Ways To Protect Your Plumbing System From Freezing Temperatures

Posted on November 28, 2025November 19, 2025 by admin

Even in warmer climates, unexpected cold snaps can wreak havoc on your home’s plumbing system. Frozen pipes don’t just disrupt your daily routine; they can burst and cause thousands of dollars in water damage. While homeowners insurance typically covers sudden pipe bursts, prevention is always better than dealing with cleanup and claims. Leo Insurance Group, serving Las Vegas, NV, understands that protecting your plumbing system requires proactive steps before freezing weather strikes.

Insulate Exposed Pipes and Vulnerable Areas

Start by identifying pipes in unheated areas, like your garage, basement, crawl space, and exterior walls. Wrap these pipes with foam insulation sleeves or heating tape designed for plumbing applications. Pay special attention to pipes near exterior doors, windows, or vents where cold air can penetrate. Remember to drain outdoor spigots and hoses, which are often the first to freeze.

Maintain Proper Water Flow and Temperature

During cold spells, let faucets drip slightly to keep water moving through the pipes. Moving water is much less likely to freeze than stagnant water. Open cabinet doors under sinks to allow warm air to circulate around pipes. Set your thermostat to maintain consistent temperatures, even when you’re away from home. The cost of extra heating is minimal compared to the potential pipe damage.

Take Preventive Action Before Cold Weather

Disconnect and drain garden hoses before winter arrives. Shut off water supplies to outdoor fixtures and drain any remaining water from the lines. Consider installing pipe insulation as a permanent solution in vulnerable areas.

Protecting your plumbing system from freezing temperatures saves money and prevents headaches. For comprehensive coverage when prevention isn’t enough, contact Leo Insurance Group, serving Las Vegas, NV, to review your homeowners insurance policy.

Seasonal Storage Recommendations and Coverage Considerations for Your Classic Car

Posted on October 31, 2025October 16, 2025 by admin

For most classic car owners, putting a prized vehicle into storage isn’t just about parking it; it’s about preserving it for yourself, your family, or even for future generations who will appreciate the care you took. Whether you’re tucking away a classic convertible or a meticulously restored muscle car from your misspent youth, a little preparation can make all the difference. That includes getting the right coverage through Leo Insurance Group, serving Las Vegas, NV.

Getting the Car Ready

Start with a deep clean, inside and out, to prevent dust and residues from etching into paint or chrome. Waxing the exterior adds an extra layer of protection. Change the oil, top off fluids, and fill the gas tank with a stabilizer to keep the fuel from breaking down. Inflate the tires slightly above normal to prevent flat spots. And if the car will sit for months, consider placing it on jack stands to relieve pressure altogether.

Finding the Right Environment

Nevada’s desert climate can be brutal on vintage cars. A climate-controlled garage or specialized storage facility helps maintain consistent temperature and humidity, protecting seals, upholstery, and wiring. Avoid plastic car covers; they trap moisture. Instead, choose a breathable fabric that lets air circulate. Seal up any gaps where rodents or insects might sneak in, and disconnect the battery to avoid corrosion or electrical drain.

Understanding Coverage Needs

Insurance deserves just as much attention as the car itself. Standard auto insurance often doesn’t cover long-term storage or limited use. Ask your agent about classic or collector car insurance. It’s built for vehicles that spend more time being admired than driven. Confirm that your policy covers fires, theft, and weather-related damage while the car is off the road.

Storing a classic isn’t about hiding it; it’s about protecting a piece of history. With the right preparation and coverage, your car will stay as timeless as the day you parked it, ready to roar back to life when the next open road calls.

If you have questions, contact one of our experienced agents at Leo Insurance Group. We’re currently serving Las Vegas, NV.

Why Las Vegas Explorers Need Recreational Insurance to Protect RVs and ATVs

Posted on September 30, 2025September 21, 2025 by admin

Las Vegas is not only famous for its world-class entertainment and luxurious hotels, but it also serves as a hidden gem for outdoor adventure enthusiasts. This guide is tailored for local RV and ATV owners who want to ensure their outdoor equipment is protected with the best insurance coverage available.

Leo Insurance Group shares insights on how to financially safeguard your RV or ATV in Las Vegas in the guide below!

