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Five Benefits of Having Comprehensive Auto Insurance in Reno

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Driving in Reno comes with unpredictable weather conditions and other potential road hazards that can lead to collisions and incidents for local drivers. Reno drivers secure their rides with comprehensive auto insurance, which helps mitigate the costs of accident and non-collision-related damages like thefts and natural disasters. 

Hinman & Associates Insurance and Comprehensive Auto Insurance Benefits

Benefit #1. – Protection Against Weather Extremes

Reno residents know local weather patterns can run the gamut from intense heat to blinding snowstorms. Regional drivers can get coverage for weather-related damages to automobiles with comprehensive insurance. 

Benefit #2. – Secure Your Vehicle Against Vandalism and Theft

Urban areas like Reno can be highly susceptible to vehicle theft and vandalism. Reduce the likelihood of incurring damage and theft-related expenses out of pocket by protecting your finances with comprehensive auto insurance. 

Benefit #3. – Safeguard Your Finances from Non-Collision Related Incidents

Liability insurance offers limited protection that covers costs related to at-fault accidents and legal liability claims. Savvy drivers use auto insurance as a financial tool to safeguard their finances against unexpected perils. 

Benefit #4. – Wildfire Protection

Residents face the unique peril of wildfires that can break out and cause irreversible damage to homes and vehicles. Talk to a knowledgeable insurance agent to learn how comprehensive insurance can protect your vehicle and its contents from the devastating effects of wildfires. 

Benefit #5. – Starting a Policy is Easy

The best news about getting comprehensive auto insurance in Reno, NV, is that starting a new policy is easy! Contact the licensed and friendly insurance professionals at Hinman & Associates Insurance to get a free quote and begin a new auto insurance policy today! 

The Autonomous Revolution: How Self-Driving Cars Could Change the Landscape of Auto Insurance

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In the high desert terrain of Reno, NV, a silent revolution is underway as self-driving cars become an integral part of the automotive landscape. At Hinman & Associates Insurance, nestled in the heart of Reno, we recognize the transformative potential of autonomous vehicles and the consequential shifts they bring to the realm of auto insurance.

Autonomous Vehicles: Changing the Driving Game

Self-driving cars represent more than just a technological marvel; they embody a paradigm shift in transportation. With features like advanced driver assistance systems and fully autonomous capabilities, these vehicles aim to redefine the driving experience, promising increased safety, efficiency, and reduced traffic incidents on Reno’s roads.

Navigating the Insurance Landscape of Tomorrow

As autonomous vehicles become more prevalent in Reno, the landscape of auto insurance is poised for significant change. While these vehicles offer enhanced safety features, they also introduce new challenges for insurers. The focus is shifting from traditional driver-centric policies to comprehensive coverage for automated systems and potential technology-related risks.

Hinman & Associates Insurance: Steering Through Change

Serving the community of Reno, Hinman & Associates Insurance understands the unique challenges the autonomous revolution poses. Our agency is committed to providing tailored insurance solutions that not only adapt to the evolving technological landscape but also address the specific needs of Reno residents in this transformative era.

Embrace the Future: Contact Hinman & Associates Insurance Today

As self-driving cars revolutionize the way we commute in Reno, NV, it’s crucial to stay ahead of the curve with insurance that aligns with these technological advancements. Contact Hinman & Associates Insurance today to discuss how we can help secure your drive in the evolving era of autonomous vehicles.

Four problems businesses can avoid with commercial insurance

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Commercial insurance is one of the most critical assets available to business owners in Reno, NV. If you have questions about commercial insurance, you can get the information you’re looking for from us at Hinman & Associates Insurance.

Carrying commercial insurance protects business owners from a wide range of potential problems. Here are four problems businesses can avoid with commercial insurance. 

Revenue losses due to business interruption

Events like natural disasters or equipment theft can cause business interruption that leads to lost revenues. This can be detrimental to a company if it leads to cash flow issues and challenges with covering operating expenses.

With business interruption coverage, companies can continue covering costs even if business operations are interrupted for an extended period. 

Legal expenses due to lawsuits

Business owners shouldn’t underestimate how expensive it can be to pay for legal representation in the event of a lawsuit against their companies. Fortunately, business liability coverage covers legal expenses if a company gets sued. 

On-the-job injury complications

Accidents happen even at the safest worksites. On-the-job accidents can be expensive for companies. Companies can be held liable for the resulting medical expenses. 

Fortunately, commercial insurance can cover costs that result from injuries on a company’s worksites so that such expenses don’t compromise the company’s future. 

Losses due to theft

You could face severe financial loss if your inventory or valuable company equipment is stolen. Commercial insurance can include coverage for theft so that you don’t have to worry about going out of business or experiencing significant financial problems at your company due to theft. 

Enjoy the peace of mind of having commercial insurance coverage that protects your likelihood. Get a quote on a policy for your business in Reno, NV by calling us or visiting us online at Hinman & Associates Insurance. 

