4 Benefits of RV Insurance

Today, homeownership doesn’t have to come with a brick-and-mortar building. Many people are turning to RV ownership as a form of house ownership and a great way to explore the country while enjoying the convenience of a home. While RV ownership immerses you in a world of unlimited fun, please don’t forget about RV insurance from Hinman & Associates Insurance of Reno, NV. By investing in RV insurance, you will accrue the below benefits. 

Protects your asset

RVs don’t come cheap. Unfortunately, threats like accidents, fire, hail, and other perils can compromise your investment. However, when you have RV insurance, your insurer can always cover physical damage, saving you out-of-pocket expenses. 

Additionally, if you have content coverage, it protects your belongings that are lost or damaged while on your RV.

Liability protection

Just like your vehicle, sometimes you can be at fault for an accident. In the process, you might cause bodily injury and property damage to other people. Thankfully, liability insurance in your RV insurance can come to your rescue whenever you are facing accident-related third-party costs.

It covers you and your passengers’ medical costs

RV insurance gives you peace of mind, knowing that you and your passengers are covered even as you enjoy your vacation or road trip. If you have MedPay or PIP coverage in your RV insurance, your medical costs and those of your passengers are covered when involved in an accident. 

Compliance with the law

If your RV is driven (not towed), you must buy RV insurance in Nevada. Failure to carry the needed RV insurance could subject you to fines and penalties. Additionally, you will have to cover accident costs from your pocket.

While RV ownership comes with unmatched fun compared to traditional homeownership, RV insurance is one critical investment that you shouldn’t forget. In light of this, if you are in Reno, NV and its environs, please contact Hinman & Associates Insurance to buy RV insurance. 

4 Benefits Of Motorcycle Insurance

Hinman & Associates Insurance provides coverage to the Reno, NV community, as well as the surrounding areas. We take pride in being able to assess our client’s needs and help them find the right policy. One of our core values is providing a high level of professionalism at all times.

4 Benefits Of Motorcycle Insurance

Many Reno, NV residents enjoy exploring the state on their motorcycles as a way to relax. However, it’s important to remember that motorcycles are high-risk vehicles. All it takes is one small mistake and things could turn fatal in an instant. Motorcycle insurance covers you against the dangers you face while you’re riding. Here is a look at four benefits of motorcycle insurance.

You Are Protected If There Is A Collision

During the unfortunate situation that you are involved in a collision with another rider or object, motorcycle insurance covers you. The Collision coverage in your policy takes care of the damages and any issues regarding medical treatment. If you are injured in the collision, all you have to do is focus on getting better.

Liability Coverage

Liability coverage protects you if you are ruled at the fault of any damage or injuries as a result of a collision. Sometimes mistakes happen. Maybe you took your eye off the road for a split second. Regardless, the liability coverage in your policy protects you as you figure out your next move.

You Are Covered In Emergency Situations

Perhaps you are having a great time and suddenly your motorcycle runs out of gas or suffers engine failure. Motorcycle insurance covers you in emergency situations so that you’ll receive immediate assistance if you need towing service or fuel.

You Can Customize Your Policy

At some point, you may choose to upgrade your motorcycle. You have the option to amend your policy so that your new accessories are fully covered. 

Hinman & Associates Insurance Will Help You Protect Your Asset

Visit our website to learn more information about motorcycle insurance.  

How Do I know If My Boat Is Insured Properly?

Did you know that a boat is insured differently than other land vehicles? If you own a boat, then you know that being prepared is one of the most crucial elements of having fun on the water. You need to know how your boat performs in different weather conditions and if there are any mechanical issues whatsoever. However, another fundamental aspect of boating is making sure that your insurance policy will help protect both you and your family from financial losses due to accidents or damages.

If you live in Reno, NV, and own a boat or another type of watercraft, you might need boat insurance. Your boat insurance policy depends on the level of coverage that you might need. The types of boat or watercraft that can be covered in Reno, NV include:

  • Performance boats
  • Sailboats
  • Fishing boats
  • Classic boats
  • Jet skis, wave runners, and other personal watercraft

The types of coverage available for your boat or watercraft include:

  • Property damage liability
  • Comprehensive
  • On-water towing
  • Labor coverage service
  • Bodily injury
  • Medical payments
  • Uninsured boater
  • Personal effects replacement

Boat insurance is a necessity for anyone who is looking to dock their boat on the marinas or use their boat as collateral. Otherwise, Nevada does not require boat owners to have boat coverage.

Boating can be a fun and exciting activity, but when something goes wrong it can have tragic consequences. This is why many boaters choose to carry boat insurance. If you have any questions about the coverage of your vessel, please contact Hinman & Associates Insurance. We will be happy to answer your questions and assist in choosing the best insurance package for you.

