Category: RV Insurance

Do I Need More Insurance If I Live in My RV Full-Time?

Posted on by admin

With an increasing number of people in Las Vegas, NV, trading their permanent homes for RVs to explore the American West and beyond, questions about the necessary insurance coverage are becoming more common. Living full-time in your RV is a different experience compared to using it for part of the year. Most likely, your RV will house most of your belongings. At Leo Insurance Group, our experts are ready to guide you on the insurance coverage you need to protect your RV and possessions.

Increased Liability Coverage is Crucial

Using your RV as your primary residence requires more liability coverage due to the increased risks compared to part-time use. For instance, you may host more guests in your home, increasing the risk of injuries. If you reside in a specific RV park, there’s a higher chance of accidentally causing damage to the park, which could result in fines and association fees. Additionally, if your RV sustains significant damage and becomes uninhabitable, you’ll need temporary accommodations during repairs. All these scenarios necessitate more liability coverage for aspects like medical payments, loss assessment, and general liability.

Securing Additional Coverage

Many insurance providers offer extended policies for RV owners who live in their vehicles for at least six months of the year. Some may also provide additional coverage for personal belongings. If you store valuable items in your RV, you might consider purchasing a separate policy for personal items.

To determine the appropriate insurance coverage for your RV, contact the professionals at Leo Insurance Group, serving Las Vegas, NV.

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.

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.

Is RV Insurance Required by Law?

Posted on by admin

Owning an RV requires special consideration while out on the road. Protect yourself and your interests by securing the protection of RV insurance. Anyone in the Las Vegas, NV area interested in learning more about RV insurance can reach out to Leo Insurance Group to find out more. 

RV Insurance Coverage

Each state has its own requirements regarding RV insurance. In Nevada, the state doesn’t require you to have RV insurance. However, most finance companies will require specific coverage. If you want to know which coverage options you need, you can really on our team of experts at Leo Insurance Group to provide support and guidance to help you get the coverage you need. 

Our team is committed to helping educate our clients about insurance coverage and protection. We work closely with each individual and help them understand the fine print and terms and conditions of the insurance policy so they can be informed consumers. We also help them submit documentation and information to secure their policy quickly. Another part of our service is offering ongoing support by assisting with policy changes or claims submissions. You can rely on us to be there for the lifetime of your insurance policy. 

Leo Insurance Group Is Here To Help!

If you want to learn more about RV insurance and how it can provide security while on the road, let us help you find details and assist with policy selection. We are committed to helping you get the proper protection for peace of mind. Residents in and around Las Vegas, NV can call or stop by our office today to schedule a consultation for service and get the quality coverage you can rely on while enjoying your RV. 

What will come with my RV insurance plan?

Posted on by admin

Anyone that lives in the Las Vegas, NV area will know that there is a lot to explore in the area. Beyond the excitement of downtown Las Vegas, there are also many great parks and outdoor recreational activities to enjoy. If you want to enjoy this area as much as you can, investing in your own RV can be a great option. Along with this, you also need RV insurance as it offers various forms of important coverage.

Protection for your RV

If you are going to purchase an RV, you will be making a big investment in a long-term asset. Due to this, you will want to know that you are appropriately covered with insurance so you can enjoy it for a long time. RV insurance offers protection in the event your RV is stolen, damaged, or you incur another type of loss. 

Mitigation of Liability Risks

You should also consider getting an RV insurance plan as it can help to mitigate any of your liability risks. There is always a chance that you will cause an accident that results in damage when using your RV. Further, there is a risk that a guest will get hurt when visiting your RV when you are off the road. Both of these situations come with liability risks and an RV insurance plan can mitigate the concern.

Get RV Insurance Today

If you want to invest in your own RV in the Las Vegas, NV area, it would always be wise to get insurance. The team with the Leo Insurance Group will give any support that is necessary to ensure you understand your options. The Leo Insurance Group knows the value of this coverage and can ensure you choose a plan that provides the right support and protection. 

Why You Need to Look Into RV Insurance

Posted on by admin

Living in the state of Nevada means you have a ton of deserts to explore, and owning an RV is a great way to go on long trips throughout the state. However, if you break down or worse, RV insurance can save you from encountering any unforeseen costs. 

Leo Insurance Group in Las Vegas, NV offers RV insurance quotes. These quotes will be from several providers, ensuring you get the most appropriate insurance for you. Leo Insurance Group services the following states:

  • Arizona
  • California
  • Colorado
  • Michigan
  • Idaho
  • Ohio
  • Oregon
  • Pennsylvania
  • Nevada
  • Pennsylvania
  • Utah
  • Washington

Why RV Insurance 

Your RV is not quite a house and not quite a car. Therefore, it needs its own insurance separate from your usual home and car insurance. An RV is, of course, more like a house you can drive around in, so the requirements for this insurance entail very different things than a regular car or home insurance. The type of recreational vehicle you own can also make a difference. 

You need RV insurance in case of an accident, damage to your RV, or damage to you, your fellow travelers, or the people you hit. However, you also need RV insurance even if you do not drive your RV for a while, as others or the weather can still cause damage to the RV you need to be insured for.

If you live in one of the states we service, you should call Leo Insurance Group in Las Vegas, NV as soon as possible to receive RV insurance quotes for your RV. You can reach us on 702-802-4777 or request a quote via our online contact form.