Beyond Bricks and Mortar: How Home Insurance Safeguards Personal Belongings

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For homeowners in and around the Sparks and Reno, NV area, a house isn’t just a structure; it’s a place filled with memories, comfort, and personal belongings. Protecting your home and its contents is not just a matter of bricks and mortar; it’s about safeguarding your cherished possessions and financial well-being. 

Understanding Personal Belongings Coverage

Personal belongings coverage is a vital component of most home insurance policies. It protects your possessions, including furniture, electronics, clothing, jewelry, and other valuables, from various perils. Here’s an idea of how it works: 

Protection Against Common Risks: Home insurance protects against common perils like fire, theft, vandalism, and specific weather-related damage. If any of these events damage or destroy your personal property, your home insurance policy can help you recover the value of your losses.

Actual Cash Value (ACV) versus Replacement Cost: When insuring personal property, you often can choose between two types of coverage: actual cash value and replacement cost coverage. ACV coverage pays you back for the present-day value of your belongings and depreciation. Replacement cost coverage will take care of the cost of replacing your belongings with new items of similar kind and quality without considering depreciation. While ACV coverage is generally more affordable, replacement cost coverage offers more substantial financial protection in case of a loss. 

Off-Premises Coverage: Home insurance doesn’t restrict its protection to your home alone. It often extends coverage to your personal property, even when it’s located outside your home. This means that if any personal belongings are lost while you’re traveling, your home insurance can assist in covering these losses.

Hinman & Associates Insurance Can Help You

At Hinman & Associates Insurance, we can help answer questions concerning home insurance. We serve the Sparks and Reno, NV area. Contact us today. 

What Does Classic Car Insurance Cover?

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In Nevada, classic cars are touted as vehicles that are at least 15 to 25 years old and have an appreciating value. This makes them special since most vehicles depreciate in value over time. Also, a classic car is not driven regularly for daily activities. If you have a classic car, you will want a proper classic car insurance policy to protect the investment you have made in your vehicle, and our agents at Hinman & Associates Insurance, serving the Reno, NV area, are ready to assist you.

What is Classic Car Insurance?

Classic car insurance in Nevada is specialized coverage for vintage and antique automobiles. It is designed to ensure that these cherished vehicles are protected in a way that regular auto insurance policies cannot provide.

What Does Classic Car Insurance Cover?

Much like regular auto insurance, classic car insurance provides comprehensive and collision and liability insurance coverage. All vehicles in the state of Nevada must have at least liability insurance, and even though classic cars are not to be driven regularly, they can be driven to and from events, such as car shows and parades, so the owners must have an auto liability insurance policy.

Classic car insurance also provides comprehensive and collision coverage in case a fire, natural disaster, theft, vandalism, or collision damages or destroys your classic car. However, the way the insurance coverage is determined is different since classic car insurance policies allow owners to establish an agreed-upon value for their vehicles. This ensures that the owner receives the total agreed-upon amount without depreciation in the event of a total loss.

Contact Hinman & Associates Insurance in Nevada

To get your classic car insurance policy started, contact our experienced agents at Hinman & Associates Insurance, serving the Reno, NV, area today!

Coverage Options for Renter’s Insurance

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If you’re not ready to buy a home or condo in Reno, renting offers a viable option. Renting is less expensive than buying and comes with less responsibility regarding the overall maintenance and upkeep of the property. One thing you are responsible for as a renter, though, is your personal belongings. Your landlord’s insurance won’t cover your loss if any of your goods are stolen or damaged in an unforeseen disaster. That’s why you need a renter’s insurance policy from Hinman & Associates Insurance in Reno, NV.

What Renter’s Insurance Covers

Renter’s insurance protects the interests of renters by offering the following coverage to help you avoid financial loss:  

Property Coverage

Property insurance covers your personal belongings. If they’re stolen, damaged by vandalism, or destroyed in a disaster, property coverage will help you recover your losses. Insuring your valuables can save you thousands of dollars in replacing them on your own in the event of a disaster.  

Loss of Use Coverage

If your rental home becomes uninhabitable due to damage from a covered peril, loss of use coverage helps pay for your living expenses elsewhere until repairs are done and you can move back into the home.

Liability Coverage

Anytime you have people over to your home, there’s a risk of an accident. If an accident results in injury or property damage to others, liability insurance will help cover medical or property damage costs. Say a friend trips over your pooch, falls down the stairs, and breaks his arm. Liability coverage will pay for his medical costs. Liability insurance covers mishaps like slips and falls, kitchen accidents, and injuries from sports play in the yard, so you don’t have to cover these expenses out of pocket. 

Contact Hinman & Associates Insurance in Reno, NV to learn more about renter’s insurance coverage. 

I have a 5th Wheel. Do I need motorhome insurance?

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Determining the best insurance for your home on wheels can be confusing if you own a camper or motorhome. This is understandable because the insurance requirements vary based on the type of camper you own. Our Hinman & Associates Insurance team understands the confusion that many people with homes on wheels can experience regarding insurance. We’re here to help our Reno, NV residents cut through the confusion.

