Motor Home Insurance & Full-Time Residences

At the Rock Hard Insurance Agency in Fontana, CA, we work diligently to match clients with the right kind of insurance for them. When a client owns an RV, they might not realize that there are different kinds of RV insurance. While RV insurance might seem like a one-size-fits-all insurance policy, the specific type of policy you should choose depends on how much you live in your RV. Here we outline the kind of motor home insurance that covers full-time RV residences.

What Type of Motor Home Insurance Covers Full-Time Residence?

For those who live in their motor home on a full-time basis, the best choice for RV insurance is Full-Timer RV Insurance. This kind of policy has coverage that is tailored to the unique needs of those who spend the majority of their time during the year living and even traveling in an RV. 

When you hear the words “full-time RV living,” you probably think of folks who spend all year living out of their RV as a permanent residence. You may even have glamorous mental images of happy retirees traveling across the country on a never-ending adventure in their RV. While this would be fun, it’s not necessary for full-time RV residents to match these ideals to qualify for full-time RV insurance. While the specifics of policies vary, most RV insurance policies consider an RV resident a full-time resident if he or she lives in the RV all year round or sleeps in their RV for six months out of the year. The “full-time residency” requirement may be met if someone spends 150 nights out of the year in their RV under certain policies.

Give Us A Call

For more information on our RV insurance policies, call Rock Hard Insurance Agency in Fontana, CA today!

The Importance of Comprehensive RV Insurance Coverage

 Spending a couple of days a year in an RV is somewhat part of the American culture. If you own an RV, you likely spend a couple of weeks a year in it. It might even be your home or your second home. Since RVs are high-value assets, it’s vital that you protect yours with sufficient insurance. At Rock Hard Insurance Agency in Fontana, CA, we offer all kinds of RV insurance coverages. Comprehensive coverage is among the most critical insurance coverage you need for your RV.

Here’s why: 

Although collisions with other road users or stationary objects seem to be the most significant risk your motorhome faces, that’s not the case. Comprehensive RV coverage works similarly to comprehensive coverage on an auto policy. It’s meant to help you repair or replace your RV in case there is damage or loss as a result of anything other than a collision. This includes perils such as;

  • Vandalism
  • Theft of the RV or its parts
  • Fire
  • Contact with animals like deer
  • Hail, falling trees, or other debris
  • Natural disasters such as tornadoes or hurricanes

These perils can occur whether your RV is at home, on the road, or at a campsite. Comprehensive RV coverage covers all of these perils, no matter who is at fault. Unlike some coverages on an RV policy that are mandatory by law, a comprehensive RV policy is optional. However, some circumstances where comprehensive motorhome coverage could be required in California include:

  • If you rent an RV, the rental company might ask you to get an RV policy with comprehensive coverage. 
  • If you finance your RV, the lender might ask you to add comprehensive coverage to your RV policy.

Do you need an RV policy in Fontana, CA?

Welcome to Rock Hard Insurance Agency or the best RV insurance policy offers. Contact us today, and we will educate you on how you can safeguard your beloved motorhome.  

Four steps you should always go through when you buy auto insurance

It’s important to consider your auto insurance options carefully and choose a policy that is appropriate for your needs. At Rock Insurance Services, we can help motorists in Medford, NJ to find the right auto insurance coverage policy. 

The following are four steps you should always go through when you buy auto insurance in the Tri-State:

Understand the different types of coverage

There are a few different types of auto insurance coverage that consumers commonly carry. Knowing these different types of coverage can help you to design a policy with all the coverage types you need and want.

Liability coverage, collision coverage, comprehensive coverage, and uninsured and underinsured motorist coverage are just a few types of coverage that you might want to consider purchasing. 

Find insurance providers in your area

In addition to researching insurance coverage types, you should also research the different insurance providers that offer auto insurance coverage in your area.

You can explore the different providers and their coverage offerings over the Internet to compile a lot of information quickly on auto insurance providers. 

Submit your information and get quotes

When you get quotes on insurance policies, you’ll need to provide insurance providers with numerous pieces of information. Insurance providers need to know details about your driving record as well as information about the particular vehicle you’re insuring.

Submit all this information to insurance providers so that you can get a few different policy quotes. 

Choose a policy

Insurance providers should quickly be able to offer you quotes once they get the information they need. You can evaluate quote information to choose an insurance policy that offers you the coverage you want while still being within your budget. 

Let us help you get started finding auto insurance coverage in the Tri-State. Contact us at Rock Insurance Services to get a quote on an auto insurance policy in Medford, NJ. 

Motorcycle Insurance Requirements in California

The agents at the Rock Hard Insurance Agency serving the Fontana, CA area are touting the importance of motorcycle insurance. In the state of California, it is required that all drivers, including motorcyclists, have at least a minimum amount of liability insurance in place. Motorcycle liability insurance will assist in paying for property damage and bodily injuries that may be caused in an accident.

