How to Choose the Right RV Insurance Policy for Your Travel Style

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Choosing the right RV insurance policy is crucial, and several key factors should be considered. If you’re in the Reno, NV area and looking for insurance coverage options, Hinman & Associates Insurance is here to help. We can help you protect your RV based on your travel style, usage frequency, and the level of coverage that best suits your needs. With the right policy, you can enjoy peace of mind on the road.

How Often Do You Use Your RV?

If you only use your RV during the summer months for vacations, you may not need the same level of protection as someone who uses their RV year-round. While coverage is still essential, you might want to explore policy adjustments for the months when your RV is not in use. This ensures you have adequate coverage throughout the year without paying for unnecessary extras during non-driving months.

Are You a Full-Time Traveler?

If your RV serves as your full-time home, you’ll need a different policy than someone who uses their RV occasionally. Working with our dedicated agents can provide you with valuable insights into the various policy options available. We’ll help you find the right coverage to ensure you’re protected no matter where your adventures take you.

Work With Insurance Experts You Can Trust

Contact us today at Hinman & Associates Insurance if you’re in the Reno, NV area and need RV insurance. Our team is ready to discuss your options and provide you with multiple quotes from top insurers so that you can choose the best policy for your needs. How often you travel and how you use your RV are key factors in determining the right coverage for you.

Motorcycle Insurance for Seasonal Riders in Reno, NV: What You Need to Know

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For numerous motorcyclists in Reno, NV, riding is a seasonal delight. The open road is an integral part of their lifestyle, whether it’s the refreshing spring breeze or the warmth of a summer’s evening ride through the Sierra foothills. But what happens when winter arrives, and your motorcycle remains in storage for months? This is where seasonal motorcycle insurance becomes crucial.

If you’re not a year-round rider, you might be tempted to cancel your policy during the off-season. However, this could put your bike and finances at risk. Even when parked, your motorcycle can be damaged by weather, theft, or vandalism. A lapse in coverage can also lead to higher premiums in the future.

Hinman & Associates Insurance suggests adjusting your coverage rather than canceling it entirely. Many insurance providers offer the flexibility to reduce your policy to comprehensive-only coverage during the months your bike is stored. This approach protects your motorcycle against non-collision risks while lowering your premium.

Your full coverage can be easily reinstated when you’re ready to ride again. Just remember to notify your agent before that first ride of the season. Also, remember that liability insurance is required by law in most states, including Nevada, even if you’re only an occasional rider.

At Hinman & Associates Insurance, we assist seasonal riders in Reno, NV, in striking a balance between cost and protection. We understand the local riding climate and offer tailored solutions that meet your needs, whether you’re on the road year-round or only a few months each year.

Before you store your bike or prepare to hit the road again, give us a call. We’re here to ensure that your motorcycle is insured intelligently, season after season.

Has Your Boat Been Lost or Stolen? Three Steps to Take with Your Boat Insurance in Reno, NV

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Boat owners often joke that the two best days of boat ownership are the day they buy and sell the boat. This sentiment holds true unless your is stolen. Unfortunately, boat theft is a reality for some residents of Reno, NV, and we at Hinman & Associates Insurance handle such claims regularly. While you can’t change the past, responding appropriately can influence the future. Here are three steps to take if your boat is stolen.

1. File a Police Report

When your boat is stolen, the first action is to file a police report. The sooner you file, the fresher your memory of the incident will be, leading to a more accurate report. Prompt reporting also increases the chances of recovering your boat. A detailed police report is crucial when filing your insurance claim, so strive for accuracy and thoroughness.

2. Submit an Insurance Claim

Immediately file a claim with your insurance provider. The sooner you file, the quicker you’ll receive your settlement. Your insurance company may also assist in locating the boat using the pictures and documentation you provide.

3. Document Everything

Photograph every part of your boat and keep all related documents, such as the bill of sale, registration, and any other paperwork related to your watercraft. This information will be invaluable to the police during their search. Without this documentation, proving ownership of the boat if it’s recovered can be challenging.

At Hinman & Associates Insurance, we’ve been providing comprehensive watercraft insurance to customers in the Reno, NV, area for decades. If you’re seeking the ideal policy for your boat, contact us today.

Why everyone with assets needs to have umbrella insurance

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Understanding the Benefits of Umbrella Insurance

We are independent insurance agents at Hinman & Associates Insurance in Reno, NV. We take our responsibility to work for our customers seriously, including helping them see the benefits of umbrella insurance for their financial planning.

What is Umbrella Insurance?

