do wonders for protecting against injuries if an accident occurs. As the owner of the ATV, it is your responsibility to make sure all passengers have the appropriate gear before engaging the vehicle.

In Las Vegas NV, the agents at Everett Insurance Group are always ready to answer any questions you may have concerning ATV insurance and what your responsibilities are as an owner/operator. Always make sure you have the insurance coverage you need before setting out on an adventure. Call and schedule an appointment today to find out if you are fully covered by your existing policy!

 

Will Renters Insurance Protect You?

Renters insurance is for many people. Whether you are renting a townhouse, single-family home, or an apartment, you should consider purchasing renters insurance. Many people believe that their landlord will have enough insurance to cover any losses that may happen, but this is simply not true. At the Everett Insurance Group in Las Vegas, NV, you can speak with one of the qualified independent agents that can help you if you are a renter.

What is Renters Insurance?

Renters insurance is coverage that is available to protect renters from damages to their property which is not protected by landlord insurance. A landlord would have insurance that covers damages that could occur to the property that they are renting. This includes the building or any appliances that were part of the original rental agreement. Items that belong to you, such as clothes, televisions, or small appliances would not be covered without your own renter’s insurance.

What Will Renters Insurance Protect?

  • Personal Property – any of your property can be repaired or replaced up to your policy limits. This could include furniture, clothing, or electronics.

  • Liability – is coverage that provides protection for you if you are at fault. If you are responsible or cause injury to another person or their property. This could include large medical bills or property damage.

  • Living Expenses – if your home is damaged and you are unable to live there until repairs are made, renters insurance could pay for you to stay in a hotel until you’re able to move back in.

The independent agents in Las Vegas, NV at the Everett Insurance Group are available to help you navigate a renters insurance policy before you sign a lease. You should also consider reaching out to them if you are interested in purchasing homeowners, auto, or commercial insurance too.

RV insurance skyrocketing in demand within Las Vegas market

If you own an RV, then you know that vacation liability, in today’s times, has no longer remained a mere commodity. It is now an essential need, just as regular insurance is on your car or home. It’s a "must have," and nothing less, at that. And here’s why:

If you primarily live within your RV, for instance, $500,000 CSL will be the minimum amount of coverage you’ll be expected to retain while continuing to live in Las Vegas, NV. This helps cover for any kind of emergency or other ongoing premium need you may face, and in the city of money and pleasure, as some call it, you’ll be wise to have even more coverage than that. As Las Vegas’s overall population and consumer attractability further grows, drawing in more commerce and residents from outside, its main premiums on "luxury assets" like RV’s will only continue to soar. More mainstream types of insurance essentials tend to remain in place or not change too drastically. Yet those who can afford the Vegas lifestyle, and are more affluent than the crowd, don’t mind the major premiums.

Also consider getting $50,000 in medical RV coverage, which is a very low number. It’s the "bare bones minimum" you need to have, legally speaking, though more is always recommended due to traffic and parking shortages, the rise of crime in the city, and even the skyrocketing cost of living rates. In addition, it would not be unwise to procure a minimum of $5,000 to cover a storage unit and asset protection charges. Theft, natural disasters, and more are generally covered here. And also, if you’re the policy holder, get $100,000+ in collision coverage, too.

Need some insurance for your RV? Everett Insurance Group loves Las Vegas, NV. Call us for more information and a quote.

Nevada Motorcycle Insurance Laws

Driving a motorcycle is popular in Nevada with about one in every 39 people owning a bike. That’s almost 70,000 motorcycles on the road, and the number only goes up when we take into consideration all of the visitors Nevada gets from other states! If you are in the Las Vegas, NV area and own or lease a motorcycle, it’s crucial that you have a good policy that can keep you protected (after all, this is the most populous area in the state, and it’s one of the busiest in the nation). Not sure what the Nevada motorcycle insurance laws are though? Don’t worry– the experts at Everett Insurance Group are here to help.