Why You Need Recreational Insurance in Las Vegas

Protection Against Extreme Weather

Living in Southern Nevada means dealing with daily exposure to high desert temperatures. These extreme conditions can quickly escalate to heavy downpours, flash floods, and sudden dust storms, all of which can cause significant damage to RV and ATV electrical systems and exteriors.

Navigating Complicated Desert Terrain

Exploring Las Vegas’s desert terrain comes with its own set of challenges, including an increased risk of rollover accidents for both RV and ATV users. Additional hazards, such as tire blowouts, undercarriage damage, and costly accidents, are common when adventuring in extreme temperatures.

Increased Risks of Theft or Vandalism

Popular off-roading sites like Apex and Nellis Dunes attract adventurers from all over. Unfortunately, these concentrated areas can also draw thieves looking to break into or vandalize unattended vehicles while their owners are enjoying the outdoors.

Highway Travel

Traveling with RVs, such as toy haulers, or towing ATVs on busy highways like I-15 or I-95 can lead to dangerous situations, especially during heavy traffic. Without adequate insurance, accidents can result in thousands of dollars in out-of-pocket expenses for damages, medical claims, and legal liabilities.

How to Get Recreational Insurance in Las Vegas

Starting a comprehensive recreational insurance policy that covers both the interior and exterior of your RV or ATV is simple. Contact a trusted local agent and provide a few key details to get started.

Reach out to Leo Insurance Group in Las Vegas today to protect your outdoor investments!

When Living Full-Time in an RV, What Insurance Gaps Do Travelers Overlook?

Posted on August 29, 2025August 20, 2025 by admin

Ah, freedom. The open road, mountains, lakes, and national parks. Trading a permanent address for life on the open road sounds like the ultimate adventure, and it is. Sunrises in the desert, dinners by the ocean, and waking up to a new view every few weeks. But here’s the reality check: that same freedom comes with risks, and not all RV insurance policies are designed to cover the way full-timers actually live.

The "I Thought I Was Covered" Moment

Many Las Vegas travelers assume their RV policy works like a homeowner’s policy combined with auto insurance. In reality, full-time RV living falls into a gray area. Your RV isn’t just a vehicle; it’s your home base, storage unit, office, and kitchen on wheels. This means standard coverage often leaves surprising blind spots, such as how personal belongings are protected or what happens if your RV becomes uninhabitable for an extended period.

Why Local Insight Matters

At Leo Insurance Group, serving the Las Vegas, NV area, we understand the unique mix of challenges RV full-timers face in the Southwest. From blazing heat and sudden windstorms to long hauls through remote areas, we’ve seen how easily a roadside issue can escalate when your "home" is part of the incident. Nevada’s insurance requirements are also its puzzle, and having someone who understands the rules and how they change when you cross state lines can make all the difference.

Building a Safety Net for the Road Ahead

Our focus isn’t on selling you every possible add-on. It’s about identifying the coverage gaps you can’t afford to overlook. Whether it’s extra liability protection, coverage for high-value items you carry, or support if you’re stranded far from home, we’ll walk you through each option so you can travel with confidence.

At Leo Insurance Group, we’re here to help you turn your dream of full-time RV living into a sustainable lifestyle, without leaving your security to chance. Call us today, and let’s make sure your coverage moves with you, mile after mile.

Will My Standard Vehicle Insurance Include My Classic Motorcycle?

Posted on July 31, 2025July 21, 2025 by admin

If you’re already a classic motorcycle owner or considering purchasing one, it’s important to understand Nevada’s insurance requirements. At Leo Insurance Group in Las Vegas, NV, we can guide you through the state’s regulations to ensure you and your classic ride are adequately protected.

Nevada’s Requirements for Classic Motorcycle Insurance

While it might seem convenient to add your classic motorcycle to your existing car insurance policy, Nevada typically requires a separate policy specifically designed for classic motorcycles. These vehicles have unique insurance needs. For instance, if your motorcycle has a license plate designating it as a classic vehicle, Nevada mandates that you carry the appropriate classic insurance.

Your policy must include the state’s minimum liability coverage, which encompasses property damage and bodily injury. Additionally, classic motorcycle insurance may offer coverage for restoration, spare parts for repairs, and the bike’s agreed-upon value.