Umbrella insurance is excess liability insurance. It provides additional coverage above the coverage that your current policy has. Many types of insurance provide liability coverage. Liability is part of your policies for your vehicle, boat, home, condo, motorcycle, rental unit, and recreational vehicle. You need to have a policy that includes liability to add umbrella coverage. It is not a stand-alone policy.

How Umbrella Insurance Works

Umbrella insurance is aptly named since it works like an umbrella. If you think of yourself as your assets and the rain as everything that puts you at financial risk, it offers protection. The world we all live in allows people to be sued for various things, and your risk of being sued or exceeding the limits of your policy is greater than you may realize. An auto accident, a pet who hurts someone or someone’s pet, or a teen who makes a mistake are some of the risks.

What Does Umbrella Insurance Pay?

When you are sued, there will be legal costs associated with your defense. Your liability insurance will cover the expense up to your policy’s limit. Then, the umbrella insurance will kick in and pay up to the limit you have on it. This protects your assets from being attached or your equity being used to pay the additional costs.

Contact Hinman & Associates Insurance in Reno, NV, and let us provide you with a quote for umbrella insurance and any other insurance needs you may have.

Important questions to ask before choosing life insurance

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Life insurance may be one of the most important decisions you ever make. Your loved ones and family are counting on you to get it right. To get it right, you need to know what questions to ask when choosing. At Hinman & Associates Insurance in Reno, NV, our team of independent insurance experts will help you to get coverage that will protect those who are counting on you. 

When is the best time to purchase life insurance?

Life insurance is unique when it comes to deciding when to purchase it. It will be less expensive if you purchase it when you are young. However, when you are young, you are often the least able to afford it and have the least use for it. You do need to make sure that if you are purchasing term insurance, that the term lasts through the years when you will need it most. 

How much life insurance is enough?

There is not one answer to this question. Each individual will have different needs. You need to figure how long it will need to provide support, how old your dependents are, and how much you now provide per year. Multiplying your annual income by the number of years is the simplest formula, but it may not provide complete or adequate coverage. Experts suggest at least 10 years of income. 

Who can be the beneficiary?

You can choose to have one beneficiary or multiple people. Keep in mind that if you are choosing a child, they will need to wait to collect the benefit until they are of legal age in the state where they reside, 

Contact Hinman & Associates Insurance in Reno, NV for all your life insurance needs. Call, email, or stop by to get your questions answered. 

What do I Need in Order to Get Auto Insurance?

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Auto insurance is not just a smart choice, it’s a legal requirement. Before you can secure auto insurance, there are several prerequisites you need to fulfill. Once you have auto insurance, you’ll be covered in the event of an accident, and it can also simplify future car rentals. You likely already have everything you need; it’s just a matter of organizing it.

What You Need

To qualify for auto insurance, you must first be a licensed driver. Have your driver’s license ready to present. You’ll also need your vehicle registration to verify that the car is in your name. Your car’s make, model, and condition can affect your insurance rates. Your Social Security Number and driver’s license number will be required. You may also be asked about your driving and claims history. Most of this information can be transferred electronically. You’ll need a copy of the car’s title, the Vehicle Identification Number, and current or previous insurance information, including details about previous owners, if any. Information about the car’s mileage and safety and security features will also be needed. Be prepared to make your first payment upfront, so have your debit or credit card ready. You might qualify for a discount if you have additional documents, such as a military ID, a recent report card, a certificate of completion from a driving course, or proof of an affiliation that could earn you a discount.

Hinman & Associates Insurance: Serving Reno, NV

If you live in Reno, NV, and need auto insurance, please get in touch with Hinman & Associates Insurance. We’re here to help!

Why Self Driving Cars Still Need Auto Insurance

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One might assume that self-driving cars won’t require insurance. However, this is unlikely to be the case in the foreseeable future. While self-driving cars may reduce the likelihood of accidents, many risks will persist. If you’re seeking auto insurance policies in Reno, NV, the Hinman & Associates Insurance team is here to help. Let’s delve deeper into the risks associated with self-driving cars and the continued need for insurance.

Self-Driving Cars and Insurance

Firstly, it’s important to note that self-driving cars can still be involved in accidents. Sensor failures, software glitches, and mechanical malfunctions can occur. While evidence suggests that self-driving cars may reduce accident rates in the long run, the technologies used in these vehicles can also offer safety features when a human is behind the wheel.

Car accidents aren’t the only risk. Self-driving software can’t protect your vehicle from weather-related damage while parked. For instance, hail can cause significant damage. The right auto insurance plans can provide protection, but it’s crucial to understand what is and isn’t covered.

