Can You Drive a Motorhome With Your Car Insurance?

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A motorhome is a type of recreational vehicle that has its own engine, so it isn’t pulled by a separate auto. If you’ve decided to buy a motorhome and already have car insurance, you might wonder if it will cover your RV. While auto insurance may provide limited coverage of certain recreational vehicles, it’s generally best to sign up for a separate motorhome policy.

Auto Coverage for Motorhomes

Many car insurance companies include liability coverage for travel trailers, but not RVs with their own engines. If you rent a motorhome with no more than four wheels, car insurance may protect it. It’s important to make sure your policy provides this coverage. Usually, auto insurance won’t provide any protection for a self-propelled motorhome that you own.

Motorhome Insurance

To ensure that your recreational vehicle is covered, purchase a motorhome or RV policy. You can obtain liability, collision, and/or comprehensive coverage. Motorhome collision insurance primarily covers traffic accidents. A comprehensive policy insures your RV against other harmful events, such as theft, fires, and severe weather. Combine all three options for the most thorough protection.

What’s Required?

Regardless of whether you have car insurance, as a motorhome owner in Fontana, CA, you are required to carry separate motorhome liability coverage at a minimum. Know that different rules apply to self-propelled RVs in comparison to travel trailers. You may also need to have collision and/or comprehensive policies if you used a loan to purchase your RV.

Rock Hard Insurance Agency can help you find the right insurance for your motorhome. Our knowledgeable independent agents know how to quickly compare the options offered by multiple reputable insurers, making it possible to shop for a policy in one convenient place. To reach Rock Hard Insurance Agency, call 909-641-5067 today. You can also obtain quotes on our website. We’re currently serving Fontana, CA.

How RV Insurance Handles Damage From Severe Weather While Traveling

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When you’re on the road in your recreational vehicle, severe weather can strike without warning. Rock Hard Insurance Agency, serving Fontana, CA, understands that RV owners need comprehensive protection that follows them wherever their travels take them. Understanding how your RV insurance responds to weather-related damage is crucial for any road trip enthusiast.

Coverage for Storm Damage While Away From Home

Your RV insurance typically covers weather-related damage, regardless of where it occurs. Whether you’re caught in a hailstorm in Colorado or facing hurricane winds along the Gulf Coast, your comprehensive coverage should protect against damage from wind, hail, lightning, and falling objects. This protection extends to the exterior and interior of your RV, including any personal belongings stored inside that are covered under your policy.

Filing Claims on the Road

When severe weather damages your RV while traveling, the claims process doesn’t have to derail your trip. Most insurance companies offer 24/7 claim reporting through mobile apps or phone hotlines. Document the damage thoroughly with photos and contact your insurer immediately. Many insurers have networks of approved repair facilities nationwide, which can help you find quality service even when you’re far from home.

Emergency Expense Coverage

Many RV policies include emergency expense coverage that pays for lodging and meals when your RV becomes uninhabitable due to covered weather damage. This benefit ensures you’re not stranded without shelter while waiting for repairs to be completed.

Protecting Your Investment

Don’t let severe weather concerns keep you from enjoying the open road. Contact Rock Hard Insurance Agency, serving Fontana, CA, to review your RV coverage and ensure you’re properly protected against weather-related risks during your travels.

Motorcycle Insurance Coverage For Damage While in Transport

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Motorcycle owners often focus on protection while riding, but risks don’t stop once the bike is parked. Transporting a motorcycle, whether on a trailer, in the back of a truck, or through a shipping company, introduces its own set of hazards. Many riders in Texas ask a simple question: Will insurance cover damage that happens in transit? Here’s what your insurance representative at Rock Hard Insurance Agency, serving Fontana, CA, wants you to know.

Understanding Standard Coverage

Most motorcycle insurance policies cover accidents, theft, or vandalism when the bike is being ridden. However, standard coverage may not automatically extend to situations where the bike is strapped down and hauled. If a tie-down fails or another vehicle collides with your trailer, the outcome may not fall neatly into your basic policy’s protections.

