Nevada is a great place to enjoy motorcycle riding. Beautiful scenery and flat roads make for excellent biking, but as it is in most parts of the country, the freedom of the road offered by riding a motorcycle comes with risk. Most bike accidents in Nevada result in injuries. The law requires basic liability to be carried by everyone who drives any vehicle. In Nevada, the law is 15/30/10. This provides protection to anyone you have an accident with when you are at fault. At Everett Insurance Group in Las Vegas, NV, we know the law, and we also know what additional coverage would be beneficial to you.
But what about you, your passenger, and your bike? You are not required to have that kind of coverage, but just because you are not required, it doesn’t mean that you shouldn’t carry it.
Unless your motorcycle has little or no value, which is unlikely, you will want to get it repaired in the event of an accident. Depending on the type of accident that it was, you may need to have comprehensive insurance (which also covers for theft and vandalism) or collision. In addition to protecting your bike, having uninsured and underinsured motorist coverage and medical protection may also make sense. If you can pay all of these expenses out of the pocket quickly, then maybe you don’t need this additional coverage, but if it would be a hardship, then it is worth considering.
At Everett Insurance Group in Las Vegas, NV, we know the insurance business. Our team has the information that you need to understand what coverage you should carry on your bike. We invite you to stop by our office or give us a call to set up an appointment to discuss the coverage you currently have or the coverage you need if you are new to biking.
Buying your first residential property is exciting! However, it’s important to remember to protect your new asset with adequate insurance coverage. Everett Insurance Group offers homeowner’s insurance for first-time buyers in Las Vegas, NV. Here are some facts we think you should know before signing up for coverage.
Buy multiple policies from the same agent. When you bundle your auto insurance, business policies, life insurance, and homeowner’s coverage with one agency, you can realize significant savings on your overall premium payments.
Know your financial situation before choosing a deductible. Higher deductibles mean lower premium payments. However, if you don’t have enough savings to cover a big emergency, it’s best to opt for a lower deductible plan.
Nevada law does not require you to purchase or maintain an active homeowner’s insurance policy. However, your mortgage lender might. Talk to your lender to ensure your policy contains all the necessary elements to satisfy your loan requirements.
Even if your banking institution doesn’t require coverage, it’s essential to sign up for homeowner’s coverage as soon as possible after the purchase. Very few people are financially equipped to absorb the financial damage that comes with a significant catastrophe to their residential property.
Have your home professionally assessed. Ask the assessor what risks your particular property may be privy to. Take that information to your insurance agent to help build a policy that is specifically suited to your property.
In Nevada, flood protection is always excluded from homeowner’s policies. Talk to your agent to find other solutions, if flooding concerns you.
The experts at Everett Insurance Group are here to guide you through the process of insuring your Las Vegas, NV area home. Contact them to start customizing your property coverage today.
You may live in an area where flooding, earthquakes or hurricanes sometimes wreak devastating havoc. As if natural disasters weren’t nerve-racking enough, having a business compounds the anxiety over possibly losing your home and possessions. Luckily, business interruption service covers you for business losses due to a natural disaster. Everett Insurance Group agents can help you have one less thing to worry about in Las Vegas, NV.
What Is Business Interruption Insurance?
Business interruption, or business income, insurance covers financial losses to your business due to a disaster. This includes disaster-related closing or rebuilding after a disaster.
Business interruption service varies from property insurance, which just covers physical damage to your facility. In contrast, business interruption insurance pays for what you would have earned. The purpose is to your business back in the same standing as before the accident. Like all coverage types, it covers perils listed in your policy, so that’s one area you should clarify and customize to the risks in your area.
How Can You Get Business Interruption Insurance?
You can purchase business interruption insurance through your business property insurance or in a bundled package, such as a BOP, or business owner’s policy. In some areas, you can purchase it as an individual policy. Note that business interruption is considered a subset of a primary policy, which will dictate the covered events.
Contact Everett Insurance Group today regarding all your business insurance needs. Business interruption insurance can help you continue to pay salaries and wages and meet business obligations while you’re rebuilding your livelihood. Make an appointment today to ensure that your Las Vegas, NV company is adequately insured.