Motorcycle insurance laws vary by state, and the truth is that in Nevada, they are quite strict. It is mandatory for all motorcycle drivers to have liability insurance, just as it is with auto drivers. The minimum coverage limits are $15,000 in bodily injury per person, $10,000 in property damage per accident, and $30,000 bodily injury per accident. It is also worth noting that Nevada does have a helmet law, requiring all motorcyclists to wear one while riding. While this does not directly affect your insurance policy, it is just one more thing that will help keep you safe out there on the road.

Now, while the coverage amounts above are the legal requirements, it is important to point out that these are just the bare minimum requirements. In many cases, it is wiser to purchases higher coverage amounts based on how much you ride and where among other things.

When you’re ready, give us a call or shoot us a message to learn more about what kind of motorcycle insurance policy you need and the options available to you. The Everett Insurance Group is a locally owned and operated insurance broker in Las Vegas, NV, but we are proud to serve clients throughout the region. We look forward to getting to know you and your bike!

What is typically not covered by boat insurance policies?

Taking your boat out for a nice day during a vacation in Las Vegas, NV may make you forget about everything that can go wrong. While you may have peace of mind with your insurance package, you must be mindful that everything is not covered. If you are looking for a suitable insurance plan, consider checking out what Everett Insurance Group has to offer.

When Your Boat is Not In Use

When you put your boat into storage on your property, it may likely be out of reach of your insurance policy. Instead, it may be covered by an extension of your homeowner’s insurance. An umbrella policy may also be needed for extended coverage away from the water. Boat insurance plans may also have specified periods of coverage for the months that you are not using the boat.

Personal Possessions

Expensive items that you or passengers take onto your boat are likely not covered. Of course, there is always variance to this, and it may be optionally added to comprehensive coverage. There may also be limits to types of items covered or value limits if you use an add-on policy.

Internal Machinery

Some insurance policies may specifically exclude covering damage to internal components (like engines). This should be carefully reviewed and discussed with your insurance policy if this is a concern.

Intentional Damage

If you intentionally cause damage to your own boat or others, you can bet that it won’t be covered. In fact, you may also have other legal issues on hand if this occurs.

Contact us

Once you get everything sorted out for your boat insurance policy in Las Vegas, NV, you may finally enjoy your boat trip in peace. If you are shopping around for the perfect plan, consider consulting with the experts of Everett Insurance Group.

Learn About Umbrella Insurance

Umbrella insurance is additional liability coverage that protects you from outrageous lawsuits or other costly claims. This type of insurance covers you above and beyond your regular homeowners or auto insurance policies. When you visit the Everett Insurance Group, their independent agents in Las Vegas, NV can help you navigate through the information concerning umbrella insurance.

What is Umbrella Insurance?

Normally, your insurance policies contain their own liability insurance, but these policies have limits. Umbrella insurance begins when these policies limits have been exceeded. For example, if someone falls and is injured on your property because of your negligence, you could be liable for medical expenses and legal fees. If those costs go beyond the limit of your liability insurance, then you would have to pay the amount out-of-pocket if you did not have umbrella coverage.

What Types of Coverages are Available?

  • Bodily injury liability – is used when you are responsible for damages to another person’s body. Such as in an auto accident, a fall in your home, or a dog bite.

  • Property damage liability – covers the cost of damages that you cause to someone else’s property. If you are in a car accident that is deemed to be your fault, you could be liable for the damages to that individual’s vehicle.

  • Other types of liability – includes slander, libel, and false arrest.

Where to Purchase a Policy?

Many accident claims can suddenly grow into an immeasurable expense that goes well beyond your insurance limits. Visit the expert insurance agents in Las Vegas, NV at the Everett Insurance Group when you’re ready to get added protection with an umbrella insurance policy. These independent agents are also available when you need to start a new policy or update your existing auto, commercial, or homeowners insurance.