When Transport Coverage Applies

Comprehensive and collision coverage can provide protection during transport, but the specifics depend on the policy. Comprehensive coverage often applies to non-collision events such as theft or fire, while collision coverage can apply if the bike is damaged in a crash during hauling. Riders who regularly transport their motorcycles should confirm that their coverage follows the bike, not just the rider.

Special Considerations

If a third-party transport company is used, their insurance may come into play. However, limits and exclusions often apply. Reading the fine print and knowing whether your own policy fills the gaps can help prevent unpleasant surprises if damage occurs. For high-value or custom bikes, additional coverage might be worth considering.

A motorcycle is an investment and a passion. Ensuring your motorcycle insurance through Rock Hard Insurance Agency, serving Fontana, CA, covers the bike in transit means fewer worries when heading to rallies, track days, or cross-country moves. Protection shouldn’t end just because the kickstand goes up.

Coverage for Fishing Gear, Electronics, and Onboard Equipment

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Whether you’re out chasing trophy bass or cruising the coast with friends, your boat is more than just a vessel; it’s an investment in your lifestyle. If you’ve outfitted it with high-end fishing gear, navigation electronics, or other specialized equipment, protecting that investment becomes even more important. At Rock Hard Insurance Agency in Fontana, CA, we help boat owners understand how to ensure all their onboard extras are properly covered.

Don’t Assume It’s All Included

Standard boat insurance typically covers the hull, motor, and basic liability. But what about that top-tier fishfinder, your trolling motor, or the rods and reels you’ve carefully collected over the years? These valuable items often fall into a gray area. Some policies may offer minimal coverage for personal effects or equipment, while others exclude them entirely unless you add specific endorsements.

It’s essential to take inventory of what’s on your boat and talk to your insurance provider about what is and isn’t covered. If your gear is damaged in a storm, stolen at the dock, or even lost overboard, knowing you have the right protection makes all the difference.

Tailor Your Policy to Your Lifestyle

No two boaters are the same. Anglers have different needs than weekend cruisers, and you deserve a policy that reflects how you use your boat. Whether you’re storing gear onboard year-round or only during fishing season, coverage can be customized to fit your situation.

At Rock Hard Insurance Agency in Fontana, CA, we’re here to help you build the right protection for your boat and everything on it. Before your next adventure on the water, let’s make sure your equipment is as protected as your hull. Give us a call today to review your policy and explore your options.

Auto Insurance and Rental Cars: Are You Covered When Driving Something Else?

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Let’s face it—renting a car can be exciting. Whether you’re heading out on vacation, your car is in the shop, or you need something larger for a weekend move, renting a vehicle offers convenience and flexibility. But before you hit the road in that rental, it’s important to ask: Does your personal auto insurance cover you? At Rock Hard Insurance Agency in Fontana, CA, we often hear this question, and it’s a great one.

Does Your Policy Extend to Rentals?

In many cases, the answer is yes. If your personal auto insurance includes liability, collision, and comprehensive coverage, those protections may extend to a rental car. This means that if you cause an accident or the rental is damaged, your existing insurance might help cover the costs. However, there are limitations. For example, if you typically drive an older sedan and rent a high-end SUV, your policy may not fully cover the value of the rental vehicle.

Should You Take the Rental Company’s Insurance?

When renting a car, the rental company typically offers additional insurance options, such as a collision damage waiver or liability coverage. While it may be tempting to decline these options to save money, they can provide extra peace of mind, especially if your current policy has high deductibles or limited coverage.

Know Before You Go

The best way to avoid surprises is to contact your insurance provider before picking up the rental car. Every policy is different, and it’s better to clarify your coverage upfront than deal with unexpected claims later.

If you’re unsure whether your personal auto insurance covers rental cars, reach out to Rock Hard Insurance Agency in Fontana, CA. Our team will walk you through your options and ensure you’re protected no matter what you’re driving.