Classic cars require special insurance because they are more than a vehicle that takes a person from Point A to Point B. These autos are often refurbished and are worth more as a collector’s item rather than as a means of transportation. Whether you have a furbished classic car or a kit car that you’ve bought or assembled yourself, it’s vital that you get your insurance from an agent that understands the unique factors that come with insuring these vehicles. The team at Everett Insurance Group is proud to serve all of the insurance needs of the residents in the greater Las Vegas, NV area, including the protection of classic cars.
Special Insurance for Classic Cars
There are a lot of factors that are considered when a policy is written for a classic car. For instance, the main concern is how much the vehicle is driven and used. Typically, these cars are driven to car shows or other events and are rarely utilized for everyday uses such as grocery shopping. In addition to the miles driven, the storage situation is another factor. If your car is kept at a temperature-controlled facility that has round-the-clock security, your policy details will differ from someone who keeps their classic car in the garage at home. Owning a classic car is a labor of love and also represents a significant investment in time and money.
If you are a classic car collector or are considering getting into the game, make sure that you talk to an agent who understands these vehicles. Residents in the greater Las Vegas, NV area can rely on the expertise of the team at Everett Insurance Group — give us a call today and find out more about the classic car policy options that are available!
With auto insurance, it is easy to ignore the nuance involved and go for the required minimum per State when it comes to auto insurance. But spending the minimum could come at a cost because the different insurance packages have different coverage and limits spelled out in the terms. We should pay attention to these terms before making an important decision. Our producer, Mike Johnson, breaks down what the coverage and limits of the term are and how auto insurance shoppers can make informed decisions when picking a policy.
Mike starts his conversations with a client or potential client by trying to understand the policy which would best suit them; be it full coverage or liability coverage, he goes ahead to explain the differences. “Often, the clients are unaware of the differences with the coverage types, and so I simplify the language to help them make the right choice.”
As stated earlier, there are two types of Auto Insurance;
full coverage and liability coverage. Each type comes with different tiers and
“Full coverage” is when you get the mandatory liability
coverage which pays for the damage you inflict on other people and property
plus comprehensive and collision. Comprehensive cover takes care of damages to
your car caused by events that are out of your control. It covers things like
theft, vandalism, glass and windshield damage, fire, weather/acts of nature.
Collision, on the other hand, helps pay to repair or replace your car if it’s
damaged in an accident with another vehicle or object, such as a fence, tree or
animal. Ideally, full coverage means you have insurance in the types and
amounts that are appropriate for your income, assets and risk profile. The
point of all types of car insurance is to keep you from being financially setback
by an accident or incident. Making the right choice may be one of the most
crucial decisions you would make in your life.
To explain further, Mike added that “full coverage pays for the damage you do to others, up to your liability limit. It also pays for your car, up to its fair market value, minus your deductible in case of a total loss, if you are at fault or if the car is destroyed by a natural disaster or is stolen.”
Full coverage also pays for your injuries as well as your
passengers’ injuries, if you are at fault, up to the amount of your bodily
injury limits. It also covers these injured people if you are hit by an
uninsured motorist, up to the limits of your uninsured motorist coverage.
Liability coverage, on the other hand, is meant to protect
you from having to pay huge amounts to people in case you are sued for an
accident which was your fault. According to Mike, your policy and coverage
depends on the value of your assets, or what your combined savings and property
bodily injury liability protection and helps to pay for the medical expenses of
the other party if you are found at fault in the accident. In some
circumstances, it may even cover lost wages and/or legal fees if the injured
party files a lawsuit depending on the policy limits.
It also pays for damages to property resulting from a covered accident in which you’re at fault. It covers the other party’s vehicle repair or replacement costs, as well as other property that may have been damaged in the accident, such as fences, structures, phone poles and other types of property.
“Liability insurance is highly dependent on your financial situation and the property being insured, so be wary of generic liability coverage recommendations you might see. The more you own, the more liability insurance you should have.”
For Mike, it is not just about selling policies, it is about making sure the client is getting the best value that fits their specific needs. “Every client is unique, some of them know what they want. Others don’t, and it is up to me to assess their needs and recommend the best policy for them. For us at Everett Insurance Group, the needs of our customers come first!”
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.
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 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.
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.
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.
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.
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!