Coverage For a Recreational Vehicle That Will Be Towing Another Vehicle

Certain steps ensure the security of your travel trailer when towing another vehicle. Additionally, seeking appropriate insurance add-ons can provide protection for both your RV and the towed vehicle.

Investing in Towing Equipment

You need to consider the kind of towing equipment suitable for your vehicle. The equipment should match the weight class of the vehicle being towed. Towing essentials may include a hitch, a tow bar, and a trailer. Invest in alert lights for the safety of fellow motorists when towing is in progress.

Exploring Coverage Options

Next, review the insurance coverage options offered by your agency. It is crucial to have insurance that covers the safety of your vehicles while they’re on the move and stationary. Such coverage should also partially or fully cover repair or replacement costs if your vehicles suffer damages or theft when being driven or towed.

Understanding the Insurance Paperwork

After acquiring the necessary coverage, make sure you review and understand the associated insurance paperwork. Familiarizing yourself with the specifics of your coverage and responsibilities can save you unnecessary stress when filing an insurance claim.

Seeking More Information

Consult an insurance representative to seek clarification regarding your coverage specifics. Don’t hesitate to reach out to a representative from our Rock Hard Insurance Agency. Agents serving Fontana, CA, will gladly discuss the RV coverage provided by your policy.

Accessory Coverage with Your Motorcycle Insurance

Motorsports are big in Southern California. If you customize your bike, you will need motorcycle accessory coverage.

Accessory coverage is an add-on to your motorcycle policy that covers repairs and replacements for customized parts on your bike. At Rock Hard Insurance Agency, serving Fontana, CA, we recommend accessory coverage for all our customers who have added extras to their bikes.

What’s Covered with Motorcycle Accessory Coverage?

Something that isn’t factory standard for your motorcyclist is usually classified as an accessory. This kind of insurance covers aftermarket additions to your motorcycle, even if you buy your motorcycle used and the previous owner added them.

Accessory coverage safeguards:

  • Custom paint jobs.
  • Custom seats and wheels.
  • Chrome.
  • Handlebars.
  • Saddle bags.
  • Electronics.
  • Your helmet, jacket, and protective gear (if these are written into your policy).

If you are continuously adding to your bike, you will want motorcycle accessory coverage.

How Motorcycle Accessory Coverage Works

If you ride a motorcycle in California, you must have liability insurance. But it is important to know that liability insurance only covers damage done by your bike, not damage is done to your bike. Comprehensive and collision insurance covers damage to your bike. But they don’t necessarily cover accessories. You will need comprehensive or at least collision coverage to get insurance for your accessories. If you opt for collision coverage, then your policy only pays when the add-ons for your bike are damaged in a collision. If you get comprehensive, they are also covered for vandalism and theft.

Your Rock Hard Insurance Agency agent can advise whether you need a separate rider for each accessory. Usually, your comprehensive or collision rider will cover accessories up to a stated dollar value. If you spend more on accessories than the stated limit in your policy, Rock Hard Insurance can ensure you get all the coverage you need.

Does My Boat Qualify for a Luxury Insurance Policy?

Boat owners in Fontana, CA who keep their watercraft in a nearby harbor should have a separate insurance policy to cover damage to their watercraft if an incident occurs. If this is your first time owning a boat, you need to know what type of policy to buy. Rock Hard Insurance Agency can provide you with marine insurance that will adequately cover your boat.

The Size of the Watercraft Matters

Insurers consider vessels measuring 27 feet long and under to be boats. Your homeowner’s insurance may cover damage to smaller boats, depending on the details of your policy. Nevertheless, your homeowner’s insurance may not provide adequate coverage, leaving you holding the bill for some types of damage. However, if the vessel is above 28 feet, insurers consider it a yacht, which puts you in the luxury insurance category.

Yacht Insurance Has Many Components

Unlike insurance policies for smaller vessels, luxury boat insurance has many different choices and components, often making it difficult for consumers to know what they need. Although you won’t find a one-size-fits-all policy, marine insurance covering yachts is generally more comprehensive than coverage for smaller boats. This type of boat insurance applies to luxury sailboats, small cruisers, and other vessels with blue-water cruising or ocean-going ability.

Among the terms that consumers will face are agreed cash value, actual cash value, new for old, and depreciation. Boat insurance buyers also must be aware of hidden clauses that address the vessel’s seaworthiness, which can easily allow an insurer to deny a claim.

Carefully review any boat insurance policy you consider. If you need clarification on anything in your policy, our staff at Rock Hard Insurance Agency, serving the greater Fontana, CA region, will help you understand them. Contact us today to discover your insurance options.

Is renters insurance required by law in California?

Renters insurance is not required by state or federal law in Fontana, CA, but you may still want to consider whether you should carry this kind of protection. At Rock Hard Insurance Agency, we understand that there may be multiple reasons you would benefit from carrying renters insurance.

Your Landlord May Require You To Carry Renters Insurance

Fontana, CA landlords carry insurance on their own property, but that insurance does not protect their tenants’ belongings. For instance, if there is a fire, the property insurance will cover the physical damage to the building.