Who Needs Errors and Omissions Insurance

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If you provide professional advice or services for a fee to customers in Fontana, CA, you likely need errors and omissions (E&O) insurance. Businesses offering these types of services are at risk of lawsuits if their actions or advice result in financial harm. Rock Hard Insurance Agency can help you understand how this type of commercial insurance policy can protect your business investment.

The Importance of Errors and Omissions Insurance

In today’s litigious society, E&O insurance is essential for protecting your business from lawsuits, even frivolous ones. This type of policy can help cover legal fees and settlement costs if a client claims your business caused an error or omission while providing services. Without E&O insurance, your company could face substantial financial losses and may even risk closure if a lawsuit is filed against you. Having an E&O policy provides peace of mind, knowing your business is protected.

Claims covered by E&O insurance include:

  • Errors or omissions in provided services
  • Negligence
  • Inaccurate advice
  • Misrepresentation
  • Violation of good faith

Professions That Need E&O Insurance

Some companies may require you to purchase E&O insurance when entering into a contract. The most common professions that utilize E&O insurance include real estate, insurance, information technology, and tax preparation. Additionally, you should consider E&O insurance if you work in any of the following fields:

  • Graphic arts and design
  • Advertising
  • Marketing
  • Interior design
  • Consulting
  • Law

In some professions, obtaining an E&O policy may be necessary to secure or renew a license. The extent of coverage you need depends on the services you provide and, in some cases, the number of employees you have. Learn more about customizing E&O insurance to protect your business investment. Contact the professionals at Rock Hard Insurance Agency, serving Fontana, CA, to schedule an appointment.

Moving to Fontana? Add Renters Insurance to Your Checklist

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There are beautiful communities all throughout San Bernardino County, so it’s no surprise you’re moving to Fontana, CA. Whether you’re choosing to rent a condo, house, or apartment, adding renters’ insurance to your checklist is vital. It doesn’t have to be a complicated task, and our Rock Hard Insurance Agency agents can help.

Why is Renters’ Insurance Important?

Renters’ insurance is important because it protects everything you own. The condo, house, or apartment owner will have insurance on the building itself. That means that if the building is damaged, they’ll file their own claim to get the money necessary to fix or rebuild. However, their insurance doesn’t cover your belongings.

If there’s a fire, a flood, or a break-in, your items could be damaged or stolen. The cost to repair and replace your items shouldn’t be a financial burden for you to endure, which is why renters’ insurance is a necessity.

This way, you have protection for everything you own inside the Fontana home—furniture, clothing, appliances, electronics, and even artwork, keepsakes, and other items.

Customizing Your Policy

Your policy may differ from that of another renter in the area for a few reasons. Your items may have a higher or lower value, and your rental property may also be more or less likely to experience problems.

For example, if you live in an area with more break-ins, you’ll want higher coverage.

If you live in an area close to the water, you may want more flood coverage.

Get Great California Insurance Options at Rock Hard Insurance Today

There are many considerations when you look at renters’ insurance in Fontana, CA. You don’t want to buy a policy solely on price because it may not offer enough protection. Our experienced agents can ask questions and build a policy that you can count on.

Contact us at Rock Hard Insurance Agency today, and we’ll help you cross insurance off of your moving checklist.

Motorhome Insurance: Like Home Insurance on the Road

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When you leave home, it’s always reassuring to know that your home is safeguarded with the right insurance solutions. And when you leave in your home, many of the same benefits are offered through comprehensive motorhome insurance plans. That’s why people from all around Fontana, CA, turn to the proven and trusted team at Rock Hard Insurance Agency for all their motorhome insurance questions and needs.

Motorhome Insurance: Like Home Insurance on the Road

Indeed, motorhomes can offer a great escape, a chance to travel in luxury, and a fun experience for the entire family. However, let’s be honest, motorhomes don’t necessarily provide the same type of protection our homes do – and we insure homes, right? From accident protection to safeguarding your motorhome from theft and more, motorhome insurance is like home insurance on the road.