Motorcycle Insurance Requirements

While uninsured and underinsured motorist coverage, as well as personal injury protection, is not required under the laws in California, it is not a bad idea to have these types of insurance coverage options in place. This will help you out if your motorcycle is damaged or you are injured in an accident with a driver who does not have any insurance or does not have an adequate amount of insurance.

Comprehensive Insurance

This type of motorcycle insurance will help protect the investment you made in your motorcycle. This is due to the fact that if your motorcycle is damaged or destroyed by a fire, natural disaster, or an act of vandalism, this type of insurance can help you repair or replace your bike. Comprehensive insurance will also assist you with replacing your motorcycle if it is stolen.

Collision Insurance

Collision insurance is important to have if you collide with another vehicle or a stationary object. Both collision and comprehensive motorcycle insurance may be required by your lender if you still owe money on your motorcycle. In other words, these two types of coverage options will help you to protect your investment in your bike as well as the investment your lender has made in your motorcycle.

Reach Out To Us

To create the best motorcycle insurance policy for you and your situation, contact the motorcycle insurance specialists at the Rock Hard Insurance Agency in Fontana, CA today!

Do I need to have boat insurance in California?

Fontana, CA has continued to be a great place to live. Those in this part of the state will enjoy having warm weather for most of the year. When you are here and want to enjoy the city as much as possible, investing in a boat can be a great idea. If you invest in a boat, getting insurance should be a top priority.

You will need this coverage for various reasons. 

Cover Your Assets

A reason that all people will cant this coverage for their boat is so they can protect and cover their assets. A boat can take a lot of money and investment to own and maintain. Along with this investment, you will want to enjoy it for a long time and protect the value as much as possible. Boat insurance offers coverage in various situations where you could incur a loss, such as theft or accident damage. 


Boat insurance may also be a requirement for you. When you are looking to use a boat, certain marinas may require you to carry this insurance. Further, if you have taken out financing to buy the boat, you could be obligated to carry insurance for it until you have paid off the balance. 

Give Us A Call

As you are looking to purchase a boat in the Fontana, CA area, it would be wise for you to call someone that understands the value of boat insurance. When you are looking for a new plan here, it would be smart to call Rock Hard Insurance Agency. There are a lot of important choices to make when looking for boat coverage, and Rock Hard Insurance Agency can make the process much easier. This helps to ensure you get into an ideal policy that will meet your needs. 

Can Renters Insurance Be Used For Short-Term Vacation Rentals?

More and more people are working from home or outside of a traditional office. This allows them to travel and work from wherever they are. As such, short-term vacation rentals have increased in popularity, as more people have become digital nomads. If you are traveling all over, one of the questions that you may have is whether renters insurance can be used for short-term vacation rentals.

Here at Rock Hard Insurance Agency, serving the greater Fontana, CA area, we offer renters insurance and can assist you with all your queries. 

Does Renters Insurance Cover Short-Term Vacation Rentals? 

Renters’ insurance products are not designed for short-term vacation rental stays. While every insurance company is different, as a general rule of thumb, most renters’ insurance products are designed to cover renters who plan on staying in a property long-term, or for at least 90 to 180 days. 

Is There Insurance For Short-Term Vacation Rentals? 

Due to the popularity of short-term vacation rentals, many insurance companies are starting to offer products that are designed specifically for short-term vacation rentals. However, not every company offers this insurance product at this time. But, as demand for this type of insurance increases, more and more companies will likely carry this type of insurance product. 

Contact Us Today

If you are enjoying the freedom of being able to work remotely, you may be traveling the country and working as you settle into different cities and towns. If you are living this type of life, you need the right insurance to help cover your interests and protect your property. Here at Rock Hard Insurance Agency, serving the greater Fontana, CA area, we can help you get the insurance you need. Reach out to us today to learn more. 

Three reasons why you need RV insurance

RV owners in Fontana, CA can meet their RV insurance needs with a policy from Rock Hard Insurance Agency. RV insurance is a necessity for numerous reasons.

The following are three reasons why you need to find the right insurance coverage for your RV:

RV insurance is required by law if you drive your RV on public roadways

The biggest reason why you need RV insurance is that it’s required by law. In every state, RV drivers need to show financial responsibility for taking their vehicle on public roads by having insurance coverage. 

When you select an RV insurance policy, your insurance provider will make sure that the liability insurance coverage you’re purchasing meets the minimum requirements in your state. 

RV insurance protects you financially

Without RV insurance coverage, you could face high expenses if you get into an accident in your RV. Not only could you face liability expenses, but also medical bills in the event of an injury.

RV insurance protects the value of your RV. RV insurance can also protect the funds you have in your savings. 

RV insurance is required if you took out a loan to purchase your RV

In addition to being required by your state DMV, RV insurance is also required by the lender you borrowed funds from to purchase your RV. 