If you don’t have renters insurance, you will need to replace your personal belongings on your own. If you lose your furniture, clothing, electronics, and everything else, you will be glad if you have renters insurance. 

If your landlord discovers that you do not have a current policy, they may be able to add a policy and add it to your rent. When your landlord chooses the policy, it may not be a policy you would choose on your own. If you want to compare policies to find the price and coverage you need, you will have to find your own coverage. 

Renters Insurance Offers Other Protection

Besides protecting your property, your renters insurance offers other kinds of protection. You will have some liability protection if someone is injured while visiting you. Renters insurance also has coverage so that you will have a place to stay if your place becomes uninhabitable due to a fire or other disaster.

Call Today To Discuss Your Options

If you rent in Fontana, CA, you can benefit from renters insurance. If you have any questions or would like to discuss a renters insurance policy, please feel free to call Rock Hard Insurance Agency today.

Toy Hauler Motorhome Insurance: Protecting Your Hobbies on Wheels

Owning a toy hauler motorhome in the Fontana, CA area combines the joy of recreational travel with the convenience of toys. While embarking on adventures, ensuring your investments, both the motorhome and the accompanying toys, are protected is crucial. 

Coverage for the Motorhome Itself

Coverage includes protection against common risks such as:

  • Collision Coverage: Covers damage to the motorhome resulting from collisions with other vehicles or objects.
  • Comprehensive Coverage: Protects against non-collision events, including theft, vandalism, and natural disasters.
  • Liability Coverage: Provides financial protection if the motorhome owner is found responsible for injuries or property damage to others.

Coverage for Toys and Recreational Vehicles

Critical considerations for these assets include:

  • Physical Damage Coverage: Protects the toys against damage or loss during transport or storage in the motorhome.
  • Theft Coverage: Safeguards against the theft of recreational vehicles stored in the toy hauler.
  • Liability Coverage for Toys: Extends liability protection to the operation of recreational vehicles stored in the toy hauler.

Customizable Coverage Options

Owners can tailor their policies to include additional protections such as:

  • Emergency Expense Coverage: Assists with lodging, transportation, and meals if the motorhome becomes uninhabitable during a covered loss.
  • Personal Belongings Coverage: Protects personal items inside the motorhome, including clothing, electronics, and other belongings.

Navigating Premium Factors

Various factors influence toy hauler motorhome insurance premiums, including:

  • Driving Record: A clean driving record often leads to lower insurance premiums.
  • Location: Where the motorhome is stored and primarily used can impact insurance costs.
  • Type and Value of Toys: The type and value of the recreational vehicles stored in the toy hauler contribute to premium calculations.

Rock Hard Insurance Agency Can Help You

At Rock Hard Insurance Agency, we can help answer questions concerning motorhome insurance. We serve the Fontana, CA area. Contact us today. 

Protecting Your RV: Questions to Ask When Choosing a Policy

Choosing the right insurance policy is crucial to protect your RV and ensure peace of mind while on the road. At Rock Hard Insurance Agency in Fontana, CA, we’ve compiled this list of essential questions to ask when selecting an RV insurance policy.

What Types of Coverage Are Available? 

Understand the different coverage options, such as liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection (PIP). Determine which ones are necessary for your needs.

Is Full-Time RV Insurance Available? 

If you live in your RV full-time, inquire if the policy covers this lifestyle, including personal liability and property coverage.

What About Emergency Roadside Assistance?

Find out if the policy includes emergency roadside assistance, which can be a lifesaver in case of breakdowns or other issues while on the road.

Are Personal Belongings Covered? 

Ask if the policy covers personal belongings inside the RV, such as clothing, electronics, and appliances.

What About Vacation Liability Coverage? 

Determine if your policy includes vacation liability coverage, which protects you if someone is injured at your campsite.

Are There Specialized Coverages for Customization? 

If you’ve customized your RV, inquire if the policy offers coverage for these modifications.

How Is Claims Processing Handled? 

Understand the claims process, including how quickly claims are processed and how disputes are resolved.

Is Full-Time Customer Support Available?

Ensure that customer support is accessible 24/7, especially if you’re often on the road.

Schedule A Consultation Today

Choosing the right RV insurance policy involves careful consideration of your needs and preferences. By asking these questions and comparing policies, you can protect your RV investment and enjoy your travels with peace of mind. To learn more about insuring your RV, visit us at Rock Hard Insurance Agency in Fontana, CA today.

The Benefits of Customizing Your Motorcycle Insurance Policy

Riding a motorcycle in Fontana, CA requires insurance coverage, but not all bikes and riders have the same needs when it comes to that coverage. At Rock Hard Insurance Agency, we want you to have the type of coverage that suits you specifically.

And that’s what customizing your motorcycle insurance policy is all about. You want a personalized policy tailored to your needs, and there’s a tremendous amount of benefit that comes along with that.

What Does Customization Mean for Motorcycle Insurance?

Insurance policies can vary a great deal. Outside bare minimum coverage, you’ll notice that some policies might offer more of one type of coverage but not enough of another. For example, you may need more liability coverage than what’s typically packaged into a policy because you live in a busier part of town. Or, you might want more comprehensive coverage.

