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.

Landlords often carry insurance that includes property and liability coverage. Many tenants believe their personal property is covered under their landlord’s policy, but this is generally untrue. While landlord insurance may cover items that the landlord left on site for use at the property, such as a lawnmower, it does not usually cover belongings owned by tenants.

Instead, tenants should carry renters insurance to help cover unexpected events. Serving Reno, NV, and the surrounding areas, Hinman & Associates Insurance offers renters insurance to protect tenants from financial losses.

What Is Renters Insurance and What Does It Cover?

While most people are familiar with homeowners insurance, renters insurance is not as commonly discussed. A renters insurance policy may cover personal belongings that are stolen or damaged due to a covered peril. It may also cover living expenses if the tenants are temporarily unable to continue living in the home while damages are being repaired. Renters insurance does not cover the structure itself as this is the landlord’s responsibility.

Renters insurance works similarly to homeowners insurance, providing policyholders with financial reimbursement for covered losses to personal belongings. Once your policy is active, you can contact your insurance company when you encounter a covered peril and file a claim up to your policy’s limits, minus any deductibles. While renter’s insurance is not legally required in Reno, NV, some landlords may request proof of renter’s insurance as part of the lease agreement.

Protect Your Personal Belongings with Renters Insurance

Renters insurance is an effective and affordable way to protect your personal belongings when renting a home or apartment. Contact the experienced insurance professionals at Hinman & Associates Insurance today to discuss your coverage needs and safeguard your assets.

Reno, NV offers some amazing RV and motorhome parks specializing in long-term stays. People from across the U.S. travel to Reno to enjoy its balmy climate, breathtaking vistas, and gambling fun. Hinman & Associates Insurance wants everyone to understand that you still need motorhome insurance, also known as RV insurance, even when you park it in one place full-time.

Introducing Full-timers Insurance

People who live in their RV full-time, with it parked and skirted, still need motorhome insurance. In fact, their need for liability coverage and personal property coverage increases. People tend to invite guests over when they settle down in one place.

Inviting people over increases liability because there’s a higher chance that someone might trip, fall, or injure themselves in another way. When living in an RV or any other type of home, people tend to buy stereos, TVs, small appliances, and so forth. These personal property items need coverage, too.

Don’t Go Under-insured

The typical motorhome policy focuses on travel. It covers you for liability if you cause an accident while driving. Your collision or comprehensive coverage pays for the damage repairs or replacement of your motorhome. If you plan to live in your RV full-time, switch to a full-timers policy.

Contact Hinman & Associates Insurance Today

Contact your agent at Hinman & Associates Insurance to update your motorhome policy. Many people who visit Reno, NV, choose to move here. Contact us to upgrade your RV policy when you relocate to your motorhome. Ask your insurance agent about full-timers’ insurance, a type of motorhome insurance that includes broader liability and personal property coverage.

In the Reno, NV, area, it can be a great idea to own an RV. An RV is a great way to see the state, as it provides you with a mode of transportation and a place to sleep at night. If you are going to invest in an RV, you need to get insurance, too. All owners need to have this coverage for many reasons. 

Protect the RV

It is a good idea to have an RV insurance plan, as it can help to protect your RV. When you buy an RV, you will be making one of the largest investments and purchases of your life, and you will want to know that you have support if you incur a loss. When you are insured, you will have the support needed to replace or repair it if a loss is incurred. 

Liability Risk

It is also a good idea to reduce your liability risks by getting an RV insurance plan. When you have this insurance, you will have support if you are found at fault in an accident that leads to damage. Not only is this helpful coverage, but it will also ensure you comply with Nevada law, which requires such coverage for motorists. 

Having an RV insurance plan when you are in the Reno, NV, area is always helpful. If you want to purchase an RV here, call our Hinman & Associates Insurance team to learn more about your options. Our Hinman & Associates Insurance team will give you any support you need to build a new plan to help ensure your RV is adequately covered and protected. 

To maximize safety, it’s wise for motorcyclists to replace their helmets every several years and after any accidents. This headgear is crucial to safety and required by law in Nevada, but it can be costly. You may wonder if a motorcycle insurance policy would cover replacement when your helmet becomes damaged or otherwise unusable.

Coverage Details

Helmets may be covered, depending on the circumstances and the exact type of policy. A different limit that doesn’t pertain to the bike might apply to your gear. It’s also important to keep your deductible in mind. If you only have liability coverage, it usually won’t cover the replacement of a helmet or other gear. Collision and especially comprehensive plans are more likely to insure this equipment.

Sometimes, you might need to add motorcycle accessory coverage to your policy before replacement will be covered. You may also benefit from insurance with a lower deductible. Keep in mind that other policies could cover your helmet in certain situations. For instance, renters coverage may reimburse you if a thief steals gear stored in your apartment.

What’s Not Covered

Remember that insurance doesn’t act as a warranty. It won’t cover replacement if you need a new helmet because of manufacturing defects, wear and tear, age, or gradual decay. Generally, the loss must be caused by an event covered by your specific policy, such as a collision or fire. When in doubt, ask your agent for clarification.