In Nevada, motorcycles with classic license plates often come with usage restrictions. These limitations may include prohibiting the motorcycle from being used daily as your primary mode of transportation and limiting the annual mileage the bike can be ridden.

When renewing your classic plates or registering your classic motorcycle, Nevada requires proof of insurance that meets the state’s requirements for classic vehicles.

Contact Us for Assistance

If you’re a classic motorcycle owner in Las Vegas, NV, contact our team at Leo Insurance Group for all the information you need about classic motorcycle insurance policies. Reach out to us by phone or email—we’re here to answer your questions and ensure your classic motorcycle is adequately covered.

Umbrella Insurance for Rental Properties: What is and isn’t Covered

Posted on June 30, 2025June 17, 2025 by admin

Property owners who rent out one or more homes in Las Vegas, NV should seriously consider the advantages of purchasing an umbrella insurance policy for their rental properties. This type of policy can provide significant financial protection, potentially saving tens or even hundreds of thousands of dollars in the event of an unexpected incident.

What Does Umbrella Insurance Cover?

Umbrella insurance for rental properties offers additional coverage when your primary insurance policy cannot fully cover a claim. Most umbrella policies include coverage for bodily injury, property damage, personal injury claims, landlord liability, and legal expenses. Some policies may also cover legal costs related to certain types of defamation.

Coverage specifics depend on the policy you choose, your deductible, and other factors. It’s essential to carefully review the terms and conditions of your umbrella policy to understand what is and isn’t covered.

What Isn’t Covered by Umbrella Insurance?

Umbrella insurance does not cover certain types of damage or situations excluded by standard insurance policies. These exclusions typically include criminal acts, damage due to wear and tear, losses caused by war, nuclear radiation, or the transmission of disease. Additionally, umbrella insurance does not cover rental contract disputes or business activities, such as renting properties through a limited liability company (LLC).

Natural disasters like flash flooding, wildfires, and earthquakes are also generally excluded from umbrella insurance coverage. Given the prevalence of these events in Las Vegas, NV, property owners may want to consider purchasing separate coverage for these risks.

Contact Leo Insurance Group for Expert Guidance

At Leo Insurance Group, we understand that having the right insurance coverage can make the difference between a profitable rental venture and a significant financial loss. We specialize in helping property owners in Las Vegas, NV find the insurance policies that best suit their needs. Contact us today to learn more about our individual policies or policy bundles.

How is My Condo Insurance Affected When I Rent the Property?

Posted on May 30, 2025May 27, 2025 by admin

Your condominium represents a significant investment that requires protection against potential losses, whether you reside in the condo full-time or rent it out. Condo owners need insurance that covers their property and potential liabilities, and additional protection is necessary for those who rent their condo on a long-term or short-term basis. Our team at Leo Insurance Group, serving the Las Vegas, NV area, is here to help you secure the condo coverage that best suits your needs.

Condo Insurance Factors

Basic condo insurance operates similarly to a home insurance policy, except for the condo association’s master policy, which covers part of the dwelling and the common areas. Condo policies typically cover:

The walls and permanent structures inside your unit, including cabinets,
Your possessions, including furniture, electronics, appliances, and clothing,
Your liability in case someone suffers an injury in your unit.

The coverage mentioned above assumes the condo is owner-occupied. It does not cover injuries to renters, their guests, or damages caused to the property by renters. Those who rent their condo require landlord protection.

If you occasionally rent your condo, a rental rider added to your basic condo policy may provide the necessary coverage. However, those with a long-term rental or who regularly rent the property through Airbnb, VRBO, or a similar process should obtain a separate condo landlord policy that provides more comprehensive coverage. For instance, condo rental insurance will cover your loss of income if damages to the condo require your renters to move out, leaving you without the monthly revenue.

Working with Leo Insurance Group in Las Vegas

Leo Insurance Group proudly serves the Las Vegas, NV area. We have extensive experience with condo insurance issues, so call us today at (702) 802-4777 or stop by the office to discuss your condo insurance options.

Things home insurance doesn’t cover in Las Vegas

Posted on April 30, 2025April 21, 2025 by admin

Las Vegas, NV is a great place to live. If you’re new to the area, you may not be aware of all the unique challenges that the climate in Las Vegas presents to your home. At Leo Insurance Group, we have the experience and expertise to ensure that your home insurance meets your needs and that you understand what it covers and what isn’t.

