Hidden Risks: What Las Vegas Condo Owners Must Know!

Posted on June 30, 2025June 19, 2025 by admin

Owning a condo in Las Vegas, NV, offers stunning views and proximity to exciting attractions. However, living in a condo comes with hidden risks that can impact your financial security. Understanding these risks is essential for building a condo insurance policy you can rely on. At Modern Choice Insurance, we’re here to guide you every step of the way.

Identifying the Risks

When you purchased your condo insurance policy, did you take the time to explore all the risks that could affect you? Many people overlook potential hazards, which can lead to significant trouble if they are not addressed.

If your policy doesn’t cover certain risks, you could file a claim only to have it denied. Fortunately, there’s a way to prevent that from happening.

Consider the possibilities: someone could break into your home, or a neighbor in the unit next to you, above you, or below you could cause a fire or water damage—such as an overflowing tub—that impacts your unit. Depending on your location in Las Vegas, there may be additional risks to consider as well.

Building a Custom Policy

As a trusted agency in the Las Vegas area, we understand the unique risks condo owners face. With years of experience working with clients, we’ve seen a wide range of issues.

A custom policy allows you to address these risks and build coverage tailored to your needs, ensuring you’re protected no matter what happens.

Working with a Professional Agent

There’s no need to wonder if your condo insurance policy is sufficient when you work with our agents at Modern Choice Insurance. We’ve helped residents of Las Vegas, NV, for years, and we’re well-versed in identifying hidden risks.

Let us help you create a policy that fits your lifestyle and provides peace of mind. Contact us today to learn how one of our agents can assist you.

Do You Need Motorhome Insurance for Vacation Motorhomes in Las Vegas?

Posted on May 30, 2025May 27, 2025 by admin

If you own a vacation motorhome in Las Vegas and are looking to explore the Vegas strip or journey to Red Rock Canyon, it’s crucial to understand your specific insurance needs. You might be wondering whether you need specialized motorhome insurance on a seasonal basis or year-round. At Modern Choice Insurance in Las Vegas, NV, our focus is on helping you determine the most suitable insurance policies for your needs that also adhere to laws and local regulations.

Your Legally Required Coverage

As a motorhome owner, even if it is only for vacation use, it’s vital to carry a 25/50/20 liability insurance coverage. Minimum state insurance is necessary to protect you and surrounding parties from potential accidents and collisions, even if they occur through no fault of your own. When comparing liability insurance policies, we highly recommend considering a 100/300/100 protection plan for optimal coverage.

Extra Coverage Worth Considering for Vacationing Motorhome Owners

Even when vacationing in your motorhome in Las Vegas, it’s essential to ensure you have ample coverage for a relaxed trip. Below are a few savvy options that travelers often add to their policies before embarking on their motorhome holiday in the state:

Vacation Liability: An extension of bodily injury protection if your motorhome is being used as a temporary residence.
Comprehensive/Collision: Safeguards against damage from accidents, flash floods, and storm-related damage.
Roadside/Towing: A must-have for any vacationing traveler.
Personal Effects: Covers clothing, e-bikes, and even lost laptops.
Full-Timers: This is an option for individuals who spend at least 150 days in their motorhomes. In Nevada, your motorhome can be treated as a mobile home.

Whether you’re a first-time visitor to Las Vegas in your motorhome or a lifetime resident of Las Vegas, NV, having adequate protection is essential year-round. At Modern Choice Insurance, we’re committed to helping you find the motorhome policy that best suits your needs. To learn more and schedule a consultation, contact us today.

What’s Covered Inside Your RV—From Furniture to Appliances

Posted on April 30, 2025April 22, 2025 by admin

For many RV owners, their vehicle is more than just a mode of travel—it’s a home on wheels. Whether you’re a weekend adventurer or living life on the road full-time, safeguarding what’s inside your RV is as crucial as insuring the exterior. At Modern Choice Insurance, serving the community in and around Las Vegas, NV, we help RV owners understand exactly what’s covered under their insurance policies, especially when it comes to the interior.

Your Belongings Matter

Inside your RV, you’ve likely invested in everything from comfortable furniture to essential appliances. Most standard RV insurance policies offer personal property coverage, which helps replace or repair items such as couches, mattresses, TVs, and even kitchen equipment if they are damaged or stolen. Whether you’ve customized your space or stuck with the factory setup, your belongings are part of what makes your RV feel like home, and they deserve protection.