Should I get an umbrella insurance plan in Reno?

The Reno, NV area is a fast-growing city that offers a lot of opportunities and recreational options. If you do live in this area of Nevada, it is important that you get the right insurance protection for your situation. A type of plan that all people should consider getting is umbrella insurance. You should get an umbrella plan for a few reasons. 

Umbrella Coverage Protects Against Major Claims

A good reason to get umbrella insurance in Reno is so you have protection against major claims. Most people here will already have a home or auto insurance plan, which does come with some liability insurance. While these plans offer some coverage, if you are ever named in a major claim with significant damages it could quickly exceed your other insurance plans. Fortunately, you also have the option of getting an umbrella insurance plan that will provide protection on top of your other policies.

Umbrella Coverage Protects Against Unexpected

It can be difficult to predict every scenario that could result in liability claims against you. Due to this, you should get a plan that offers broad coverage. With an umbrella insurance policy, you will get the additional coverage you need to mitigate a variety of liability risks that are harder to predict. This can offer you protection as well as peace of mind. 

Anyone that is looking for umbrella coverage when they are in the Reno, NV area should call Hinman & Associates Insurance. There are a lot of factors to consider when picking an umbrella plan. The team with Hinman & Associates Insurance can evaluate your options and needs and help you choose a plan accordingly. This can help ensure you remain properly covered for all of your potential liability risks going forward. 

How Life Insurance Adds to Peace of Mind

Taking care of your family is important to you, and to care for them as well as possible you’ll want to consider the right life insurance policy. If you’re in the Reno, NV area, Hinman & Associates Insurance can help with that. Not only will a good policy protect your family in the event of your death, but that same policy can give you plenty of peace of mind for the present and future, too. You’ll know you’re doing the right thing for your family, and that they’ll be covered if something happens to you.

When a person dies without a life policy, it can be more difficult for their family to stay in the home they love, send children to college, or keep the vehicles and personal items that are comfortable and that they’re used to. With that in mind, getting a policy to protect your family in the event of your death is an act of love for the people you care about. Their protection is one of the ways you can show how much you value them, and also help them feel safe and secure when it comes to their future.

Reach out to us at Hinman & Associates Insurance today, if you’re in the Reno, NV area and need life insurance. Our dedicated and knowledgeable agents can help you get the policy that’s right for your needs and those of your family. Then you can get back to enjoying life with your loved ones, and you won’t have to worry about their future if something should happen to you. We want to make sure you and your family feel safe and protected for the long term. With the right type and level of coverage, you’ll be ready for whatever life brings.

Required Auto Insurance in Nevada

While many states are moving to no-fault laws, Nevada has a fault system for car accidents. Someone is chosen as the person at fault for the accident, and that person has to pay for the harm done by it, whether that’s for injuries or property damage. If you need required auto insurance, or you want to boost your insurance, call us at Hinman & Associates Insurance in Reno, NV to find out more.

Bodily Injury

Often, the bodily injury of those in an accident is costly. That’s why there is a mandatory minimum for bodily injury in Nevada. There is an amount of coverage required for each person who was injured and an amount for all of the injuries from an accident. Bodily injury also includes death. If someone were to die or become injured in an accident you caused, your insurance policy would pay for their expenses up to the maximum coverage amount you chose. Often, people get more than the mandatory minimum to have less risk of having to pay any of these expenses from their own pockets. 

Property Damage

In addition to bodily injury coverage, you need property damage coverage to stay legal in Nevada. This type of coverage pays for any damage you caused to another vehicle, or any other property, in an accident in which you were at fault. While there is a minimum amount of coverage mandated by law, getting a higher amount is usually recommended if serious damage is caused or a high-priced car is involved.

Talk to an Agent

If you need auto insurance, don’t wait to become legal. Call us at Hinman & Associates Insurance in Reno, NV to make an appointment with an agent. 

How Much Commercial Insurance is Required in NV?

For many, owning a small business is the fulfillment of a lifetime of hard work and dreaming. Consequently, protecting that business is of paramount importance and that’s where commercial insurance comes into play. Similar to homeowners or auto insurance, commercial insurance is designed to protect the business owner from being 100% responsible for any potential incidents such as an injury in the workplace, storm damage to the office location, theft, vandalism, and much more. 

Every state has different requirements as to how much commercial insurance a business must have. Keep in mind, that these requirements are only the minimum needed to remain legally compliant with the state and many businesses will need more insurance – particularly liability coverage – to protect themselves and their company from potentially business ending incidents. To that end, Nevada law requires that any business with at least one seasonal, temporary, contracted, part-time, or full-time employee have workers’ compensation insurance to help pay for injuries or illnesses sustained in the workplace. Additionally, any business owned vehicles must have commercial auto insurance that is separate from any personal auto coverage.

