What should my motorhome insurance include?

All motorhomes are not created equal.

Serving as both vehicles and homes, motorhomes are unique. To serve multiple purposes, motorhomes come in a variety of sizes, costs, and amenities.

Finding the right coverage requires equal specialization. Luckily, Rock Hard Insurance Agency can help. Serving Fontana, CA, our agents know the importance of crafting an individualized motorhome insurance policy.

We list six items that every motorhome should include:

Collision insurance

Your motorhome will spend a lot of time on the road. For this reason, even policies with minimal coverage will include collision. This applies no matter who is at fault.

Comprehensive coverage

All other damage falls under comprehensive. Most plans will feature a list of inclusions that are protected. Some examples are natural disasters, theft, and vandalism.


Liability is standard in nearly all insurance plans. It adds an extra layer of protection in the event you or someone else is hurt. If you are found at fault, bodily injury liability kicks in.

Personal property

Personal property protection is a component of liability. Yet, this covers belongings instead of people. There may be some overlap with homeowners policies, but this shields a motorhome if it’s damaged, destroyed, or stolen.

Uninsured motorist

Other drivers may not have sufficient coverage. If you are involved in an accident with someone who has inadequate insurance, this could compensate you for medical expenses, property destruction, and lost wages.

Optional add-ons

This is just the beginning. There are countless options to add to any motorhome insurance policy to make it personalized. This list includes roadside assistance, storage protection, and loss of use expenses.

Call Us Today

Serving Fontana, CA, Rock Hard Insurance Agency can find a motorhome insurance policy that keeps you headed for the open road. Schedule an appointment today.

Full-Timer’s RV Insurance: A Guide

When you don’t want to buy a home or live in a rental apartment in Fontana, CA, residing in an RV can be a great option. An RV becomes a home and is also a means of transport to help move from place to place with the convenience of a home. While being a full-timer in your RV is great, have you thought about your insurance needs? If not, Rock Hard Insurance Agency is here to give you a comprehensive guide to your insurance needs.

Understanding full-timers insurance

If you have sold your home to reside in your RV, you need to consider a full-timer’s RV insurance. Given your RV is now your new home, typical RV insurance may not suffice. As such, you need to consider full-timer’s RV insurance because it covers you in the following areas:

  • Personal liability coverage: Like the liability coverage in home insurance, this insurance policy protects you when residing in your RV. This insurance covers you when accused of property damage or bodily injury. Remember, if you have sold your home, your liability coverage is no longer applicable in your RV, and that’s why you need separate liability coverage.
  • Personal effects coverage: When you move into an RV, all your personal items may not fit in the vehicle. As such, you may store your items in a storage facility. Unfortunately, they aren’t covered when in such places. RV insurance protects your personal items when in the RV and storage facilities.
  • Medical payment coverage: This coverage covers your medical expenses for injuries suffered while using your RV as a residence.

Rving is increasingly becoming popular because many people want to explore the freedom of living and traveling in an RV. At Rock Hard Insurance Agency, we want to instill a sense of security and assurance by providing comprehensive RV insurance to protect you wherever your vehicle takes you.

Do you need motorcycle insurance in Fontana?

The Fontana, CA area continues to be well known for being a great community that has a lot of local amenities. When you are in this area of the state and want to enjoy it as much as possible, investing in a motorcycle can be a great option. Not only is this an efficient mode of transportation, but the nice weather and great scenery can make them fun to use in this area. When you are getting a motorcycle, you also need to get insurance for it. Motorcycle coverage is needed for several reasons. 

Protection Needed for Motorcycle

You should first get this type of insurance to protect your motorcycle. If you are going to purchase a motorcycle, knowing that you can use and enjoy it for a long time is helpful. With a collision and comprehensive plan, you will get support if your vehicle is stolen or involved in an accident.

Insurance is a Requirement

You will also need to get motorcycle insurance because it is a requirement. If you intend to use the motorcycle on a public road, you will need to meet California’s standards regarding insurance. This includes requiring you to have liability insurance, which will ensure you can cover damages that you may cause in an accident. A lender may require you to have more substantial coverage to protect their loan collateral. 

People that are in the Fontana, CA area will always want to know that they are properly insured with motorcycle insurance. As you are looking for any form of support in this area, it would be wise to call Rock Hard Insurance Agency. There are various decisions to make when looking for coverage and Rock Hard Insurance Agency can help you choose a motorcycle insurance plan that will allow you to stay in compliance with your specific insurance requirements. 

Do you have insurance for when your boat is in storage?

Rock Hard Insurance Agency is here for the boat owners in the greater Fontana, CA area. We want to help you protect your vessel, whether you have it out on the water or if it is in storage. Let us help you protect your vessel.