You will need to take out collision coverage for your RV for as long as it takes you to pay off your loan. Once your loan is paid off, it’s still a good idea to invest in a collision and comprehensive coverage to protect your RV’s value. 

Give Us A Call

You can get in touch with us at Rock Hard Insurance Agency for RV insurance. We’ll come to your assistance and help you find the right RV insurance policy in Fontana, CA!

3 Motorcycle Safety Tips You Need to Know Before Hitting the Road

At Rock Hard Insurance Agency in Fontana, CA, we know motorcycle accidents can often be severe, so it’s essential to be as prepared as possible. Wearing the proper gear, keeping your motorcycle in good repair, and being aware of your surroundings are all keys to staying safe on the road.

Before you enjoy a motorcycle ride, brush up on these safety tips:

Wearing the proper gear is essential to motorcycle safety.

Wearing the proper gear can help protect you from severe injuries during a crash. A good motorcycle helmet, for example, can help to protect your head and brain from the force of an impact, while thick, durable clothing can help to shield your skin from being scraped or burned in a spill. Wearing the right gear can make the difference between walking away from a motorcycle accident and being rushed to the hospital.

You need to be aware of your surroundings at all times.

Because motorcycles are more vulnerable to the elements and other vehicles on the road, you must always be aware of your surroundings. It would help if you kept your eyes and ears open. The best way to do this is to keep your head up and look around. Your mirrors are vital tools, so use them often. Check for vehicles in your blind spots, and always be aware of what is behind you.

Make sure your motorcycle is in good working order.

As a motorcycle rider, you must ensure your motorcycle is in good working order. Not only is it essential for your safety, but it is also crucial for the safety of other riders on the road. A motorcycle not maintained correctly can be a danger to yourself and others.

Get Motorcycle Insurance Today

Looking for motorcycle insurance? Look no further than Rock Hard Insurance Agency in Fontana, CA! You can rest assured that you’re getting the coverage for your motorcycle that you need. Contact us today to get started!

Are you responsible if someone is injured on your boat?

The team at Rock Hard Insurance Agency understands the joys that come with owning a boat, and we also want our clients to protect themselves from the liability that can also come with boat ownership. If you live in Fontana, CA or the surrounding area, you can rely on us for all of your boat insurance needs!

Every situation is different, but having enough liability protection is always a great idea!

If someone is injured on your boat, it is possible that you could be held responsible for their injuries. This can mean that you have to take financial responsibility for any medical expenses or damages that are the result of an incident on your boat.

Fortunately, with the right comprehensive boat insurance policy, you can protect yourself from personal liability. Many boat owners opt for basic insurance policies that do not include sufficient protection from financial liability. This can create many problems down the line if there is a mishap with their boat.

Sufficient liability protection is easy to get with the right policy. If you want to upgrade your policy, or if you are unsure if you have adequate protection from your current policy, it’s time to review your options. Don’t wait until an accident happens to find out that your boat insurance policy doesn’t provide the coverage you need. Now is the time to review your current policy and make any changes that are necessary for your protection. 

Find out more today!

Boat owners in the greater Fontana, CA area count on the team at Rock Hard Insurance Agency for their insurance needs. If it’s time for you to upgrade your boat insurance to a more comprehensive policy, give us a call or stop by our office today.

What Auto Insurance Options are Available in California?

In the state of California, all drivers who operate a vehicle on any public streets, roads, or highways, must have a minimum amount of auto liability insurance. This type of insurance will help pay the medical bills and any damage to the vehicle of a person you become involved in an accident.

The auto insurance agents at the Rock Hard Insurance Agency in Fontana, CA are explaining the types of auto insurance coverage options that you have to choose from in California.

Types of Auto Insurance

Underinsured/Uninsured Motorist Coverage

Unlike liability insurance, underinsured and uninsured motorist coverage is not required in the state of California under the law but it is a great idea to have this type of coverage. It will cover any damage to your car, truck, or SUV if you are involved in an accident with a driver who has little or no insurance for his or her auto. This type of insurance will help pay any costs that the other person’s insurance could not cover.

Comprehensive Insurance

Comprehensive insurance will help pay for damages to your vehicle if it is negatively affected by a fire, an act of vandalism, a natural disaster, or even if someone steals your vehicle.

Collision Insurance

Along with comprehensive insurance, collision insurance will be a requirement by a lender or bank if you still owe money for your vehicle. Collision insurance will help cover any damage to your vehicle or another person’s vehicle if you collide with their vehicle or even an inanimate object.

Call For a Quote Today!

To design an auto insurance policy that gives you the coverage options that you need for you and your situation, you can call upon the auto insurance agents at Rock Hard Insurance Agency in Fontana, CA to assist you. Call today for an appointment to get your policy started or a price quote.