What is Motorhome Insurance?

Motorhome insurance is designed for people with motorized recreation vehicles/campers. Like car insurance, motorhome insurance includes liability coverage and other forms of coverage. Motorhome insurance can provide coverage for the repair or replacement of your motorhome and your personal belongings if a covered incident damages it.

I have a 5th wheel. Do I need Motorhome Insurance?

No, a 5th wheel is not a motorized camper or recreational vehicle. As a result, motorhome insurance isn’t a requirement. Travel trailer insurance would be the appropriate insurance for a 5th wheel. Travel trailer insurance covers your 5th wheel if it’s damaged due to a covered incident. However, it should be noted that travel trailer insurance isn’t a legal requirement. However, if you’re financing your travel trailer, your lender will likely require you to carry travel trailer insurance. Regardless, travel trailer insurance pays for repairing or replacing your 5th wheel if it’s damaged due to a covered incident. Travel trailer insurance benefits both full and part-time campers, especially if you can’t pay for repairing or replacing your 5th wheel. Call us if you have questions about travel trailer insurance and its benefits. We’d be happy to help you explore your options.

How does RV insurance differ from auto insurance?

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RV insurance is like auto insurance in some ways, but it has several key differences that RV owners should understand. We’ll summarize the similarities and differences here. Still, if you are in the Reno, NV area, we encourage you to contact our Hinman & Associates Insurance team to ensure you have the RV coverage you need.

RV and Auto Insurance Compared

Nevada law requires motorized RVs to carry the same minimum insurance as autos. Those requirements include at least the following:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property liability per accident

Of course, many policyholders prefer to exceed these minimum requirements, and RVs differ from autos, so RV owners commonly buy additional coverage, including:

  • Personal property and attachment: Clothing, appliances, satellite dishes, and other equipment are typically not covered by your auto policy but are vital for your RV.
  • Roadside assistance: The size of many RVs means towing costs often exceed the coverage available from an auto policy.
  • Full-Time RV: Your homeowner’s policy does not cover your liability for injured visitors and other issues if you spend more than 150 nights per year in your RV. A separate full-time RV policy can handle those concerns. 

RVs can provide wonderful times and memories, but they also bring potential liabilities and costs beyond the coverage of any auto policy, so RV owners must understand and consider the advantages of RV insurance.

Working With Hinman & Associates Insurance

Your friendly team at Hinman & Associates Insurance in the Reno, NV area is ready to address your RV or other insurance needs. So, give us a call or stop in today to ensure you and your RV are appropriately covered.

How a helmet could help save your life on a motorcycle

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Motorcycles can be an exciting and enjoyable way to travel and experience the outdoors in Reno, NV. Unfortunately, they also come with the risk of serious injury if an accident occurs. Wearing a helmet while riding a motorcycle can significantly reduce your chances of being seriously injured or killed in the event of an accident. Helmets are designed to absorb and deflect much of the shock from a direct impact, protecting your head and neck from serious injury, such as traumatic brain injury or spinal cord damage. At Hinman & Associates Insurance, we recommend you wear one every time you get on your bike.

The best helmets on the market today are made from advanced materials, such as carbon fiber or Kevlar, and are constructed to meet or exceed impact safety standards. Additionally, many modern helmets come equipped with special features such as built-in ventilation systems, adjustable straps for comfort, and improved visibility. Those features mean that today’s riders have more options when selecting a safe helmet. 

In short, wearing a helmet while riding a motorcycle is essential for protecting yourself in case of an accident. A quality helmet won’t just help you avoid serious injury; it could save your life. For more safety tips or to explore a policy that can cover you and your motorcycle in case of an accident, give us at Hinman & Associates Insurance today. We are proud to serve the Reno, NV, area and would be happy to help you find a policy that meets your needs and budget.

How To Keep Guests Safe on Your Boat

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If you are a boat owner, you probably live for opportunities to have guests come boating with you. Although this can be great fun, it is also important to remember that boating can be risky. At Hinman & Associates Insurance, we want to help boat owners in Reno, NV, and the surrounding areas learn better ways to keep their guests safe while boating. Keep reading to learn more. 

Life Jackets

It is imperative that you provide properly fitting life jackets for everyone on your boat. Although this might seem like an inconvenience, it is a small price to pay to avoid a tragedy. Life jackets should also be replaced after a few years to ensure you have quality items for your guests. 

First Aid Kits

Accidents can happen even on a boat. You should always keep a well-stocked first aid kit on your boat. You should also have at least a basic knowledge of administering first aid if you will be taking guests out on your boat. In most cases, you can deal with small injuries on the boat and then safely get your guests to better medical help if they need it. 

Drinking and Boating 

Just like with driving, it is important that there is always a designated boat driver if there is alcohol present on the boat. Boating while under the influence can be very dangerous. Anytime water is involved, risks of injuries or drowning are significant.

If you want to learn about boat insurance, please get in touch with us at Hinman & Associates Insurance serving Reno, NV, and the surrounding areas.