Comprehensive boat insurance for CA boat owners

If you own a boat, you may worry about the expense of maintenance and repairs. We want to help you put your mind at ease when it comes to protecting your watercraft. While a comprehensive boat insurance policy won’t protect you from every expense associated with boat ownership, it can help with a lot of them.

When your boat is in storage and not in use, you may need to have a more comprehensive policy in place to protect it during such time periods. This type of coverage can often protect you from fire, damage, theft, and vandalism. Many boat owners opt for a basic policy that provides the bare minimum of protection. This can be okay in certain situations, but not all.

If you would like to learn more about your boat insurance options, now is a great time to find out more about the different types of boat policies that are available in our area. There’s no reason to invest in a boat only to underinsure it! We want to help you to determine the appropriate amount of coverage for your unique situation. 

Let’s make sure that you have the right protection in place for your boat!

You can count on us!

Count on the Rock Hard Insurance Agency for all of your insurance needs. If you are in the greater Fontana, CA area, call or stop by our office today to find out more.

Top benefits of renter’s insurance

The main benefit of renter’s insurance is the peace of mind that it provides. Knowing that your possessions are protected can help to ease your mind. Here at the Rock Hard Insurance Agency, we want all of our clients in the Fontana, CA area to have the protection they need.

Top benefits of renter’s insurance

If you are renting an apartment, house, or condo, you will still need to carry your own insurance. Renter’s insurance is a great way to protect your belongings and ensure that you have the protection you need! Here are just some of the benefits of renter’s insurance:

  • Protection from loss or damage of your belongings due to theft, fire, or other covered events.
  • Coverage from theft or loss outside of your residence in certain situations.
  • Option for liability protection in the event that someone is injured in your home.
  • Rider policy options for high-value items such as artwork, jewelry, and technical devices.
  • Peace of mind that comes with knowing that you have the protection you need!

Renter’s insurance is a great way to help alleviate the stress of loss. When you have a robust, comprehensive renter’s insurance policy, you can be protected from financial obligations that can be overwhelming. If you are just building your own home, or are an established renter, it’s important to protect your belongings even if you don’t own your residence.

Call us today!

Rock Hard Insurance Agency is here to answer all of your questions about renter’s insurance. If you are renting in the Fontana, CA area, give us a call today to schedule your appointment and find out more.

Motor home Insurance Ins and Outs

Owning a motor home can be an incredible experience, and doing so provides a lot of freedom to go on adventures. However, make sure you get to keep this freedom by ensuring you have the most appropriate insurance coverage for your motor home. Motor home insurance is not automatically included in general auto insurance, and therefore, you should pay attention to what you and your motor home need. 

Rock Hard Insurance Agency in Fontana, CA offers motor home insurance so that you can keep going on your adventures without too much trouble. We offer insurance to people in the states of California, Arizona, and Texas. 

What to insure your motor home for

Your motor home will need to be covered for certain things. What further add-ons you want largely depends on you, but you should definitely consider the following insurance coverage:

  • Liability insurance, a type of insurance that covers visitors to your motor home. If they get hurt inside your motor home, whether that is your fault or not, it is great to be covered in case they encounter medical costs because of this or even if they sue you.
  • Valuable items and theft; whether your laptop in the back of the motor home is stolen or your entire motor home manages to get stolen, coverage against this will help you a lot with the financial burden of this. 

Rock Hard Insurance Agency in Fontana, CA helps to advise on motor home insurance and can get you different quotes to look at. We will walk you through your options so that you will pick the right insurance for you. You can reach our office or you can also easily request a quote on our website.

How Does RV Insurance Work?

Recreational vehicles provide a great escape from every day, and they can be a lot of fun to spend time in. If you have an RV, it needs RV insurance to keep it protected against a number of different risks that come with driving an RV. To find out more, give us a call at Rock Hard Insurance Agency in Fontana, CA.

Full-Time RV User

One of the ways that your rates for RV insurance are measured is by looking at how often you use the RV. You may use it rarely, you may get out and drive it occasionally or you may spend every weekend in it. You might even live in it full-time as many people do. If you live in it full time, there is full-timer insurance needed in your RV insurance policy. This reflects the RV having more risks because it is used more often. 

Your RV’s Class

Your RV policy will also depend on the type of RV you have. There are three classes of RVs that are based on the size of the RV and its specific design. Classes A, B and C each require their own type of coverage to go with the specific risks of vehicles in that class. When you are shopping for your RV policy, make sure you know what class your RV is in. Your insurance agent can help you if you aren’t sure. Class As are the largest RVs, Class Cs are the middle and Class Bs are the smallest of the RVs.

Get Your RV Covered by Insurance

If you own an RV, the right insurance is a must for protecting you financially. A good RV policy will protect you against countless situations and ensure that you can soon get back on the road. If you need RV insurance, give us a call now at Rock Hard Insurance Agency in Fontana, CA for more information. 