Self-driving vehicles are often more expensive than traditional ones, which can make insurance even more necessary. Risks such as theft and vandalism can be more common for expensive vehicles. Property crimes are on the rise in some communities, making appropriate insurance policies increasingly necessary.

Ultimately, state governments will likely continue to require auto insurance, even for self-driving cars. If you’re looking for insurance agents serving Reno, NV, Hinman & Associates Insurance is here to help. Regardless of your vehicle type and the specific risks you want to mitigate, we’re ready to provide advice and insights.

The Difference Between Commercial Insurance and Personal Insurance

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You may be considering getting commercial insurance for your business. You might wonder if you even need it due to personal insurance. The truth is that commercial insurance and personal insurance cover completely different circumstances. While personal insurance is always good to have, you should also look into commercial insurance to protect your business assets. Let’s look at what makes these two policies different from each other.

Compare and Contrast

For the most part, commercial insurance has higher liability limits than personal insurance. As the name suggests, personal insurance only covers personal activities, while commercial insurance covers business activities. Commercial insurance tends to be higher due to the increased risks and isn’t quite as tailor-made as personal insurance needs to be. Where commercial insurance is to protect business assets and operations, personal insurance is for the purpose of protecting individual assets and personal use. If a vehicle is involved, it only covers licensed employees driving for business purposes. Personal auto insurance is for the individual and their family members. With this in mind, applying for commercial insurance for your business needs is best.

Contact Hinman & Associates Insurance Serving Reno, NV

Trying to discern one insurance policy from another may seem daunting, but it need not be. If you live in or own a business in Reno, NV, and would be interested in commercial insurance, we at Hinman & Associates Insurance would gladly help you in any way. Our knowledgeable and courteous agents will do all they can to help you find the policy that best suits your needs.

Why You Need Liability Coverage in Your Home Insurance Policy

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If you own a home and have a home insurance policy, many different types of coverage are wrapped up inside your policy. These include coverage for your home in case of a damaging event and coverage for your belongings in case of several risks. These types of coverage are what home insurance is best known for, but these aren’t the only essential types of coverage. There is also a layer of liability coverage in your home insurance policy, which is essential to have. If you need home insurance, you can contact us at Hinman & Associates Insurance in Reno, NV.

Why Liability Coverage?

Why do you need liability coverage at home? This coverage can cover you against a wide range of risks that can affect you financially in case of certain incidents. Among these is the danger that someone may come to your home and have any type of accire. When this happens, they can easily become injured, and you would be liable for those injuries. When this happens, the costs can be enormous. You may owe for the medical bills, ongoing therapies, things like legal costs, and any wages lost because of the accident. Your liability coverage can pay for all of these. 

Medical Costs

Medical costs are extremely high, and they’re only getting more expensive. Even an accident that isn’t so serious can end up costing a huge amount for treatments. It’s important to have your liability coverage so that you aren’t stuck paying those bills. 

Get Home Insurance in Nevada

If you’re buying a home and need home insurance or you want to change your current coverage, call Hinman & Associates Insurance in Reno, NV.

3 Ways To Transport Your Classic Car To Car Shows

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If you own a classic car and travel occasionally in or around the Reno, NV, area, several methods exist to transport it safely and minimize wear and tear. This is particularly important for those who prefer not to drive their classic cars to shows, avoiding the risk of damage or accidents.

1. Open Trailer

An open trailer towed behind your truck is a feasible option that allows you to spare your classic car from adding on extra mileage. Depending on your destination, this may be the easiest way to unload your vehicle. Do note that an open trailer does expose your car to sun and weather, but a quick cleanup upon arrival will solve that.

2. Enclosed Trailer

An enclosed trailer is the top choice for those who prefer to tow their classic cars. An enclosed trailer is ideal for traveling through varied weather or constant sun exposure. Since certain classic cars deteriorate more rapidly than others due to environmental elements, this method is recommended if you plan to tow your classic car independently.

3. Hire a Third-Party

Suppose you do not own a towing-friendly truck or an open/enclosed trailer. In that case, you may consider transporting your classic car by a professional transportation company via truck or train. Reservations are required, but they will offer a secure container and deliver your car to the agreed location on time. Do remember that this puts your car in someone else’s hands, and it may not include the option of traveling alongside in the car.

If you’re located in the Reno, NV, area and searching for classic car insurance, our Hinman & Associates Insurance team is ready to answer all your queries.