Protecting Your RV from Theft and Vandalism: Insurance and Protection Tips

Posted on by admin

Vandalism and theft are not unusual in Las Vegas, NV. Make sure you’re covered if you’re planning on visiting with your RV. Leo Insurance Group can help.

Understanding the Risks

Vegas has high tourist traffic, so you never know who is passing through town. Consider these stats:

  • 40.3 million passing through in March 2023
  • In Clark County, there were over 67,000 cases of property crime
  • Burglary made up 10,000 incidents
  • Motor vehicle theft accounted for over 19,000 crimes

Insurance Coverage for RVs

Comprehensive coverage is your best bet because, with the right policy, it will cover accidents, thefts, and vandalism. Other options include liability and collision. However, the only one that protects from theft or vandalism is comprehensive.

To decide what you need, consider:

  • Coverage limits
  • Deductibles
  • Additional endorsements or riders

If something happens, be sure to file a claim as soon as possible. Document everything and gather all of your evidence to have it ready for your insurance company.

Practical Prevention Tips

It’s always a good idea to stay in an RV park with security. There are many available in the area. Don’t neglect to research your options. Read reviews and ask questions in social forums.

Here are some other ideas to keep your RV safe:

  • High-quality locks
  • Security systems installed
  • GPS tracking
  • Keep valuables out of sight

Now What?

If you want to protect your RV, Leo Insurance Group can help. We know the risks of using an RV in Las Vegas, NV. Our insurance experts are here to answer any questions you might have. Reach out to us to get the answers you need.

Riding with Confidence: Motorcycle Insurance Insights for Las Vegas, NV

Posted on by admin

At Leo Insurance Group, we know how much many Las Vegas, NV, riders love their motorcycles. We want to help motorcyclists improve their riding experience by offering peace of mind, protection in the worst-case scenario, and affordable options that align with Nevada law.

Why Motorcycle Insurance is Important

While insurance is a good idea for a lot of reasons, all registered vehicles in Nevada, including motorcycles, are required by law to have insurance. It would be best to have this insurance before you could ride on any public street. You must have liability insurance with a minimum of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two people, and $20,000 for injury or destruction of property. However, you may want a higher level of coverage if you have greater liability concerns or want added protection beyond what the state mandates.

What Motorcycle Insurance Covers?

The most obvious coverage element is liability because Nevada requires liability coverage, but liability is not the only type of coverage that may be included in a motorcycle policy. Some areas that a policy can cover:

  • Liability insurance for liabilities to another driver or their property
  • Medical payment coverage for your medical expenses
  • Comprehensive coverage to protect from non-collision incidents like natural disasters
  • Personal injury protection for lost expenses, financial damage, and medical bills
  • Underinsured or uninsured insurance for issues related to an accident with an uninsured or underinsured person

Ride Freely with Motorcycle Insurance

If you want to ride freely with confidence and protection, Leo Insurance Group wants to offer riders in the Las Vegas, NV, area the chance to get the level of coverage they need. If you are looking for a motorcycle insurance policy you can trust, you can request a quote. Our expert motorcycle insurance agents will be ready to answer any questions or concerns you may have so that we can help you make the right choice for your motorcycle and your future. You’ll be riding with added ease in no time.

Should You Get Umbrella Insurance?

Posted on by admin

Umbrella insurance is often called catastrophic coverage because it covers high-cost events. Do you need an umbrella policy, or is your current coverage enough? At Leo Insurance Group in Las Vegas, NV, we offer umbrella insurance policies. Let’s take a look at signs you should get an umbrella policy. 

What is Umbrella Insurance? 

Umbrella insurance typically has coverage limits of $1 million up to $10 million. If you are liable for a catastrophic event, like a 10-car pileup, this policy will cover what your standard policy doesn’t. 

You Have Standard Insurance Policies

To qualify for umbrella insurance, you must have standard policies. You can be eligible for umbrella insurance if you have a homeowner’s and auto policy. However, first, you’ll need the maximum coverage limits for your standard policies. 

Your Net Worth Exceeds Your Coverage 

An umbrella policy is designed to protect you from liability that exceeds your current policy limits. You should consider an umbrella policy if you have $1 million in assets but $500,000 in auto insurance liability. 

If you have the means to pay the costs, you are more likely to be sued and have a large judgment against you. 

You Are Concerned About Your Financial Future

What if your net worth doesn’t exceed your current policy limits? You may still need umbrella insurance. If there’s a judgment against you, it can also include future earnings. This means you may be paying the costs long after the event has occurred. 

You Want Peace of Mind  

Umbrella coverage typically picks up where your primary insurance policy stops and covers the difference. However, it also covers things not covered in your standard policy. This can give you peace of mind. 

Umbrella Coverage at Leo Insurance Group

If you need umbrella coverage in Las Vegas, NV, contact us at Leo Insurance Group. Our friendly agents are here to discuss your insurance needs and help you select the best policy. 

Condo Insurance – Optional Coverage Types

Posted on by admin

Learn about some optional coverage types that will protect your condo and the possessions you store inside of it. The additional types of coverage will protect your property from theft, natural disasters, and vandalism.