In these cases, you will need to go beyond the minimum package without moving forward with a higher-tier package that offers you barely what you need and too much of what you don’t need.

To that end, we will work with you to make sure you have the legal coverage you need, but also the additional coverage you may find necessary for your activities, type of motorcycle, or peace of mind.

What Types of Coverage Options Exist for Customization?

Various coverage types exist, and the most common include:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist
  • Medical Payments

You may even have special or unique policy needs because you ride a special or unique type of motorcycle. Personalizing your motorcycle insurance policy ensures your valuable investment has adequate protection and that you have more freedom to enjoy your ride.

We Are Here To Help

Rock Hard Insurance Agency serves Fontana, CA and surrounding areas. If you want to learn more about personalizing or customizing your motorcycle insurance policy, contact us today to find out how.

Does Your Current Boat Policy Provide These Features?

Rock Hard Insurance Agency can help all boat owners in the greater Fontana, CA area. Don’t hesitate to give us a call with any insurance questions you might have. Whether you’re shopping for a new boat or want to upgrade your current policy, we can help.

Great Boat Insurance Features to Look Out For

One of the most used features of a comprehensive policy is the at-sea towing coverage. If you like to spend a lot of time out on the water, having coverage for common mishaps is a smart idea. Another area to review is your current liability coverage. Many boaters opt for basic insurance when they first buy their vessels. With more frequent use, many boat owners find that a basic policy is no longer sufficient for their needs. If you find yourself in this situation, it’s time to upgrade your policy sooner rather than later.

The more comprehensive your boat policy, the easier it is to enjoy being out on the water. You’ll have the peace of mind that comes with knowing you have the protection you need. When it’s time to buy a new policy or review your current one, be sure to ask about all the features that are available. Comprehensive boat policies can often protect your craft no matter where it is. If you transport your boat to the water or to a marina, you’ll want to protect your boat when it’s off the water. Be sure to ask about this feature when choosing your policy.

We’re here for you!

If you have questions about boat insurance, the Rock Hard Insurance Agency is here to help. Residents of Fontana, CA and the surrounding area can turn to us for answers. Call or stop by today to learn more.

Why should a car owner in California get auto insurance?

No matter where you live in the Fontana, CA area, owning a car will prove to be a good idea. If you are going to buy a car in this part of California, you will want to know that you have the right insurance for it. An auto insurance plan is a good investment for various reasons and there multiple good examples of why a car owner or lessee here should always have auto insurance. 

Protect Vehicle

A great reason to get an auto plan in this part of California is to protect your car. A vehicle is one of the largest and most expensive assets that someone will ever own. When you get an auto plan, it will provide support to replace or repair your car if you incur a loss in certain situations. This can help save a considerable amount of money in some challenging situations. 

Reduce Liability Risks

It can also be helpful to get auto insurance so you can reduce your liability risks. Drivers of a car will always take on the risk that they cause an accident. When this happens, it will be important that you carry insurance as it will provide coverage for damages that you are held responsible for. Liability insurance is also a requirement if you want to drive a vehicle on a public road in this state. 

Reach Out To Us

Ultimately, anyone that is going to drive and operate a vehicle in the Fontana, CA area will need to have insurance for it. When you are looking to get this coverage in this area, you should start your search by calling our professionals at the Rock Hard Insurance Agency. Our insurance team with the Rock Hard Insurance Agency can help you evaluate your options and build a policy that will meet your needs and obligations. 

Does Your Small Business Need Commercial Insurance?

As a small business owner in Fontana, CA, you might wonder whether commercial insurance is necessary for your operation. Regardless of the size or nature of your business, having the right insurance coverage is crucial to protect your investment and ensure its long-term success.

Protect Your Assets and Investments

Your business represents a significant investment of time, money, and effort. Commercial insurance helps safeguard your assets, such as your building, equipment, and inventory, against potential losses from theft, vandalism, or natural disasters. By working with Rock Hard Insurance Agency, you can ensure your business has the coverage to protect your valuable assets and minimize financial risks.

Shield Against Liability Claims

Accidents can happen, no matter how careful you are, and your business could be held responsible for injuries or damages. Commercial insurance provides liability coverage to protect your company from the financial burden of lawsuits, medical expenses, and other claims-related costs. This protection is essential for small businesses in California, as even a single liability claim could devastate your company’s financial stability.

Meet Legal and Contractual Requirements

Depending on your industry and the specific regulations in California, your business may be legally required to carry certain types of commercial insurance. Contracts with clients, vendors, or landlords often include insurance requirements. Ensuring that your business has coverage protects your company and helps you maintain compliance with these contractual obligations.

Foster Trust and Confidence

Adequate commercial insurance coverage can boost your company’s reputation among customers, suppliers, and partners. Consumers often perceive businesses committed to protecting their assets and addressing potential risks as more reliable and trustworthy.

Reach Out To Us

Commercial insurance is vital to any successful small business strategy in Fontana, CA. Contact Rock Hard Insurance Agency today to safeguard your company’s future.