Floods

Living in a desert environment may lead you to think that floods are not an issue in Las Vegas, but that’s not correct. Recently, heavy rain caused extensive flooding of roads and onto some properties. If you live in that area and don’t have a specific flood insurance policy, then any damage your home may sustain will not be covered. If, however, a pipe bursts in your home and causes flooding, this is covered.

Owner neglect

This is the most open category and encompasses a wide range of things. Your home insurance carrier expects you to maintain your home. If your home sustains damage due to neglect, it will not be covered. Some things considered owner neglect include infestations. If pests damage your home, whether they are rodents or insects, it is your responsibility. You are expected to treat your home for these hazards before an infestation happens. Wear and tear is not covered, so if your roof is getting old, any damage you sustain from leakage into your home is not covered.

Earth movement

Earthquakes, mudslides, landslides, and sinkholes are not covered. The good news is that you can purchase additional coverage to protect yourself.

Contact our team at Leo Insurance Group in Las Vegas, NV for all your home insurance needs.

How Desert Dwellers Protect Their Classic Cars from Natural Disasters in Vegas

Posted on March 28, 2025March 24, 2025 by admin

Classic car owners in Las Vegas drive unique vehicles that require specialized care and insurance. Learn how desert dwellers protect their classic cars from natural disasters from the professionals at Leo Insurance Group in Las Vegas.

Protect Your Classic Car from Natural Disasters in Las Vegas, NV

Flash floods, extreme heat, and high-powered dust storms are just a few of the natural disasters that can wreak havoc on the Vegas environment and cause irreversible damage to your home or classic car.

Taking precautions like storing your classic car in a sturdy elevated garage can help mitigate some of the damage caused by flash floods. Classic car owners who live in flood-prone areas may want to store one-of-a-kind vehicles in an elevated garage to prevent water damage.

Specialized Car Covers Seal Out Heat and Debris

A few other steps classic car enthusiasts take to protect their cars from natural disasters include using sealed car covers to protect antique cars from the damaging effects of extreme heat and debris of blowing dust storms.

The most important thing local classic car owners can do to protect their timeless investments is to have a well-structured classic car insurance policy. Classic car insurance policies take car insurance coverage a few steps further than traditional auto insurance policies.

A classic car insurance policy can provide financial protection for the actual cash value of your vehicle. Traditional auto policies provide protection based on the age of the car.

Please don’t wait until the next natural disaster strikes; it is too late to protect your priceless investment from the devastating aftermath left behind by tornadoes, dust storms, wildfires, floods, and severe thunderstorms.

Contact Leo Insurance Group in Las Vegas, NV, and get a classic car insurance quote today!

Recreational Insurance While Living Remotely in Las Vegas, NV

Posted on February 28, 2025February 20, 2025 by admin

Living remotely offers the opportunity to explore various ventures and career paths in numerous industries, from technology to creative roles. If you’re living or traveling in your RV or motorhome in Las Vegas, NV, securing the right insurance is crucial to protect your belongings and investments from theft, vandalism, and even natural disasters. Adequate insurance is essential when living remotely, even for recreational vehicles. At Leo Insurance Group, we’re committed to helping our clients find the most reliable and suitable insurance policies for their off-the-grid lifestyle.

Types of RV Insurance Policies in Las Vegas

Insurance policies can vary based on your specific needs and the level of coverage you require. In Las Vegas, working with an insurance provider like Leo Insurance Group, you may be offered various types of insurance policies, such as:

Comprehensive Coverage: Comprehensive coverage options protect your recreational vehicles anytime you use them, whether seasonally or full-time. Comprehensive policies are highly recommended for those with high-value assets, belongings, or investments in their RVs or motorhomes. In most cases, comprehensive plans will also cover your investment during a natural disaster, such as a fire or flood.
Additional Coverage Options: Depending on your existing insurance policy, you may require additional coverage options based on how frequently you use your RV and whether you intend to store it during your "off-season" or when it’s not in use.

Understanding the benefits and possibilities of recreational insurance is vital when living and/or working remotely in Las Vegas, NV. Even if you believe your RV is not at risk, natural disasters, fire, theft, and vandalism can occur anytime. Contact Leo Insurance Group for more about your options for protecting your investment and personal belongings. For your quote, contact us directly today.

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