Appliances and Built-Ins

Many RVs come equipped with built-in appliances such as ovens, refrigerators, and air conditioners. These items are often considered part of the vehicle and may be covered under your comprehensive policy. However, if you’ve added aftermarket appliances or upgrades, you’ll want to ensure they’re specifically listed in your policy. Not all insurance plans automatically include high-end upgrades or portable items so that a quick review can go a long way.

Travel with Confidence

Understanding what’s covered inside your RV can help you travel with confidence. If you’re unsure about your current coverage or want to ensure everything inside your RV is fully protected, reach out to Modern Choice Insurance, serving the greater Las Vegas, NV region. We’re here to help you plan for the unexpected so that you can enjoy the journey ahead.

Does Renters Insurance Cover Identity Theft or Cybercrimes?

Posted on March 28, 2025March 25, 2025 by admin

In today’s digital world, protecting yourself isn’t just about locking your doors—it’s also about safeguarding your personal information. Cybercrimes and identity theft are on the rise, leaving many renters wondering if their insurance policy offers any protection. At Modern Choice Insurance, providing renters insurance to residents in and around the greater Las Vegas, NV area, we help renters understand what their policies cover and how they can stay protected against modern threats.

Does Renters Insurance Cover Identity Theft?

Standard renters insurance is designed to cover physical losses, like stolen belongings or property damage, but it typically does not include identity theft protection by default. However, many insurance providers offer an optional identity theft endorsement that can be added to your policy. This coverage can help with the costs of recovering your identity, such as legal fees, lost wages due to time spent resolving the issue, and even expenses related to restoring your credit.

What About Cybercrimes?

Cybercrimes, such as online fraud or hacking, are generally not covered under a basic renters insurance policy. However, some insurers offer cyber liability coverage, which can help protect against financial losses due to cyberattacks, data breaches, or fraudulent online transactions. Adding this coverage may be a wise investment if you frequently shop online, use digital banking, or store sensitive information on your devices.

Protect Yourself from Digital Threats

While renters insurance may not automatically cover identity theft or cybercrimes, there are ways to enhance your protection. Modern Choice Insurance, serving the Las Vegas, NV region, can help you explore your options and find a policy that fits your needs. Contact us today to learn how to stay protected in the physical and digital world!

The Big Three In Deciding on Umbrella Insurance

Posted on February 28, 2025February 24, 2025 by admin

If you’ve ever considered getting umbrella insurance, you’ve likely asked yourself questions like, "Do I need it?", "Would it benefit me?" or "How could an umbrella insurance policy help?" These are some of the reasons why people in the Las Vegas, NV area turn to the professional and experienced team at Modern Choice Insurance for all their umbrella insurance needs.

Three Key Factors in Deciding on Umbrella Insurance

While it’s clear that homeowners need home insurance and vehicle owners need auto insurance, the need for umbrella insurance isn’t as straightforward. In most cases, an umbrella insurance policy can provide additional protection if you have policies such as home and auto insurance. While umbrella insurance can help in many situations involving liability, the real question is about how much insurance you need.

Three key factors can help determine whether you need umbrella insurance and how much coverage is right for you. These factors include your assets (what you have to lose), your risk factors (which influence your potential need for protection), and the total amount of loss you could incur in a worst-case scenario. At Modern Choice Insurance, we are here to help with all your insurance questions and to provide the protection and coverage you need.

Umbrella Coverage for Las Vegas, NV Area Residents

If you live in the Las Vegas area and have questions or need umbrella insurance solutions, we can help. Contact us to learn more and schedule an appointment with our friendly and professional team at Modern Choice Insurance for the umbrella insurance you need and deserve today.

Exploring Nevada by Motorcycle

Posted on January 31, 2025January 27, 2025 by admin

The mild weather in Nevada allows motorcyclists to enjoy riding all year. But what roads offer the most fun and the greatest views throughout the state? In today’s Modern Choice Insurance blog, we answer that question with the help of Motorcycle Nerd and Great Motorcycle Roads. Whether you want to explore the area around Reno or Las Vegas, NV, or you yearn for a desert ride, this list offers enough ideas to fill your riding year.