California Motorcycle Insurance: How to Prevent Theft of Your Bike

When you have a motorcycle in California, you want to be sure that it is protected from all ill will in the world. At Rock Hard Insurance Agency, we’ve seen too many Fontana, CA residents lose one of the most precious things in the world to them. 

Follow these tips to protect against theft of your motorcycle in California.

Theft Prevention Gear

There are a lot of ways that you can protect your bike from theft with motorcycle security and protection. Theft prevention gear for bikes today is extensive and ranges from locks and chains to state-of-the-art motorcycle security systems.

Use a cover for your bike and keep it secure at all times.

Security Cameras

Insurance companies really like security cameras, and so do the police. Keep your bike near security cameras and in a well-lit area when not in use. There are many affordable options that you can purchase that will get the job done.

Secure the Vehicle

If you can put your motorcycle away where nobody can see it, this is the best way to prevent vehicle theft. Curtains around your bike, or a garage would be helpful. Even securing it away from the road would be a good anti-theft storage method.

Get a Tracker

Trackers for motorcycles are becoming increasingly common. Invest in a GPS tracker for your bike so that you or the police will be able to locate it in the event it goes missing or gets stolen.

Get a Quote

Follow these security tips for your motorcycle when you are at home, and when you are on the road. Always be vigilant. At Rock Hard Insurance Agency, we can help Fontana, CA residents feel more secure with the right theft coverage for your California motorcycle insurance. Call us for a quote today.

Is Boat Insurance A Necessity?

Owning a boat in Fontana, CA is a dream come true for many residents. However, this ownership of a worthy investment comes with unique risks. Therefore, it’s vital to ensure that your prized possession is protected with prolific boat insurance from Rock Hard Insurance Agency serving Fontana, CA and its environs. If you don’t have splendid boat insurance, it’s the opportune moment to consider whether you are a seasoned boater or a new boat owner.

Is boat insurance mandatory in California?

Unlike car insurance, boat insurance isn’t legally required in California. Nevertheless, if you need to register your vessel with the state, you must have boat insurance. Additionally, if you financed the purchase of your watercraft, your lender might require you to carry boat insurance until you pay your outstanding loan. Therefore, acquiring boat insurance is an absolute necessity because it harbors the following benefits:

Covers property damage: Property damage by your boat can turn out to be exorbitant. Boat insurance can provide coverage for this type of damage, shielding you from having to finance these hefty bills cashwise.

Protect your boat: Your boat is an expensive asset that warrants outstanding security. Getting proper boat insurance will ensure that your prized asset gets protected from impending calamities both inside and out of the water. In addition, good boat coverage will cater to the repair or replacement of your boat if it is damaged or stolen.

Liability protection: Even seasoned boaters in Fontana, CA, have a bad day in the water. One single storm can propagate extensive damage to your boat culminating in massive loss. Getting magnificent boat insurance can accord you perfect liability protection. Luckily, to mitigate this probable risk, you should have boat insurance, as it will kick in and provide liability protection against lawsuits and medical expenses that can cripple you financially.

Protect yourself: If you inflict injuries to a passenger, swimmer or cause damage to another watercraft while utilizing yours, you will be responsible for their physical injury and medical bills. However, boat insurance will cover such costs, and you won’t be personally liable for them.

Are you ready to get started with boat insurance in Fontana, CA? Please call or visit us at Rock Hard Insurance Agency for an affordable and personalized boat insurance quote.

Does my auto insurance cover a rental car

It’s vacation time again, and it’s time to start making those vacation reservations. You’ve booked the flight, booked the hotel, and now it is time to book the rental car. The flight and hotel were pretty straight forward but as soon as you try to book the rental car, you are ht with a bunch of questions and forced to make choices about additional types of insurance coverage. At Rock Hard Insurance Agency in Fontana, CA, our team will work with you to make sure you understand the coverage you have and what additional coverage you may need. 

The answer to the question does my auto insurance cover a rental car is not as simple as it may seem. The correct answer is maybe. A lot depends on the exact nature of the auto insurance that you have on your personal vehicle. If you have a clunker and have only basic liability insurance on it then no, your auto insurance is not adequate to cover a brand new rental vehicle. 

In order to feel confident that your own insurance will cover a rental vehicle, you need to have full coverage, including collision, and comprehensive. Having more than basic liability coverage is always a good idea. If you aren’t sure you should call your independent insurance agent and ask them about your coverage. 

If you think your auto insurance might not be adequate, check with the credit card you plan to use for the auto rental. Many of them have additional services including coverage for rental cars as part of their customer perks. Some have rental car coverage that you can add to your card for a small yearly fee. 

At Rock Hard Insurance Agency in Fontana, CA, we are dedicated to making sure that our customers get the insurance that they need at a price they can afford.