While commercial auto insurance and workers’ compensation insurance are the only mandatory coverages for Nevada business owners, there are many optional coverages that may add extra peace of mind. For instance, one of the coverages that is becoming increasingly popular is cyber liability insurance which helps businesses recover from data breaches, cyber attacks, and other similar incidents. 

At Hinman & Associates Insurance in Reno, NV our team of insurance experts will walk you through your options, help pick additional coverages that may make sense for your business, and answer any questions you have. Give us a call today to schedule a no-obligation consultation. 

How to Make Sure Your Valuable Belongings Are Covered By Your Home Insurance

Do you have several valuable items in your home? If you worry about damage or theft of your belongings, you can get insurance coverage for them. Hinman & Associates Insurance of the greater Reno, NV area has agents that can assist you with such matters.

Coverage Limits Vary

It’s important to remember that your coverage limits for valuables are different based on the insuring company and the amount of your dwelling coverage.

Look for Named Perils and Exclusions

Many insurance companies will only provide coverage under specific circumstances. In this instance, any of the events/perils not mentioned in the documents will not be covered.

You also should be aware if there are any exclusions. For instance, some companies don’t offer coverage for rare coins or antiques. You’d have to ask for additional insurance if you have items that are excluded in your standard policy.

Blanket Coverage for Valuables

With blanket coverage, you’d be able to raise the coverage for a whole category of items you own such as fine art, instruments, and collectibles.

Riders or Floaters Can Help

If you want coverage for a certain item, you can have it explicitly put into your policy to raise your limits with a floater. This offers protection for the replacement value up to the amount of your policy limit.

Expert Insurance Assistance from a Reputable Agency

When it comes to getting the right coverage for your valuable items, look no further than Hinman & Associates Insurance of the Reno, NV area. You need to know that you won’t have a total loss when it comes to something happening to your belongings and can even potentially get as close as possible to its value depending on what’s in your policy.

All about Classic Car Insurance

You’ve finally gotten that classic car you’ve always wanted. Whether you restored it yourself and gathered all the original parts or bought it from a collector, you’ll need to know everything you can about classic car insurance to protect it. Start with the basics. Insurance agents at Hinman & Associates Insurance in Reno, NV have what you need to keep your investment protected.

What is Classic Car Insurance?

Classic car insurance is different than your basic auto insurance. Your classic isn’t a standard vehicle neither should your insurance be. This type of insurance is tailormade to fit your vehicle. You’ll discuss with your insurance agent many of the details, including how much your vehicle’s worth. If your classic car is ever damaged or destroyed, you could be reimbursed for the vehicle’s value. You can also get lots of advantages with a classic, such as roadside assistance or a lower deductible.

What Qualifies You to Ger Classic Car Insurance?

In order to purchase classic car insurance, your vehicle will have to be deemed a classic. In most states, the age is an indicator. If it is more than 20 years old, it could be considered a classic. There are also cars that have vintage or antique models. To get insurance, there are certain conditions that may be required. This vehicle cannot be your primary mode of transportation. Meaning that it can not be for your everyday usage. It also needs to be stored. Speak with your representative about how you should store your classic vehicle.

There could be a difference in pricing if you’ve restored your classic with improvements or left it in its original condition. The independent insurance agents at Hinman & Associates Insurance in Reno, NV can help you decide on your classic car insurance needs.

Can Renters Install a Home Security System?

Renters in the Reno, NV area can rely on the agents of Hinman & Associates Insurance to help them determine the best way to reduce their risk of loss while living in a rental property or apartment. One of the best ways is to install a do-it-yourself home security system. They offer reliable protection without having to be directly wired into your apartment’s electrical system.

Easy to Install and Remove

Most do-it-yourself home security systems come with sensors and detectors that are wireless and battery operated. The entire system can be installed or taken down in a few minutes’ time, leaving no trace of it ever being there. Sensors are conveniently placed at various points of entry like doors and windows.

Wireless with Remote Access

DIY home security systems work by using a wireless internet connection that allows them to connect with your smartphone or other electronic devices remotely. You can access your system from anywhere just by downloading the corresponding app and establishing a connection. 

No Long-Term Contracts

Most DIY home security systems do not require a long-term contract. Although third-party monitoring is available with most systems, you aren’t obligated to subscribe to it. You may choose to monitor your system on your own giving you full control of when your system is armed and what information is turned over to the authorities.

The agents of Hinman & Associates Insurance are able to assist Reno, NV residents who are renting their homes in finding the type of home security system that is most beneficial for them. Each agent understands the need for having a sense of security, especially when renting an apartment or home. Speak to an agent as soon as possible so you can have the peace of mind you deserve.