1. Mount Charleston Loop

Nearly 41 million people visit Las Vegas each year, according to Vegas Primer. But there’s more to explore than The Strip. Rent a motorcycle and head north 20 miles to explore the Mount Charleston Loop. The ride lasts one hour and includes NV-156, NV-157, NV-158, and NV-95. This route features the curves of Deer Creek Rd. and views of the Mt. Charleston Mountain range and the pine forest along the roadsides.

2. Red Rock Canyon Road

Before leaving Las Vegas, explore Red Rock Canyon Road. This one-hour ride encompasses 24 miles of natural beauty. Take NV-159 20 miles south of Vegas and enjoy Scenic Loop Dr. You’ll pass through the Red Rock Canyon National Conservation Area, a perfect place to stop for a hike.

3. Pyramid Lake, Empire, Black Rock Desert

From Reno, drive north on 445 to reach Pyramid Lake. Picnic on its gorgeous shores, then head back out on 446, junctioning with 447. Continue north to explore Empire, a ghost town once a thriving mining town of US Gypsum employees. Heading further north, explore Gerlach, the entry point to the Black Rock Desert.

4. Nelson, Techatticup Gold Mine, and Searchlight

Can’t get enough of ghost towns? Head south from Las Vegas on I-51, then take NV-165 east to Nelson. In this gold mining ghost town, you can still tour the now-defunct Techatticup Gold Mine and what remains of the town. Head north to I-51/NV-95 to traipse further south to Searchlight, another ghost town of merit.

5. Lake Tahoe, Carson City, and Washoe Lake

From Reno, head south on 431 to enjoy forested mountain views. Stop for lunch in Incline Village, on the coast of Lake Tahoe. Leaving Tahoe, go south on 28, then head east on US-50 until you reach the Highway 395 Alternate junction. Take 395 Alt North to explore Carson City, then go north to return to Reno, passing by Washoe Lake and going through the desert. Driven without stops, this 101-mile journey takes nearly three hours.

6. Hoover Dam, Lake Mead, Valley of Fire

Nearly everyone who visits Nevada visits Hoover Dam. Since you’ll probably visit it anyway, here’s an exciting two-hour ride of 103 miles that departs from Hoover Dam and goes to the Valley of Fire. This breathtaking ride includes Lakeshore Rd., NV-167, and Valley of Fire Highway. Head northwest on Lakeshore Rd. Along Lake Mead’s coastline, then take NV-167 to reach Valley of Fire. This ride provides lake views, Aztec sandstone, and desert.

Contact Our Agency Today

Before pulling out of your Las Vegas, NV, driveway, call or email Modern Choice Insurance for a motorcycle insurance review. Make sure your bike has the coverage it needs before exploring Nevada.

How the Rise of Childfree Lifestyles is Shaping Life Insurance Policies

Posted on December 23, 2024December 21, 2024 by admin

The rise of child-free living has opened the door to a more personalized approach to life insurance. As more people embrace childfree lifestyles in Las Vegas, NV, the dynamics of life insurance are evolving. Traditionally, life insurance policies have been designed with the assumption that the policyholder’s primary concern is providing for children and dependents in the event of death. However, with the growing trend of choosing not to have children, insurers are adapting to meet the needs of those who may not have the same financial responsibilities or long-term dependents.

Rethinking the Need for Coverage

For child-free individuals, life insurance needs are often less about replacing lost income for dependents and more about covering other aspects of life. This may include paying off personal debts, covering funeral expenses, or ensuring that aging parents or a spouse are financially supported. As the focus shifts away from children, insurers are offering more flexible policies that allow for customized coverage, reflecting the unique priorities of child-free policyholders.

Some child-free individuals may also be more concerned with preserving their estate or leaving a legacy for charitable causes. Insurers have responded by providing products that allow for easier beneficiary designations or policy options that cater specifically to individuals who wish to support causes or family members without children.

Understanding Premiums and Coverage Adjustments

Childfree policyholders may also experience differences in premium rates and coverage limits compared to those with children. Since the financial risks of supporting dependents are not a factor, insurers may offer reduced premiums or smaller coverage amounts, depending on the individual’s financial situation and objectives.

Contact Modern Choice Insurance for Your Insurance Needs

Modern Choice Insurance underwrites policies to fit our customers’ needs. We serve Las Vegas, NV, and the surrounding cities. Contact us today.