Replacement Cost Coverage

A standard policy will protect your possessions and factor in their depreciation. Replacement cost coverage provides additional coverage that a standard policy does not. It will pay for the full cost of replacing any stolen or severely damaged belongings.

Vacant or Unoccupied Coverage

If you don’t plan on staying in your condo on a consistent basis, you can benefit from adding vacant or unoccupied coverage to your policy. This type of coverage will protect your condo when you are not present.

If someone breaks in, your coverage will pay for repair costs. If your condo is damaged during a natural weather event, the coverage will pay for renovation costs.

Water Damage Coverage

Water damage coverage will protect your condo if its plumbing system backs up. The coverage will include replacement materials, labor, and other essentials needed to restore the condo to its original state.

Inspection and Assessment

Conduct an inspection and assessment first. An inspection of your condo will help you determine the level of coverage you need, and an assessment of how you use your living space will also help you pinpoint the type of condo insurance you need.

Agent Consultation

Review the optional coverage types that we offer at Leo Insurance Group. Then, contact one of our agents who serve Las Vegas, NV. The insurance agent will add the optional types of coverage to your current condo insurance policy.

What Updates to Make to Your Insurance Before You Renew

Posted on by admin

When you renew your home insurance policy, you may think you can send in a payment or continue the same policy and plan without updates. That is the case, but it does not mean that is what you should do. There are plenty of benefits to updating your policy to ensure it better reflects your individual needs. 

At Leo Insurance Group, we work with clients throughout Las Vegas, NV, and the surrounding areas to ensure their home insurance meets their specific needs. Before you renew, there are a few things to keep in mind.

What to Update on Your Home Insurance This Year

Before you renew your home insurance policy, take a closer look at these recommendations:

  • Do you have enough content coverage? If you purchased anything of significant value in the last year, it may be valuable to upgrade your content coverage. That will make sure you have enough if there is an event like a fire. 
  • Is your policy reflective of today’s home costs and value? The cost to rebuild a home today may be more than it was when you initially established your home insurance policy. Make sure to update your coverage.
  • Did your home living arrangement change? If you added a pet, swimming pool, or other risks to your home, be sure to let your insurance agent know that. 

Home insurance is incredibly valuable when it fits your specific needs. Make sure you read through your coverage to ensure that is the case before you renew.

Let Our Independent Insurance Agent Help You

When you contact Leo Insurance Group about your home insurance in Las Vegas, NV, you will get up-to-date information and pricing to meet your current needs.

Is Your Car A “Classic”?

Posted on by admin

Many of us have a special affinity with our cars. Cars are often referred to as females, and some even name their vehicles. We often customize our cars and make them our own. We may even loosely refer to them as “classic.”

At Leo Insurance Group in Las Vegas, we can insure all kinds of vehicles, including classic cars. But what makes your car a “classic”?

Is Your Car A "Classic"?

Generally speaking, a classic car is one that was manufactured at least 25 years ago.

It may have nothing to do with its value or condition but simply about its age. There can, however, be a wide difference in the value of what is considered a classic car. Factors that can impact the value of a classic car not only include its condition but also its make and model year, engine size, popularity, and rarity. Cars manufactured in small numbers, for example, are frequently worth more than those produced in large numbers. 

If, for example, you have a thirty-year-old car with low miles and in near showroom condition, it will be worth far more than the “book” value. Cars that have been meticulously restored will also have more value than an unrestored one.

This is why working with an insurance company that understands classic cars can be so critical. We can make sure you are protected for the full value of your vehicle and how it is used.

Schedule A Consultation Today

Not all 25-year-old cars are the same. We understand the differences. If you have invested in or have a classic car, contact us.

We are Leo Insurance Group, serving the greater Las Vegas, NV region, and insuring classic cars is just part of what we do. Reach out to us to discuss your vehicle and what coverage may be appropriate for you and your car. We look forward to assisting you.

How Recreational Liability Coverage Protects You and Others

Posted on by admin

In the world of recreational travel and fun, safeguarding you, your friends and family, and people you might meet on your journey is Leo Insurance Group’s top priority. Whether you’re conquering rough terrain on an ATV or embarking on a cross-country RV adventure, having recreational liability coverage is not just a recommendation – it’s essential. In fact, Nevada law requires that any motor vehicle operating on a public street carries proof of minimum liability coverage. 

Protect Your People and Your Property

Unpredictable accidents can lead not only to physical injuries but also to substantial property damage. Accidents involving recreational vehicles are an unfortunate reality, but with proper coverage, you can breathe and enjoy your next adventure.

Recreational activities are likely to involve more than just you. That’s why we emphasize the importance of extending your protection beyond yourself. Our recreational liability coverage at Leo Insurance Group ensures that fellow riders and drivers are included, creating a shield against the unexpected.

Protect Your Next Adventure

As you explore recreational activities, we urge you to make liability coverage a priority. In Las Vegas, NV, where the allure of the outdoors can be irresistible, recreational liability coverage becomes an indispensable resource. Our coverage is designed to offer peace of mind, allowing you to pursue your favorite activities without the underlying worry of unplanned expenses.