That kind of assurance and protection is also why motorhome owners in and around Fontana, CA turn to the professional and friendly team at the Rock Hard Insurance Agency. When it comes to protecting the things you care about, the right insurance solutions can make a difference, whether at home or on the road.

Find Motorhome Insurance Solutions in Fontana, CA

Are you a motorhome owner and live in the greater Fontana, CA area? Do you have questions or want to learn more about protecting your motorhome with insurance? Our team at Rock Hard Insurance can help. Contact us for more information and get the coverage you and your motorhome need and deserve with our friendly and professional agents at the Rock Hard Insurance Agency today.

RV Insurance Gets You Towed After a Breakdown

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Breaking down in a motorhome creates a problematic situation, as the RV requires a heavy-duty tow vehicle to get it off the road and to a repair center. To get this kind of assistance, you need additional RV insurance coverage, known as towing and& labor and roadsidef assistance. At Rock Hard Insurance Agency in Fontana, CA, we understand the challenges faced by motorhome and RV owners. Here’s a look at how you can get your RV towed after a breakdown with insurance.

Securing the Right Kind of Roadside Assistance

A towing company is usually equipped to tow trucks and cars, but it won’t have the equipment for larger vehicles. Finding a towing company that’s capable of towing a motorhome, RV, or RV tow vehicle can be difficult. However, if you add roadside assistance and towing & labor coverage to your RV insurance, you’ll have an easier time getting the help you need.

Roadside Assistance

The insurance company typically provides 24/7 access to emergency assistance and professionals who can help you with everything from changing a flat tire to towing with the correct tow vehicle.

Towing & Labor

This type of coverage pays for the cost of towing your RV or motorhome to a service center. The cost of getting large vehicles towed is more costly, but this type of coverage reduces the amount you have to pay out-of-pocket for the tow. It will also pay for any labor costs that are incurred during the towing process.

Get Protected Against Your RV or Motorhome Breaking Down

At Rock Hard Insurance Agency, we can help you recover from a breakdown by providing the right insurance coverage. Contact our Fontana, CA office to speak to one of our agents today and get started on protecting yourself against the unknown.

How Motorcycle Insurance Companies Navigate Totaled Motorcycles

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When we hear the term "totaled," we often envision a motorcycle crumpled into a ball after an auto accident. However, in insurance terms, "totaled" or "total loss" refers to a vehicle whose repair costs exceed its actual cash value. When your motorcycle reaches this stage, our team can discuss your options.

Does Motorcycle Insurance Cover Total Loss Bikes?

Motorcycle insurance covers the actual cash value of totaled bikes, which may be lower than the price you paid for it. Any remaining amount is your responsibility. To determine the actual cash value of your motorcycle, Rock Hard Insurance Agency considers factors such as:

  • Age
  • Condition/Maintenance
  • Mileage
  • Market Value
  • Current Value of Similar Motorcycles in Fontana, CA
  • Independent Vehicle Guide Valuations
  • Depreciation
  • Supply and Demand in Fontana, CA
  • Modifications and Upgrades
  • Salvage Value

California law defines total loss as a situation where the salvage value plus the cost of repairs is equal to or greater than the actual cash value. We may use other estimates and assessments that are not on the list.

Who and What Pays for Total Loss Motorcycles?

California is an at-fault state, so if another driver caused the accident, the driver’s motorcycle insurance pays for it. If you’re at fault, you use your motorcycle insurance. The cause of the totaled motorcycle determines the type of coverage used.

Collision covers motorcycles totaled in an accident with a vehicle or object. Property damage liability covers motorcycles totaled in a motorcycle accident. Comprehensive covers motorcycles totaled in severe weather, fire, vandalism, theft, or animal accident. Uninsured/underinsured motorist covers motorcycles totaled in any accident where the at-fault driver has little or no insurance. Total loss insurance covers totaled bikes two years old or less.

That simplifies how motorcycle insurance operates in a total loss situation. Rock Hard Insurance Agency will talk more about the details and complexities of motorcycle insurance. Call 909-641-5067 or visit our office for more information.

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