What types of coverage does condo insurance provide?

Posted on November 25, 2024November 22, 2024 by admin

Condos are a hot commodity in Las Vegas, NV. With thousands of units, they offer an easy and more affordable way to enter a very active housing market. Once you own a condo, it’s important to have the right insurance to ensure it’s covered no matter what happens. At Modern Choice Insurance in Las Vegas, NV, we are an independent insurance agency and provide our customers with the personalized service they require.

Property

Property insurance for a condo is not exactly the same as it is for an individual home. The condo owner is not responsible for the unit’s exterior maintenance and all the common areas. The property insurance for your condo will begin when the coverage provided by the condo master policy, which the homeowners’ association has on the units, ends. It can be from right inside to the exterior walls or the inside walls.

Content

The content insurance on a condo is the same as on a home. You can choose between current value and replacement cost.

Liability

Liability coverage on a condo unit also depends on the coverage provided by the condo master policy. Condo owners are not responsible for injuries in the common areas. Your condo liability will cover injuries by family members within and away from your unit.

Loss of use

Loss of use coverage will help provide a place to stay if your unit is damaged and you are unable to live in it. It can also provide some meals if you are unable to cook.

Contact Modern Choice Insurance in Las Vegas, NV, and let our team help you find the right condo coverage.

Do You Need Motorhome Insurance When You’re Not Traveling?

Posted on October 28, 2024October 23, 2024 by admin

If you own a motorhome in the Las Vegas, NV area and don’t live in it full-time, you may wonder whether it needs to be insured when you’re not driving it. The basic answer is yes, you should still have motorhome insurance when it’s parked in your yard, driveway, or storage facility because there’s more to protecting yourself from risk than just covering yourself around other drivers. At Modern Choice Insurance, we can help you get the best policy for your needs.

Work with Trusted Agents

Our agents will work with you by answering your questions and reviewing any insurance you already have on your motorhome. We can also help you find your first policy if you’re just buying an RV and don’t have coverage. The goal is to ensure you have the right protection, and that’s easier than ever when you have a trusted agent to help. You don’t have to play guessing games with your insurance or wonder if you’re fully covered when you come to us.

Keep Your Policy Active

Even when your motorhome isn’t out on the road, there’s still a risk of loss. That’s why you don’t want to cancel your coverage when it’s parked for the winter months or anytime you’re not using it to travel. You may want to look for a policy that adjusts your coverage when you’re going to be off the road for extended times, but it’s important to have a policy in place all throughout the year. Working with an agent makes that so much easier and more convenient.

Contact Modern Choice Insurance Today

Contact us today at Modern Choice Insurance if you’re in the Las Vegas, NV area and looking for motorhome insurance. We’re here for you and will help you find the right policy for your lifestyle.

The Role of RV Insurance in Protecting Your Personal Belongings on the Road

Posted on September 30, 2024September 28, 2024 by admin

Embarking on a journey in your RV presents an unparalleled sense of freedom and adventure, combining the convenience of exploring with the comfort of a home on wheels. At Modern Choice Insurance, serving the Las Vegas, NV region, we understand the necessity of protecting your RV and the personal belongings that accompany you on the road.

Protecting Your Home Away From Home

An RV is not merely a vehicle; it’s a portable home filled with personal belongings, ranging from electronics to kitchen essentials. RV insurance is pivotal in securing these items against theft, damage, or loss. Since standard auto insurance typically does not encompass personal belongings, having specialized RV insurance is pivotal for peace of mind.

Understanding Coverage Options

While considering RV insurance, it’s crucial to look beyond basic coverage. Comprehensive RV policies potentially cover personal possessions inside your RV, offering protection akin to homeowners insurance. You’re covered if items like your laptop or camping equipment are stolen or damaged due to an accident.

What to Look For

When choosing an RV insurance policy, consider the total value of your belongings and opt for coverage limits that cater to your requirements. Some policies may offer replacement cost coverage, ensuring you receive the full value for items lost or damaged, negating the factor of depreciation.

At Modern Choice Insurance, we are pleased to extend our RV insurance services in and around the greater Las Vegas, NV area. We are committed to helping you find an ideal RV insurance policy for your lifestyle. Reach out to us today to learn more about protecting your mobile home and all the valuable possessions inside.

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