Whether you’re searching for new insurance or re-examining your existing policy, don’t underestimate the importance of recreational liability coverage. Here at Leo Insurance Group in Las Vegas, NV, we want to be your ally in navigating the insurance specifics and help you find the right coverage for your needs. Contact us so you can indulge in your passions with the knowledge that you’re protected by the right recreational insurance plan.

RV Insurance and Earthquakes: Are You Protected?

Posted on by admin

At Leo Insurance Group, our team of professionals can help Las Vegas, NV area RV owners get protection for their vehicles that minimizes serious damage problems. But what about wild situations like potential earthquakes? Are you protected? We are here to help you navigate.

Basic Policies Don’t Cover It 

A standard RV insurance policy does not cover earthquakes but only general types of basic damage. That’s a real issue if you plan on leaving Vegas and camping in California or anywhere else near a fault line. Furthermore, Vegas itself gets enough ground shaking to seriously make it unsafe. 

Thankfully, you can add an extra earthquake protection policy as an add-on or endorsement to your current policy. That means it’s an extra purchase and will cost you more money. However, if you plan on camping anywhere near an earthquake zone, you’re going to need this type of protection.

How It Helps 

Earthquake coverage on your RV policy can help protect your vehicle during serious and problematic earthquake situations. For example, it can protect you from damage caused directly to your RV during an earthquake, such as shaking, causing structural problems with the vehicle.

However, this coverage also protects it from earthquake-triggered issues, such as trees falling on your RV, power lines hitting it, and much more. With this protection, your RV (which you likely spent a lot of money to buy) is protected and safe if earthquakes impact you. 

Get Support Today

Our team at Leo Insurance Group can help you get the earthquake coverage necessary for your RV in Las Vegas, NV. We’ll do whatever we can to ensure that you’re fully protected and give you the respectful help needed to ensure your vehicle and keep it safe from various damage risks.

Motorcycle Insurance: Don’t Leave Home Without It

Posted on by admin

If you ride a motorcycle and live in the Las Vegas, NV area, then you undoubtedly appreciate the warmth, climate, beauty, and open roads Nevada offers. The bad news is that there are also millions of other drivers out there who also visit, live, and travel those same roads. That is also why you don’t want to leave home without motorcycle insurance from reliable and trusted providers like the Leo Insurance Group.

According to the NHTSA (National Highway Traffic Safety Administration), there are approximately 80,000 motorcycle accident-related injuries every year. And that doesn’t account for the number of non-injury motorcycle incidents. While none of us ever want to be an accident statistic, we all appreciate insurance if we ever are.

Motorcycle Protection for Las Vegas Bikers

Go ahead and get out there, open up the throttle, and feel the wind in your face and the powerful growl of that engine. Just make sure that you are prepared, just in case. If you own and ride a motorcycle in or around the Las Vegas, NV area, let the friendly professionals at the Leo Insurance Group keep you and your bike protected.

From bodily injury to property damage or medical to collision coverage, riders need the right insurance plans. For all your motorcycle insurance needs, talk to licensed, experienced, and professional agents before hitting the road.

The Las Vegas Motorcycle Insurance Experts

If you are looking for motorcycle insurance in or near Las Vegas, NV or shopping insurance plans, we invite you to talk to our helpful and knowledgeable team at the Leo Insurance Group. For all your insurance questions and motorcycle insurance needs, contact us and ride with the Leo Insurance Group today.

Four details you need to look at on your umbrella insurance policy

Posted on by admin

Umbrella insurance is a great financial product for consumers who are looking for more financial security. At Leo Insurance Group, we provide umbrella insurance to consumers in Las Vegas, NV.

There are numerous details that consumers need to look into when evaluating umbrella insurance.

The following are four details you need to look at on your umbrella insurance policy. 

The amount of coverage you’re getting

Umbrella insurance policies specify the maximum amount of coverage that they can offer. As a general rule, consumers should invest in enough umbrella insurance coverage to cover the full amount of their net worth. 

The coverage requirements that your primary policies must meet

Umbrella insurance policies usually specify a certain amount of coverage that a policyholder’s primary policies need to provide. Make sure that your home, auto, and other insurance policies meet the coverage requirements specified in your umbrella insurance policy. 

The coverage offered for legal defense expenses

Legal costs are one of the most important types of expenses that your umbrella insurance policy needs to cover. That’s because you could face very high legal fees if you are sued.

Make sure you choose an umbrella insurance policy that offers adequate coverage for costs you might face while mounting a legal defense if you face a lawsuit. 

The process for filing a claim

Be sure to do some research on the claims process so that you know what to do if you need to use your umbrella insurance. This will save time and minimize stress down the road. 

Schedule A Consultation Today

If you have questions about umbrella insurance in Las Vegas, NV, get in touch with us at Leo Insurance Group to find the answers you’re looking for. Get started on the path to a secure financial future by contacting us for a policy quote today!