Understanding Liability Coverage: What Happens If Someone Gets Hurt in Your Apartment?

Posted on October 31, 2025October 22, 2025 by admin

Accidents can happen anywhere, even in the comfort of your own home. But what happens if a guest slips, trips, or gets injured while visiting your apartment? That’s where liability coverage, a key component of renters insurance, comes in. Modern Choice Insurance, serving Las Vegas, NV, offers a range of insurance solutions to residents, including comprehensive renters insurance policies.

What Liability Coverage Does Renters Insurance Offer?

Liability coverage protects you financially if someone is injured in your rental and you’re found responsible. Whether it’s a guest slipping on a newly mopped floor or tripping on an area rug, this coverage can help with medical expenses, legal fees, and legal settlements. It also extends beyond your apartment, often covering incidents that you may cause elsewhere, such as accidental damage to another person’s property.

Why Does It Matter for Renters?

Many renters assume that their landlord’s insurance will handle these situations. However, that’s rarely the case. A landlord’s policy typically covers the building itself, not your personal responsibility for injuries or damages. Without liability protection, you could be left paying significant out-of-pocket costs.

Real-World Scenarios

Imagine that you have a friend visiting your apartment and they suffer a burn in the kitchen or get bitten by your dog. In both cases, liability coverage would likely step in to help cover the medical and legal costs. It’s designed to cover you and your finances when unforeseen accidents occur.

Protect Yourself and Your Guests

Liability coverage provides peace of mind that you’re prepared for life’s surprises. Speak with our team at Modern Choice Insurance, serving Las Vegas, NV, to review your renters insurance policy and ensure you have the coverage you need to stay protected.

Umbrella Insurance And Defamation Lawsuits

Posted on September 30, 2025September 23, 2025 by admin

Umbrella insurance in Las Vegas, NV, is designed to provide financial protection when you’re facing a liability lawsuit. Defamation lawsuits are among the most common types of liability cases, especially for high-net-worth individuals. Fortunately, this type of policy can offer valuable support.

Paying for a Legal Team

Umbrella insurance policies can help cover the cost of hiring a legal team, so you don’t have to pay out of pocket for an attorney. Many insurance companies offering this coverage have a network of attorneys to help you find a reputable lawyer quickly. Speak with an insurance agent at Modern Choice Insurance to learn more about this process.

Settlement Payments

These policies often cover the cost of a judgment against you in a defamation lawsuit, ensuring your assets are protected. However, it’s important to note that coverage is limited to the policy’s maximum limit. For example, if the other party is awarded $1.5 million and your policy has a $1 million coverage limit, you would be responsible for the remaining $500,000.

Additional Expenses

Umbrella insurance may also cover additional expenses incurred during the lawsuit, such as expert testimony fees or court filing costs. These smaller fees can quickly add up to a significant amount. Coverage for these expenses varies by company, so it’s important to ask about specific policy details.

Common Exclusions

While umbrella insurance can be helpful, there are situations where claims may be denied. Many companies will deny claims for defamation lawsuits if the act was intentional and malicious. For instance, if you deliberately make harmful statements about someone to damage their reputation, this would likely be considered malicious and excluded from coverage.

Defamation lawsuits can be stressful, but agents at Modern Choice Insurance are here to help you learn more about umbrella insurance. Contact us today to discuss your options. We proudly serve the Las Vegas, NV, area.

Is Specialized Insurance Required for My Motorcycle in Nevada?

Posted on August 29, 2025August 26, 2025 by admin

Motorcyclists living in Las Vegas, NV, enjoy the freedom of cruising around the city and surrounding areas, as long as they have the state-required liability insurance. This policy ensures coverage for injuries and damage to other drivers in the event of an accident. With a call to our team at Modern Choice Insurance, we’ll discuss liability coverage, answer any questions, and review optional coverage options to protect your bike.

About Specialized Motorcycle Insurance

For drivers in Las Vegas, NV, who own a classic motorcycle, a separate specialized insurance policy may be required. This type of policy can cover the cost of restoring the bike, purchasing new or replacement parts, and acquiring special tools. When you speak with our agents, we can help determine if your motorcycle qualifies as a classic and requires specialized coverage.

Optional Motorcycle Insurance

Motorcycle owners face various risks, whether on the open highway or driving around town. Accidents, damage, and even natural disasters can occur unexpectedly, making optional coverage a valuable addition to your policy.

Collision Coverage: If an accident occurs, such as colliding with another vehicle, collision coverage helps cover the repair costs for your motorcycle.
Comprehensive Coverage: For non-collision situations, comprehensive insurance covers damage sustained by your bike. This includes protection against vandalism, theft, and natural disasters.
Uninsured/Underinsured Coverage: If you’re involved in an accident with a driver who is uninsured or whose policy doesn’t fully cover the damage to your motorcycle, this coverage ensures you’re protected.

Contact Us

Ride your motorcycle with confidence by ensuring you have the right coverage to protect both you and your bike. Call us at Modern Choice Insurance to discuss your options. Whether you’re commuting to work, heading out for a weekend getaway, or embarking on an on-the-road adventure, we’ll make sure you’re covered from fender to fender.

Using Life Insurance To Pay For The Funeral: How It Works

Posted on July 31, 2025July 22, 2025 by admin

Funerals can cost thousands of dollars, and payment is often required upfront. Unfortunately, many people don’t have the funds readily available to cover the unexpected passing of a loved one. Life insurance payments can help cover funeral costs, but the process can sometimes be confusing.

Planning the Funeral

Most funeral homes will work with you to plan a funeral within your budget, which may depend on the amount of life insurance coverage available. A professional at the funeral home will discuss payment options and assist you in using the life insurance policy to cover funeral expenses.

Contacting the Life Insurance Company

Typically, the funeral home will contact the life insurance company, such as Modern Choice Insurance, to verify the policy. The funeral home may need personal information about the deceased or the beneficiaries to confirm the policy’s existence and ensure the payout will cover the funeral costs.

Contractual Agreement

Many funeral homes in Las Vegas, NV, require beneficiaries to sign a contract stating that a portion of the death benefit will be used to cover the funeral expenses. This agreement is often completed during the funeral planning process, allowing the funeral home to proceed without requiring additional visits from the beneficiaries.

Death Benefit Payout

The portion of the death benefit allocated for funeral costs is typically deducted automatically and sent directly to the funeral home. The remaining balance is then distributed among the beneficiaries in accordance with the policy terms.

At Modern Choice Insurance, we understand this can be a difficult time. Our compassionate representatives are here to help you navigate the process and answer any questions you may have about death benefit payouts. Contact us today for assistance. We proudly serve the Las Vegas, NV area.

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.

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