Hinman & Associates Insurance can help you find a top-notch motorcycle policy that covers your helmet. Our friendly staff in Reno, NV, understands the needs of local riders and benefits from a thorough knowledge of the relevant insurance options. To get started, please call 775-348-6262 to contact Hinman & Associates Insurance in Reno, NV today.

Whether you’re a local or tourist about to take on the adventure of the open waves, we at Hinman & Associates Insurance in Reno, NV, have got you covered. Ensuring your maritime journey is safe and enjoyable is of great importance to us. Therefore, we’ve compiled five vital tips for your future boating excursions.

1. Practice Responsible Boating

Being a responsible boater is about more than just maintaining your vessel; it’s also about having respectful conduct while on local waterways. Avoid reckless behaviors such as excessive speeding, alcohol consumption, and disturbing local wildlife during your marine excursions.

2. Stock Up on Safety Equipment

Before embarking on your journey, ensure you have the essential safety equipment onboard. Each passenger should have access to well-maintained safety supplies, including—but not limited to—life jackets, fire extinguishers, and flare guns for signaling distress.

3. Monitor Weather Forecasts and Alerts

Stay alert and responsive to the changing weather conditions to ensure a safe boating experience. Reno’s weather, especially around bodies of water like Lake Tahoe, Pyramid Lake, and the Sparks Marina, can change dramatically, often leading to unexpected storms that may put you at risk.

4. Understand Local Boating Regulations

Before setting sail, familiarize yourself with local boating regulations and laws. Understanding these rules, including speed limits, navigation regulations, and dedicated watercraft zones, can prevent legal complications and enhance your overall boating experience.

5. Secure Comprehensive Boat Insurance

Protecting your marine adventure starts with comprehensive boat insurance; it is the most vital step to ensure you, your passengers, and your boating accessories are covered against both collision and non-collision-related risks.

We’re Here to Support You

At Hinman & Associates Insurance, we’re your go-to partner for protecting your aquatic odysseys in Reno, NV. Whether you need comprehensive boat insurance or want to understand how to manage your risks better, we’re here to help!

So, you may wonder: what is umbrella insurance? It is known as a special type of insurance that offers extra coverage beyond the limits of your other insurance types. If you are eligible for any damages, umbrella insurance will protect your assets and cover any financial gaps. It is not mandatory insurance, but it is worth having it for your peace of mind. Keep on reading this post to know more about the pros and cons of this unique coverage: 

What Are the Pros Of Umbrella Insurance? 

Umbrella insurance is what can protect you from a serious financial loss. Here is a list of its major advantages: 

• It will cover you when you reach the limit of your auto or home insurance. 
• It covers the events and situations that other policies might refuse to cover. Such events include slander and libel. 
• Umbrella insurance usually offers high coverage limits. 
• The majority of umbrella insurance policies cover you anywhere in the world, meaning that you can have peace of mind while traveling internationally. 
• It often covers expensive rental items and equipment that other insurance policies do not cover. 

Does Umbrella Insurance Have Any Cons? 

Even though umbrella insurance is great to have, it has certain downsides and limitations:

• You can purchase an umbrella insurance policy unless you already carry auto or home insurance. 
• If you get injured, umbrella insurance will not cover your own medical bills. 
• Damage to your personal property is also not covered by umbrella insurance. 

If you live in Reno, NV, and are considering purchasing umbrella insurance, Hinman & Associates Insurance is the right company to contact. At Hinman & Associates Insurance, we specialize in different types of insurance, including umbrella insurance. We are to answer your questions and provide detailed information about available insurance options. Reach out to us today to have coverage tomorrow. 

The Significance of Life Insurance for Your Peace of Mind

Life insurance is an essential financial safety net that offers both protection and peace of mind to you and your loved ones. At Hinman & Associates Insurance, servicing the whole of Reno, NV, we comprehend the necessity of having the appropriate coverage during critical times.

Marriage and Life Insurance

Tying the knot often means an increase in financial responsibilities. Life insurance can offer financial support to your spouse in the event of your untimely demise, helping to maintain their lifestyle and manage shared expenditures.

Life Insurance for New Parents

With the arrival of children, their financial well-being becomes a top priority. Life insurance can ensure they are provided for financially, covering costs such as childcare, education, and future aspirations.

Homeowners and Life Insurance

A mortgage is probably one of the largest financial commitments you’ll undertake. Life insurance can assist your family in paying off the mortgage or managing ongoing housing costs if your life is cut short, enabling them to stay in their home without financial stress.

Job Changes and Life Insurance

If you’ve been depending on employer-sponsored life insurance, job changes can leave you exposed. Owning your policy gives assurance of continued coverage, irrespective of your employment status, providing consistency and peace of mind.

Business Owners and Life Insurance

Entrepreneurs often invest significant time and resources into building their companies. Life insurance can protect your business partners and heirs by supplying funds to purchase your share of the business or settle outstanding debts in the tragic event of your death.

Life insurance is a valuable tool that offers financial security and protection for your loved ones during various stages of life. For personalized guidance and comprehensive life insurance solutions in the greater Reno, NV, area, reach out to Hinman & Associates Insurance today.

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.